Local_apm Providers

Brazil's second largest acquirer, owned by Itaú Unibanco. Offers both in-store and online payment processing with multi-brand card acceptance and tight integration with Itaú corporate banking services.

Payment arm of Banco Santander in LATAM, originally Brazilian and expanding across Santander markets in LATAM and Europe. Offers POS terminals, gateways, and merchant financing backed by Santander banking infrastructure.

Developer-friendly Brazilian payment gateway owned by StoneCo. Known for clean RESTful APIs, transparent pricing, and marketplace split payment support. Particularly popular among tech startups building multi-seller models in Brazil.

Brazil-specialist PSP for global merchants selling to Brazilian consumers. Offers proprietary Boleto Flash with 1-hour confirmation and Automatic PIX for subscriptions. First LATAM PSP certified as Salesforce ISV Partner.

Chile's dominant payment network and acquirer, a bank consortium-owned company with 180,000+ merchant clients. Webpay is the standard online payment method in Chile accepted by virtually all Chilean banks — near-mandatory for local merchants.

Chilean fintech offering real-time direct bank transfer payments as a low-cost card alternative. Very low fee structure at 0.69% + VAT. Consumers pay directly from their bank accounts without sharing card details.

Colombian payment gateway known for strict PCI DSS compliance and advanced anti-fraud modules. Trusted by major Colombian enterprises including Avianca and Grupo Nutresa. Strong in regulated B2B and enterprise segments across the Andean region.

Bancolombia's merchant-facing payment gateway for Colombian SMBs. Offers payment links, QR codes, Nequi wallet acceptance, and WooCommerce/Shopify plugins. Naturally integrated with Colombia's most-used bank for instant PSE settlements.

100% Colombian payment gateway backed by Davivienda bank and PayPal. Supports PSE, Efecty cash, credit cards, and recurring billing. Particularly competitive for merchants banking with Davivienda with simplified pricing.

Latin America's largest cash collection network enabling unbanked consumers to pay for online purchases at 600,000+ physical retail locations. Covers 13 LATAM countries including Peru, Ecuador, and Central America.

Peru's premier developer-focused payment gateway, part of the Credicorp financial group — the largest financial institution in Peru. Offers same-day payouts, payment links, QR, and Yape wallet integration. No monthly fees.

Peru's dominant payment acquirer (formerly VisaNet Perú) handling 66% of credit card transactions nationally. Offers both physical POS infrastructure and online payment gateway. Essential for large-volume merchants in Peru.

Peru's second-largest acquirer (24% market share), backed by Intercorp Financial Services and Scotiabank Perú. Integrated with Yape — the dominant Peruvian mobile payment app. Competitive rates for SMBs.

Mexican payment gateway offering card processing, OXXO cash, and SPEI bank transfers through one API. Developer-friendly with Shopify, WooCommerce, and Magento plugins. Popular with Mexican tech startups and e-commerce platforms.

API-first Mexican payment gateway incubated within BBVA México. Offers robust SPEI integration, large cash payment retail network including 7-Eleven, and multi-currency support with 1–2 business day settlement.

Mexico's leading mobile POS provider and fintech unicorn serving 4M+ merchants. Offers card readers available at convenience stores nationwide, payment links via WhatsApp/SMS, and standalone Clip Ultra POS hardware.

Central America's leading payment gateway with 14+ years of operation, covering 13 countries from El Salvador to Panama. Supports payment links, QR codes, and recurring billing for markets often overlooked by major LATAM PSPs.

Pan-European PayTech formed through mergers of Nexi (Italy), Nets (Nordics), and Concardis (Germany). Rivals Worldline in scale, focusing on omnichannel acceptance, card issuing, and digital banking infrastructure across Europe.

Belgium's most popular payment method with 15M+ cardholders. Combines the classic Bancontact card scheme with Payconiq QR-based mobile wallet. Available as an APM through Adyen, Mollie, and Stripe.

Market-leading PSP in Germany and Austria processing 6B+ transactions annually for 260,000+ merchants. A Worldline brand offering deep DACH-specific payment method integration and local acquiring strength.

UK-based Direct Debit specialist processing $30B+ annually across 30 countries. Covers BACS (UK), SEPA (EU), BECS (Australia), and ACH (US) through a single API. The go-to for SaaS and subscription businesses avoiding card fees.

Leading European open banking infrastructure provider connected to 3,000+ banks across UK and EU. Enables instant account-to-account payments as a low-cost card alternative. Strong adoption in iGaming for instant deposits.