El crecimiento económico de América Latina en la última década ha ampliado la clase media y el poder adquisitivo. Para tener éxito en este mercado, es esencial aprovechar los métodos de pago locales y adoptar un enfoque personalizado.
América Latina, con sus 650 millones de habitantes y una clase media en crecimiento, es un mercado crucial para las empresas globales. FacilitaPay permite a su empresa incorporar sin problemas métodos de pago locales cruciales, superando los obstáculos regionales y capitalizando las oportunidades.
El sistema de pago instantáneo creado por el Banco Central de Brasil está cambiando el mercado al realizar transferencias y pagos, en pocos segundos, en cualquier momento del día, incluidos fines de semana y feriados, de manera segura y práctica.
Boleto Bancário
Brasil tiene una cultura centrada en el efectivo, y la población brasileña ha utilizado históricamente Boleto para pagar las facturas mensuales, los impuestos y también las compras de comercio electrónico. Llegue a la población no bancarizada y también a aquellos que prefieren Boleto por costumbre.
Tarjetas de crédito locales
El uso de tarjetas de crédito ha ido en aumento. Sin embargo, las tarjetas de crédito con acceso internacional representan solo el 24% de las transacciones de comercio electrónico. Empieza a aceptar tarjetas nacionales e internacionales y aumenta tus conversiones.
Tarjetas de débito locales
La tarjeta de débito es un método de pago común en Brasil. En la actualidad, hay 116 millones de tarjetas de débito activas en el país, con 664 000 millones de reales gastados con este método en 2019. Acepte tarjetas de débito para llegar a una nueva base de consumidores y optimizar sus ingresos en Brasil.
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Cuotas
Los brasileños tienen la costumbre de dividir el monto total de una compra realizada con una tarjeta de crédito en hasta 12 pagos mensuales. Permita que sus clientes realicen compras de mayor valor y aumente el tamaño promedio de sus boletos.
Cripto
Brasil tiene el séptimo mercado de criptomonedas más grande del mundo y está creciendo rápidamente. Con FacilitaPay, puedes realizar liquidaciones en criptomonedas, con soluciones rápidas y recibir tus pagos locales en monedas estables.
Billeteras digitales
La popularidad de las carteras digitales está aumentando en Brasil, principalmente debido a los beneficios que ofrecen, como la comodidad, la seguridad y la facilidad de pago. Manténgase a la vanguardia del mercado y comience a ofrecer carteras digitales en su tienda de comercio electrónico.
Otros pagos alternativos
Brasil tiene varias formas de pagar en línea más allá de las tarjetas de crédito. La transferencia bancaria y el débito en línea son dos opciones de pago efectivas. Permita que los consumidores usen su cuenta bancaria habitual para realizar un pago instantáneo sin correr el riesgo de que se le devuelva el cargo.
PSE (Pagos Seguros en Línea)
The preferred alternative payment solution in Colombia. Pagos Seguros en Línea allows your customers to make bank transfers directly from their bank accounts, without needing a credit card.
Baloto
Baloto is Colombia’s main lottery operator in the country and also has a payment network, with more than 13.500 payment stations, it’s able to reach 96% of the cities. Clients can pay purchases offline or online. When choosing the offline option, they receive a payment voucher with a barcode and a serial number, which can be paid at one of the payment stations.
SuRed
Being one of the largest payments networks in Colombia, SuRed is partnered with more than 27.000 convenience stores from different brands and across 32 departments. Clients who choose this payment method receive a voucher that can be paid in cash at any of their points.
Efecty
With real-time confirmation and easy user experience, Efecty is one of the most popular cash payment vouchers in Colombia, payable in over 10,000 locations throughout the country. Increases your sales by reaching a vast part of Colombian customers that prefer to pay offline, with cash and allows you to reach the unbanked population.
Local Credit Cards
This payment method is one of the primary options of Colombians when shopping online. All Colombian cards are enabled to make international purchases, yet, local banks and issuers impose some obstacles to international shopping. FacilitaPay card solution offers local acquiring what increases approval rates.
Local Debit Cards
The use of debit cards in Colombia is growing rapidly, with more than 20 million cardholders by 2021. The number of POS terminals has also increased to over 200,000, boosting card payments. The FacilitaPay card solution offers local acquiring, increasing approval rates.
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Installments
The instant payment system created by the Central Bank of Brazil is changing the market by performing transfers and payments, in a few seconds, at any time of the day - including weekends and holidays - in a safe and practical way.
OXXO
OXXO is one of the most famous voucher payments in Mexico. People are used to going to convenience stores to pay bills, and also their vouchers for e-commerce purchases. Start to accept OXXO as a payment method and reach more consumers.
OXXO Pay
The most known payment method in Mexico now with real-time confirmation.
Local Credit and Debit Cards
Access to financial services is still growing, and credit card penetration is on the rise in Mexico. Local acquiring can offer better approval rates in Mexico, and you can accept local debit cards.
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Installments
The instant payment system created by the Central Bank of Brazil is changing the market by performing transfers and payments, in a few seconds, at any time of the day - including weekends and holidays - in a safe and practical way.
SPEI
Whenever a Mexican wants to make an interbank transfer, they need to use SPEI. The Mexican system for online banking transactions. Allow your customers to pay for their purchases with online bank transfers through SPEI.
Crypto
The cryptocurrency market is gaining importance in Mexico due to the large population of unbanked individuals, high levels of remittance inflows, and growing interest in digital assets as a hedge against inflation and economic instability. With FacilitaPay, you can settle in crypto, use on/off ramp solutions, and receive your local payments in stablecoins.
Digital Wallets
The popularity of digital wallets is increasing in México, mostly due to the benefits offered by them, such as convenience, security, and simplicity to pay. Be ahead of the market and start to offer digital wallets on your e-commerce store.
Other Alternative Payments
Mexico has several payment methods besides credit cards. Voucher payments, Oxxo and digital wallets are very common methods used by online consumers.
RedCompra (Debit)
This is the most common debit system in Chile, allowing secure and instant payments. It is integrated into practically all banks in the country and is accepted in many commercial establishments.
Boleto Bancário
This online system allows payments via credit and debit cards and is widely accepted in e-commerce in Chile. It offers a convenient and secure way to carry out online transactions.
Mach
It's a mobile app that facilitates digital payments and transfers. With this platform, users can make payments in physical stores and online in a quick and secure manner.
Bank Transfer
Transfers between bank accounts are common for higher-value payments. Many Chilean banks offer instant or nearly instant transfers.
Multicaja
This is a service that allows cash deposits and withdrawals at stores and affiliated establishments. It also offers options for bill payments and services.
ServiPag
This is a popular method for paying bills and making other types of payments in physical establishments. It's a convenient way to pay utility bills, taxes, and other expenses without the need for a bank account.
CMR
Credit card issued by the Falabella store, it is one of the most popular credit cards in Chile and is accepted at various establishments. It also offers financing options.
Sencillito
Service that allows the payment of bills and other financial transactions in physical establishments. It is widely used for utility bill payments, mobile phone top-ups, and others.
Presto
This is a credit card issued by the Hites store and is accepted at a variety of establishments in addition to the brand's own stores. It also offers various promotions and discounts.
Magna
Specific credit card, generally accepted in affiliated stores and establishments such as supermarkets and gas stations. Offers benefits like exclusive discounts and promotions.
Mercado Pago
This is a widely used digital wallet for online shopping, bill payments, and money transfers. It offers a secure and convenient way to conduct financial transactions.
PayPal
This international online payment service is accepted by many sellers and online stores in Chile. It is a safe and effective option for cross-border transactions.
La aceptación de pagos con tarjeta de crédito con FacilitaPay es diferente. He aquí por qué:
Aumente las tasas de aprobación
Con las adquisiciones locales, su empresa tiene mejores tasas de aprobación.
Menor riesgo de contracargos
Confíe en Facilitapay Shield, una estrategia antifraude avanzada, sin coste adicional.
Lógica de reintento
La tecnología avanzada aumenta las tasas de aprobación al minimizar los pagos fallidos.
Simplifica compras
Admite pagos recurrentes, mediante la tokenización de tarjetas y la autorización previa.
Descriptor de facturación
Ofrece todos los métodos de pago locales en LATAM a tus clientes.
Adquisición internacional
Solo esquemas internacionales
El peor desempeño en los pagos, ya que los bancos emisores tienden a rechazar más transacciones de los adquirentes internacionales debido a la falta de información.
Limitado para quienes posean tarjetas habilitadas internacionalmente. La experiencia de compra no está localizada.
Sin cuotas ni facturación recurrente.
Adquisición local
Sistemas de tarjetas nacionales e internacionales
El mejor rendimiento en los pagos con una conexión directa con los adquirentes locales. De esta forma, los bancos emisores dispondrán de más datos sobre los consumidores locales, lo que aumentará las tasas de aprobación.
Los clientes tendrán una experiencia de pago local con todos los servicios disponibles y comprarán como lo harían en un comercio electrónico local.
Disponibilidad de pagos a plazos y facturación recurrente.
Our all-in-one payment hub encompasses all payment methods
Innovators worldwide can nurture their ideas through our adaptable platform. It provides tailor-made solutions and significant benefits, including exclusive features unique to us.
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