Get started

Localpayment is a leading Payment Service Provider (PSP) that enables businesses to accept payments, send payouts, and manage cross-border transactions in multiple currencies. With a presence in 17+ countries across America, Localpayment simplifies payment processing for businesses operating in emerging markets.

Our Values

Our culture is built on principles that guide how we work, innovate, and support our partners. These values reflect who we are and how we approach every challenge in the payments ecosystem.

Knowledge

We constantly expand our understanding of the payments landscape, using insight and expertise to build smarter, more reliable solutions.

Persistency

We approach challenges with resilience and determination, staying focused until we reach successful outcomes.

Result Orientation

We prioritize clear goals, measurable outcomes, and efficient execution to drive meaningful impact for our clients.

Experience

Our regional and global experience allows us to navigate complexity with confidence, offering dependable guidance to our partners.

Commitment

We stand by our promises, taking ownership and responsibility for delivering excellence in every process and interaction.

Dream Big

We embrace bold ideas and ambitious thinking, pushing boundaries to shape the future of payments in emerging markets.

Who We Serve

Localpayment helps businesses across various industries streamline their payment operations:

Banks & Neobanks

Multi-currency accounts and cross-border payments for modern banking solutions.

Payment Processors

Expand payment methods and geographic reach with our comprehensive infrastructure.

Digital Wallets

Enable multi-currency transactions and holdings for seamless digital payments.

Fintech Solutions

Power innovative financial products with robust payment infrastructure.

What We Offer

Global Reach

Process payments in over 17 countries, connecting you with a vast customer base across Latin America.

Payment Flexibility

Offer customers their preferred local payment methods, from cards to mobile payments.

Multi-Currency

Process transactions in local and foreign currencies with dynamic FX conversion.

Unified Platform

Manage payins, payouts, and treasury operations from one comprehensive dashboard.

Security First

Certified and compliant with international security standards and local regulations.

Smart Analytics

Gain valuable insights with detailed transaction data and comprehensive reporting.

Core Services

Virtual Accounts

Assign virtual bank accounts to users for easy reconciliation and streamlined payments.

Card

Accept credit and debit card payments from all major networks with secure processing.

APMs

Accept payments through popular mobile wallets and QR payments.

Subscriptions

Manage all recurring payments with ease. Our subscription services streamline billing cycles and provide automatic renewal features for a smooth customer experience.

API Ecosystem & Environments

To begin your integration, you'll work with the Localpayment Sandbox, a mirrored environment where you can safely test payment flows without real financial impact.

Environment	Base URL	Use Case
Sandbox (Stage)	`https://api.stage.localpayment.com`	Internal testing, integration development, and QA.
Production	`https://api.v3.localpayment.com`	Go-live, real-money transactions, and monitoring.

🔐
Authentication Context:
All API endpoints require an Authorization: Bearer <your_access_token> header. You can obtain this token by sending your credentials to the Authentication Reference.

Developer Journey: 5 Steps to Your First Transaction

This roadmap highlights the essential milestones to get your payment system up and running securely.

1. Account Setup & Credentials

Complete your registration in the Onboarding Process to access the Dashboard and retrieve your Sandbox API keys.

2. Secure Authentication

Exchange your credentials for a temporary access token. Consult the Authentication Guide for the full OAuth2 flow.

3. Execute First Payment

Follow the Make your first test payment guide to run a successful card or APM transaction in the sandbox.

4. Webhook Integration

Configure your endpoints in the Dashboard to receive real-time notifications for payment statuses. See our Webhooks Guide.

5. Performance & Go-Live

Review your logs, handle regional Error Codes, and prepare your production environment for cross-border scaling.

Quick API Examples

Get your first request running in under 5 minutes. All examples use the Sandbox environment. Replace <your_access_token> with the Bearer token obtained from the Authentication endpoint.

Create a virtual bank account for a beneficiary to receive payments (Argentina):

curl --request POST \
     --url https://api.stage.localpayment.com/api/virtual-account \
     --header 'Authorization: Bearer <your_access_token>' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '{
  "country": "ARG",
  "beneficiary": {
    "type": "COMPANY",
    "document": {
      "id": "30-71234567-9",
      "type": "CUIT"
    },
    "name": "ACME INTERNATIONAL LTD",
    "lastName": "",
    "address": {
      "street": "Av. Corrientes",
      "number": "1234",
      "city": "Buenos Aires",
      "state": "CABA",
      "country": "Argentina"
    },
    "website": "https://yongxin.technology.com"
  },
  "externalId": "de14bcf2-15ee-22e3-ab59-99c3fcba31e8",
  "accountNumber": "{{accountNumber}}"
}'

Charge a credit card directly (Mexico):

curl --request POST \
     --url https://api.stage.localpayment.com/api/payin/ \
     --header 'Accept: application/json' \
     --header 'Authorization: Bearer <your_access_token>' \
     --header 'Content-Type: application/json' \
     --data '{
    "paymentMethod": {
        "type": "CreditCard",
        "code": "1600",
        "flow": "DIRECT"
    },
    "externalId": "dffbd2a6-6e65-469b-8bbe-dac269882220",
    "country": "MEX",
    "currency": "MXN",
    "amount": 1000,
    "accountNumber": "{{accountNumber}}",
    "conceptCode": "0001",
    "merchant": {
        "type": "COMPANY",
        "name": "Company",
        "document": {
            "type": "RFC",
            "id": "XXX840510XX1"
        },
        "email": "[email protected]"
    },
    "payer": {
        "type": "INDIVIDUAL",
        "name": "John",
        "lastname": "Doe",
        "document": {
            "type": "RFC",
            "id": "YYY180222YY6"
        },
        "email": "[email protected]"
    },
    "card": {
        "number": "4000000000000002",
        "cvv": "123",
        "expirationMonth": "12",
        "expirationYear": "2029"
    }
}'

Charge a previously tokenized card (Mexico). To obtain a token first, use the Tokenize Card endpoint:

curl --request POST \
     --url https://api.stage.localpayment.com/api/payin/ \
     --header 'Accept: application/json' \
     --header 'Authorization: Bearer <your_access_token>' \
     --header 'Content-Type: application/json' \
     --data '{
    "paymentMethod": {
        "type": "CreditCard",
        "code": "1600",
        "flow": "DIRECT"
    },
    "externalId": "a3f92b14-7d3e-4c81-9f20-3b9e71c05d12",
    "country": "MEX",
    "currency": "MXN",
    "amount": 1000,
    "accountNumber": "{{accountNumber}}",
    "conceptCode": "0001",
    "merchant": {
        "type": "COMPANY",
        "name": "Company",
        "document": {
            "type": "RFC",
            "id": "XXX840510XX1"
        },
        "email": "[email protected]"
    },
    "payer": {
        "type": "INDIVIDUAL",
        "name": "John",
        "lastname": "Doe",
        "document": {
            "type": "RFC",
            "id": "YYY180222YY6"
        },
        "email": "[email protected]"
    },
    "card": {
        "token": "xsWMaLcYjS3L11aBwxl465%2F2d8J85FXPAaBFIKfr0Fx%3D"
    }
}'

Create a recurring payment subscription (Colombia):

curl --request POST \
     --url https://api.stage.localpayment.com/api/payin/subscriptions \
     --header 'Authorization: Bearer <your_access_token>' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '{
    "paymentMethod": {
        "type": "CreditCard",
        "code": "1900",
        "flow": "DIRECT"
    },
    "externalId": "1fe38b94-7e11-44c1-9a88-b4aa9fbe5b4a",
    "country": "COL",
    "amount": 10000.00,
    "currency": "COP",
    "accountNumber": "{{accountNumber}}",
    "conceptCode": "0001",
    "comment": "Test subscription",
    "merchant": {
        "type": "COMPANY",
        "name": "My Company SA DE CV",
        "document": {
            "type": "CC",
            "id": "717321230"
        }
    },
    "payer": {
        "type": "INDIVIDUAL",
        "name": "John",
        "lastname": "Doe",
        "document": {
            "id": "1073695321",
            "type": "CC"
        },
        "email": "[email protected]"
    },
    "card": {
        "name": "John Doe",
        "number": "4242424242424242",
        "cvv": "123",
        "expirationMonth": "11",
        "expirationYear": "2029",
        "installments": 1
    },
    "type": "SOFTWARE",
    "autoRecurring": {
        "repetitions": 1,
        "type": "day"
    }
}'

Generate a CoDi QR payment request (Mexico):

curl --request POST \
     --url https://api.stage.localpayment.com/api/payin/ \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'Authorization: Bearer <your_access_token>' \
     --data '{
    "paymentMethod": {
        "type": "BankTransfer",
        "code": "1700",
        "flow": "DIRECT"
    },
    "currency": "MXN",
    "merchant": {
        "type": "COMPANY",
        "document": {
            "id": "EXTF900101NI1",
            "type": "RFC"
        },
        "name": "Test Company"
    },
    "payer": {
        "type": "INDIVIDUAL",
        "document": {
            "id": "ABCD8104019Z3",
            "type": "RFC"
        },
        "name": "John",
        "lastname": "Doe"
    },
    "externalId": "505244a3-4743-4301-bd8c-924cf0401fac",
    "country": "MEX",
    "amount": 100,
    "accountNumber": "{{accountNumber}}",
    "conceptCode": "0001",
    "comment": "Payin CoDi MEX"
}'

Generate a Pix payment request (Brazil):

curl --request POST \
     --url https://api.stage.localpayment.com/api/payin/ \
     --header 'accept: application/json' \
     --header 'Authorization: Bearer <your_access_token>' \
     --header 'content-type: application/json' \
     --data '{
  "paymentMethod": {
    "type": "BankTransfer",
    "code": "1314",
    "flow": "DIRECT"
  },
  "currency": "USD",
  "merchant": {
    "type": "COMPANY",
    "document": {
      "type": "CNPJ",
      "id": "75.518.609/0001-56"
    },
    "name": "Company",
    "email": "[email protected]"
  },
  "payer": {
    "type": "INDIVIDUAL",
    "document": {
      "id": "75.518.609/0001-56",
      "type": "CNPJ"
    },
    "bank": {
      "account": {
        "type": "C"
      }
    },
    "name": "John",
    "lastname": "Doe"
  },
  "externalId": "3d3b3e1d-c234-4fde-8e87-cd61b7dde3cf",
  "country": "BRA",
  "amount": 1000,
  "accountNumber": "{{accountNumber}}",
  "conceptCode": "0003",
  "comment": "Any relevant information related to the transaction"
}'

Send a bank transfer payout (Argentina):

curl --request POST \
     --url https://api.stage.localpayment.com/api/payout/ \
     --header 'Authorization: Bearer <your_access_token>' \
     --header 'Accept: application/json' \
     --header 'Content-Type: application/json' \
     --data '[
 {
  "externalId": "212407f5-0c86-4687-91e4-df3ab8a513ab",
  "country": "ARG",
  "currency": "ARS",
  "amount": 500.18,
  "paymentMethod": {
    "type": "BankTransfer",
    "code": "0010",
    "flow": "DIRECT"
  },
  "beneficiary": {
    "name": "John",
    "lastName": "Doe",
    "type": "INDIVIDUAL",
    "document": {
      "type": "CUIT",
      "id": "20907920276"
    },
    "email": "[email protected]",
    "phone": {
      "countryCode": "54",
      "areaCode": "11",
      "number": "12345678"
    },
    "address": {
      "street": "Avenida Principal",
      "number": "234",
      "city": "La Plata",
      "state": "Buenos Aires",
      "country": "Argentina",
      "zipCode": "C1420"
    },
    "bank": {
      "name": "BANCO DE GALICIA Y BUENOS AIRES S.A.U.",
      "code": "007",
      "account": {
        "number": "0070145330004020870169",
        "type": "S"
      }
    }
  },
  "sender": {
    "type": "INDIVIDUAL",
    "name": "David",
    "lastName": "Doe",
    "document": {
      "type": "CUIT",
      "id": "20907920276"
    },
    "email": "[email protected]",
    "address": {
      "street": "Avenida Principal",
      "number": "234",
      "city": "La Plata",
      "state": "Buenos Aires",
      "country": "Argentina",
      "zipCode": "C1420"
    }
  },
  "merchant": {
    "type": "COMPANY",
    "name": "Company Name",
    "document": {
      "type": "CUIT",
      "id": "20907920276"
    }
  },
  "accountNumber": "{{accountNumber}}",
  "conceptCode": "0039",
  "comment": "ARG TEST"
}
]'

Convert currency using a real-time quote (ARS → USD):

# Step 1: Get a quote
curl --request GET \
     --url 'https://api.stage.localpayment.com/api/fx/currency-exchange/payin?sourceCurrency=ARS&quoteCurrency=USD&accountNumber={{accountNumber}}&quoteAccountNumber={{accountNumber}}' \
     --header 'Authorization: Bearer <your_access_token>' \
     --header 'accept: application/json'

# Step 2: Execute the conversion using the exchangeRateToken from Step 1
curl --request POST \
     --url https://api.stage.localpayment.com/api/currency-exchange \
     --header 'Authorization: Bearer <your_access_token>' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '{
       "country": "ARG",
       "currency": "ARS",
       "externalId": "7a9c72a0-7a8e-4f72-b2b3-a04054d3129f",
       "exchangeRateToken": "<exchangeRateToken_from_step_1>",
       "account": {
         "debited": {
           "currency": "ARS",
           "accountNumber": "{{accountNumber}}",
           "amount": 10000
         },
         "credited": {
           "currency": "USD",
           "accountNumber": "{{accountNumber}}"
         }
       }
     }'

Global Coverage

🗒️
Use the country matrix below to quickly see currency and method availability. Click on country links for detailed information including limits, supported banks/wallets, and SLAs.

Payins Coverage

Country	ISO	Currency	Virtual Accounts	Card	APMs	Subscriptions
Argentina	ARG	ARS	✔	✔	QR, Debin	—
Bolivia	BOL	BOB	—	—	QR	—
Brazil	BRA	BRL	✔	—	Pix	—
Chile	CHL	CLP	✔	—	ETPAY	—
Colombia	COL	COP	✔	✔	Bre-B, PSE	✔
Costa Rica	CRI	CRC	✔	—	—	—
Guatemala	GTM	GTQ	—	—	QR, Wallet Fri	—
Honduras	HND	HNL	—	—	—	—
Mexico	MEX	MXN	✔	✔	CoDi	✔
Panama	PAN	USD	—	—	—	—
Peru	PER	PEN	✔	—	QR	—

Payouts Coverage

Country	ISO	Currency	Bank Transfer	Wallets
Argentina	ARG	ARS	✔	✔
Bolivia	BOL	BOB	✔	✔
Brazil	BRA	BRL	✔	✔
Chile	CHL	CLP	✔	✔
Colombia	COL	COP	✔	✔
Costa Rica	CRI	CRC	✔	—
Dominican Republic	DOM	DOP	✔	—
El Salvador	SLV	USD	✔	✔
Guatemala	GTM	GTQ	✔	—
Honduras	HND	HNL	✔	—
Mexico	MEX	MXN	✔	✔
Panama	PAN	USD	✔	—
Paraguay	PRY	PYG	✔	—
Peru	PER	PEN	✔	✔

Localpayment Dashboard

✅
All-in-One Management:
Monitor, control, and optimize your payment operations from our intuitive dashboard.

Payment Management

Create and manage payins, generate payment requests, and track incoming funds in real-time.

Payouts & Transfers

Send funds to suppliers and partners with streamlined processes and competitive rates.

Settlement & Exchange

Manage your funds seamlessly; move money between your accounts and exchange currencies with ease.

Analytics & Reports

Access comprehensive transaction history, detailed reports, and business analytics.

Management

Manage user access, set permissions, and safelist approved networks and cards to protect your information.

Reference Lists

Access essential lists to efficiently configure and control your payment workflows.

Developer Tools & Resources

Integration Tools

API Reference: Complete technical documentation for developers.

Postman Collection: Ready-to-use collection to accelerate your integration.

Webhooks: Real-time transaction updates for payments, failures, and payout statuses.

Support Resources

Error Handling: Comprehensive guide to error codes and resolution steps.

Onboarding Process: Step-by-step account setup guide.

Support Team: Get help from our expert support team.

Compliance & Security

Compliance

Stay compliant with industry standards and regulations, ensuring your operations meet all necessary legal requirements.

Licenses

Learn about the licenses and certifications that validate our trustworthy and secure financial services worldwide.

Data Protection

Ensure your data is secure with our comprehensive data protection measures, including encryption and access controls.

🚀
Ready to code?
Go straight to the Make your first test payment guide to initiate your first API transaction and start exploring our regional capabilities.