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Payins Overview

Accept global payments seamlessly with a Payins solution. Drive higher conversion rates by processing one-time purchases & recurring subscriptions while complying with local regulations and preferred payment methods.

Accepting payments from customers across diverse markets requires understanding local preferences, regulations, and payment behaviors. Whether you're processing one-time purchases, setting up recurring subscriptions, or managing complex payment flows, having the right infrastructure in place is essential for success.

This is where Payins solutions come into play. A payin is the act of accepting funds from customers through various payment methods, providing merchants with faster transaction processing, unified payment management across multiple countries, and access to local payment preferences that drive higher conversion rates.

Key Benefits

  • Fast Processing: Real-time authorization for Cards with instant feedback, asynchronous processing for APMs, Virtual Accounts, and Cash with webhook notifications.
  • Comprehensive Coverage: Accept payments in 8+ Latin American countries with local payment method preferences.
  • Unified Platform: Single API integration for multiple payment methods and countries, reducing development complexity.
  • Local Optimization: Support for regional payment preferences including CoDi, PIX, PSE, and cash networks.
  • Advanced Features: 3D Secure authentication, tokenization, installments, and subscription management.
  • Complete Lifecycle Management: From payment initiation to settlement, refunds, and chargeback handling.
  • Regulatory Compliance: Full adherence to local financial regulations and security standards across all supported markets.

Supported Payment Methods

Cards

Complete card payment processing with One-Time Payments, Tokenization, 3D Secure and Installments. Includes full support for Refunds and Chargeback management.

Virtual Accounts

Dedicated deposit details for individual or batch processing with automated reconciliation. Complete alias lifecycle management: create, resend, confirm, and cancel virtual accounts.

Direct Debit

Bank-initiated payment pulls where available. Includes mandate and consent flow management with full compliance to local regulations and timing requirements.

APMs

Local account-to-account rails including CoDi, PIX, PSE, QR variants and ETPAY. Asynchronous processing with real-time webhook notifications for status updates.

Cash

Cash-in networks with voucher and receipt-based systems. Generate payment codes for customers to pay at physical locations with complete tracking and confirmation.

Subscriptions

Recurring billing backed by eligible payment rails, commonly card tokenization. Complete subscription lifecycle management: create, update, cancel, and status monitoring.

Global Coverage

Our payment solutions are available across key Latin American markets, with each country offering specific payment method combinations optimized for local preferences:

CountryISOCurrencyVirtual AccountsCardDirect DebitAPMsCashSubscriptions
ArgentinaARGARS✔✔DEBINQR——
BoliviaBOLBOB———QR——
BrazilBRABRL✔——PIX——
ChileCHLCLP———ETPAY——
ColombiaCOLCOP—✔—PSE✔✔
GuatemalaGTMGTQ——Wallet FriQR✔—
HondurasHNDHNL————✔—
MexicoMEXMXN✔✔—CODI✔✔
PanamaPANUSD————✔—
PeruPERPEN✔———✔—

How Payins Work

Step 1: Payment Initiation

Customer Payment Selection

The customer begins the payment process by selecting their preferred payment method from the available options on your platform:

  • Cards: Credit or debit card with secure form input.
  • Cash: Generation of payment voucher or code.
  • Bank Transfer: Selection of bank and account details.
  • APMs: Local payment methods like PIX, CoDi, or PSE.

Required Information Collection

Your application captures essential payment details including:

  • Payment amount and currency.
  • Customer identification and contact information.
  • Payment method-specific details (card number, bank selection, etc.).
  • Transaction metadata and references.

Request Preparation

The system prepares the payment request with all necessary parameters, validation rules, and compliance requirements specific to the selected payment method and country.

Step 2: API Processing

Payment Request Submission

Your application sends a comprehensive payment request to the Localpayment API containing:

  • Transaction Details: Amount, currency, payment method type.
  • Customer Information: Required identification and contact data.
  • Regional Parameters: Country-specific settings and compliance data.

Request Validation & Routing

The Localpayment API performs several critical operations:

  • Validates all request parameters and formats.
  • Applies business rules and compliance checks.
  • Routes the request to the appropriate payment processor.
  • Determines synchronous vs. asynchronous processing flow.

Processing Method Selection

Based on the payment method and country, the system automatically:

  • Routes card payments to real-time authorization networks.
  • Prepares APM redirections or QR code generations.
  • Creates virtual account for bank transfers
  • Generates cash payment codes and instructions
Step 3: Payment Authorization

Synchronous Processing (Immediate Response)

For real-time payment methods like Cards:

  • Instant Authorization: Card networks respond within seconds.
  • 3D Secure: Additional authentication challenges when required.
  • Immediate Feedback: Approved, declined, or pending status returned.
  • Transaction References: Secure references generated for approved payments.

Asynchronous Processing (Multi-Step Flow)

For payment methods requiring customer action:

  • APMs & Bank Transfers:
    • Customer redirection to banking interface.
    • QR code scanning or payment code entry.
    • Bank-side authentication and confirmation.
  • Cash Payments:
    • Payment voucher or code generation.
    • Instructions for physical payment locations.
    • Pending status until cash collection confirmed.
  • Virtual Accounts:
    • Dedicated account details provided to customer.
    • Bank transfer instructions and reference numbers.
    • Automated reconciliation upon fund receipt.

Security & Compliance

All payment processing includes:

  • End-to-end encryption for sensitive data.
  • PCI DSS compliance for card transactions.
  • Local banking regulation adherence.
  • Anti-fraud monitoring and risk assessment.
Step 4: Status Confirmation

Transaction Status Determination

The system provides comprehensive transaction status information:

  • Approved: Payment successfully authorized and funds secured.
  • Pending: Awaiting customer action or bank processing.
  • Declined: Payment rejected due to insufficient funds, limits, or validation.
  • Failed: Technical or system errors preventing processing.
  • Expirado:

Synchronous Response Handling

For immediate processing (Cards, some APMs):

  • Final status returned in API response.
  • Transaction ID and reference numbers provided.
  • Receipt data and confirmation details included.

Asynchronous Status Updates

For multi-step processes:

  • Initial response confirms request acceptance.
  • Intermediate status updates track customer progress.
  • Final confirmation delivered via webhook notifications.
  • Status polling available through GET endpoints.

Transaction Details Provided

Complete transaction information includes:

  • Payment amounts and currency conversions.
  • Processing timestamps.
  • Payment method-specific details and references.
  • Fee calculations and settlement information.
  • Customer receipt data and confirmation codes.
Step 5: Real-time Notifications

Webhook Integration

Your application receives instant status updates through secure webhook notifications:

  • Event Types: Payment confirmed, failed, disputed, refunded.
  • Delivery Method: HTTPS POST to your configured endpoints.
  • Security: Signed requests with cryptographic verification.
  • Retry Logic: Automatic retries.

Implementation Best Practices

To ensure reliable webhook processing:

  • Signature Verification: Always validate webhook authenticity using provided signatures.
  • Idempotency: Handle duplicate notifications gracefully with unique event IDs.
  • Response Requirements: Return HTTP 200 status within timeout period.
  • Error Handling: Implement proper logging and alerting for failed webhook processing.

Status Reconciliation

For critical transactions, implement additional verification:

  • Use GET Transaction Status API for definitive confirmation.
  • Cross-reference webhook data with direct API queries.
  • Handle network issues and webhook delivery failures.
  • Maintain audit trails for compliance and troubleshooting.

Real-time Customer Experience

Webhook notifications enable:

  • Instant payment confirmation to customers.
  • Real-time order status updates.
  • Immediate digital delivery of goods/services.
  • Proactive communication about payment issues.

Post-Payin Operations

After initiating a payin, several management actions are available depending on the transaction status, payment method, and local regulations:

Refund Processing

Complete Refund Support

  • Supported Methods: Cards, Virtual Accounts, Cash and APMs.
  • Automatic Compliance: Built-in adherence to rail-specific and country-specific refund rules.
  • Status Tracking: Real-time refund status monitoring through unified API.
  • Processing Times: Varies by payment method and regional banking requirements.

Key Features:

  • Seamless integration with existing payment flows.
  • Comprehensive audit trail for all refund transactions.

Chargeback Management

Complete Dispute Lifecycle Management

  • Evidence Upload: Submit compelling evidence documentation.
  • SLA Tracking: Automated monitoring of response deadlines and requirements.
  • Full Audit Trail: Complete record from dispute initiation to final resolution.

Management Tools:

  • Centralized dashboard for all dispute cases.
  • Integration with card network dispute resolution systems.
  • Comprehensive reporting and analytics on chargeback trends.

Transaction Cancellation

Flexible Cancellation Support

  • Eligible Methods: APMs and Cash payments.
  • Automatic Expiry: Built-in time limits for time-sensitive payment methods.
  • Customer Notifications: Automated alerts for cancellation status updates.

Cancellation Features:

  • Instant cancellation processing for eligible transactions.
  • Integration with payment method-specific cancellation rules.
  • Complete transaction lifecycle management.

Treasury & Settlement

Comprehensive Settlement Management

  • Wire Out Functionality: Transfer collected funds to designated bank accounts.
  • Balance Monitoring: Real-time visibility into collected payment balances.
  • Settlement Scheduling: Configure automatic or manual settlement preferences.
  • Multi-Currency Support: Handle settlements across different currencies and regions.

Treasury Tools:

  • Customizable settlement timing and frequency.
  • Multi-bank account support for different currencies.
  • Comprehensive settlement reporting and reconciliation.
  • Integration with existing treasury management systems.

Getting Started

Ready to start accepting payments? Here's how to begin your integration:

Updated about 8 hours ago