Explore métodos de pagamento locais.

O crescimento econômico latino-americano na última década expandiu a classe média e o poder de compra. Para ter sucesso nesse mercado, é essencial aproveitar os métodos de pagamento locais e adotar uma abordagem personalizada.

Comece agora

Por que a América Latina é mercado significativo?

A América Latina, com seus 650 milhões de habitantes e uma classe média em crescimento, é um mercado crucial para empresas globais. A FacilitaPay permite que sua empresa incorpore facilmente métodos de pagamento locais cruciais, superando obstáculos regionais e aproveitando as oportunidades.

PIX (pagamento instantâneo)

O sistema de pagamento instantâneo criado pelo Banco Central do Brasil está mudando o mercado ao realizar transferências e pagamentos, em poucos segundos, a qualquer hora do dia — inclusive finais de semana e feriados — de forma segura e prática.

Boleto Bancário

O Brasil tem uma cultura centrada no dinheiro, e o Boleto tem sido historicamente usado pela população brasileira para pagar contas mensais, impostos e também compras de comércio eletrônico. Alcance a população sem conta bancária e também aquelas cuja preferência é o boleto por hábito.

Cartões de crédito locais

O uso de cartões de crédito vem crescendo. No entanto, os cartões de crédito habilitados internacionalmente representem apenas 24% das transações de comércio eletrônico. Comece a aceitar cartões nacionais e internacionais e aumente suas conversões.

Cartões de débito locais

Um cartão de débito é um método de pagamento comum no Brasil. Hoje, existem 116 milhões de cartões de débito ativos no país, com 664 bilhões de reais gastos com esse método em 2019. Aceite cartões de débito para alcançar uma nova base de consumidores e otimizar sua receita no Brasil.

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Installments

Brazilians have the habit of splitting the total amount of a purchase made with a credit card in up to 12 monthly payments. Allow your customers to make higher-value purchases and increase your average ticket size.

Crypto

Brazil has the seventh largest crypto market in the world and is growing rapidly. With FacilitaPay, you can make settlement in crypto, on/off ramp solutions and receive your local payments in stablecoins.

Digital Wallets

The popularity of digital wallets is increasing in Brazil, 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

Brazil has several ways to pay online beyond credit cards. Bank Transfer and Online Debit are two effective payment options. Allow consumers to use their usual bank account to make an instant payment without the risk of chargeback for you.

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.

Comece agora

Aceitar pagamentos com cartão de crédito com o FacilitaPay é diferente. Veja o porquê:

Aumente as taxas de aprovação

Com a aquisição local, sua empresa tem melhores taxas de aprovação.

Menor risco de estorno

Confie no FacilitaPay Shield, uma estratégia antifraude avançada, sem custo adicional.

Lógica de repetição

A tecnologia avançada de aprendizado de máquina aumenta as taxas de aprovação ao minimizar os pagamentos falhados.

Simplifique as compras

Ofereça suporte a pagamentos recorrentes, por meio de tokenização de cartão e pré-autorização.

Descritor de cobrança

Comece a oferecer todos os métodos de pagamento locais na América Latina para seus clientes.

Aquisição internacional

Somente esquemas internacionais

O pior desempenho nos pagamentos, já que os bancos emissores, tendem a recusar mais transações de adquirentes internacionais devido à falta de informações.

Limitado para quem possui cartões habilitados internacionalmente. A experiência de compra não é localizada.

Sem parcelas e sem cobrança recorrente.

Aquisição local

Esquemas de cartões nacionais e internacionais

Melhor desempenho em pagamentos com conexão direta com adquirentes locais. Dessa forma, os bancos emissores terão mais dados de consumidores locais, aumentando as taxas de aprovação.

Os clientes terão uma experiência de pagamento local com todos os serviços disponíveis, comprando como fariam em um comércio eletrônico local.

Parcelas e cobranças recorrentes disponíveis.

Nosso hub de pagamento all-in-one engloba todos os métodos de pagamento

Inovadores em todo o mundo podem cultivar suas ideias por meio de nossa plataforma adaptável. Ele fornece soluções personalizadas e benefícios significativos, incluindo recursos exclusivos exclusivos para nós.

Converse com um de nossos especialistas

Pay-In

Easily access new markets and acquire new customers with a full range of traditional and local alternative payment methods, and receive your funds settlement anywhere in the world.

Payout

Pague seus usuários, vendedores, fornecedores e prestadores de serviços em moeda local, usando o método de pagamento preferido deles por meio de pagamentos únicos ou em massa.

FAQ FACILITAPAY - Operations & Services

What payment methods does FacilitaPay support?

FacilitaPay supports a wide range of payment methods across Latin America, including credit and debit cards, bank transfers, local e-wallets, Boleto (Brazil), Pix (Brazil), SPEI (Mexico), and more. We also provide stablecoin payouts in USDC and USDT.

How do you ensure compliance with local regulations?

We operate in full compliance with local financial regulations in every market we serve, including Brazil, Mexico, Colombia, and Chile. Our team monitors regulatory changes continuously, ensuring all transactions adhere to the latest requirements.

What currencies can my company transact in?

FacilitaPay allows companies to transact in local currencies like BRL, MXN, COP, and CLP, and we also offer the ability to convert to USD, USDC, or USDT for settlements. This eliminates currency risk for companies transacting across borders.

How does FacilitaPay handle foreign exchange (FX) rates?

We provide competitive, transparent FX rates and the ability to lock in rates for specific transactions. Our FX APIs allow dynamic conversion rates for cross-border payments, ensuring that you can price in USD while your customers pay in their local currencies.

What industries does FacilitaPay serve?

Our platform is built to serve a wide range of industries, including SaaS, e-commerce, fintechs, sports betting, remittances, international payment gateways, crypto exchanges, and more.

How do you manage fraud and security?

We employ advanced fraud detection tools and machine learning algorithms to minimize fraudulent transactions. We also adhere to industry-standard security protocols, including encryption and secure APIs, to protect sensitive data.

How are settlements handled?

Payouts can be made to local bank accounts or via stablecoins like USDC and USDT. We provide customizable payout schedules, and funds can be settled daily, weekly, or monthly, based on your business needs.

What is a rolling reserve, and how does it work?

Our rolling reserve holds a percentage of each transaction to mitigate risk. The funds are held for a pre-agreed period (up to six months) and can be released or kept depending on the client’s risk profile and transaction history.

Can we use FacilitaPay for both pay-ins and pay-outs?

Yes, FacilitaPay offers a comprehensive solution that allows businesses to manage both incoming payments (pay-ins) and outgoing disbursements (pay-outs), all within a single platform.

How does FacilitaPay integrate with my company’s existing system?

Our platform offers a suite of APIs designed for easy integration with your existing systems, such as e-commerce platforms, accounting software, and CRMs. Our technical team will guide your team through the setup process to ensure a smooth integration.

What support does FacilitaPay offer for corporate clients?

We provide dedicated account managers, 24/7 technical support, and a comprehensive knowledge base to assist our corporate clients. Our team is available to help with onboarding, troubleshooting, and optimizing your use of our platform.

Can I manage multiple countries through one account?

Yes, FacilitaPay’s platform is designed to handle multi-country operations through a single account. You can manage transactions across Brazil, Mexico, Colombia, and Chile with consolidated reporting and management tools.

How can I monitor my transaction activity?

FacilitaPay provides a real-time dashboard that allows you to monitor transactions, settlements, and analytics. You can generate customized reports and export data for further analysis.

What are the onboarding requirements for new clients?

To onboard with FacilitaPay, you will need to provide company details, KYC documentation, and information about your expected transaction volumes. Our team will guide you through the onboarding process to ensure compliance with local regulations.

How do I price my services in local currencies while receiving payouts in USD?

Our FX conversion API allows you to dynamically price your services in local currencies while settling payouts in USD or other preferred currencies. This ensures that your business remains insulated from currency fluctuations.

How does FacilitaPay handle chargebacks?

FacilitaPay assists with managing chargebacks by offering tools to dispute and track them in real-time. We provide detailed reporting and help you understand the reasons behind chargebacks, so you can take preventive measures.

Does FacilitaPay offer solutions for subscription-based businesses?

Yes, we support recurring billing and subscription management, making it easy for SaaS companies and other subscription-based businesses to automate and manage payments seamlessly.

How does FacilitaPay handle disputes or refunds?

Our platform allows for easy dispute management, offering automated workflows for refund requests and chargebacks. You can track the status of disputes in real-time via your dashboard.

Can FacilitaPay scale with my business as it grows internationally?

Absolutely. FacilitaPay is built for scalability, allowing you to expand across multiple regions without the need for new integrations. As your business grows, our platform grows with you, supporting larger volumes and more payment methods.

What’s the timeline for settling funds?

Settlement times depend on the payment method and market. For local bank transfers, settlements typically occur within 1–2 business days. For stablecoins, settlements can be processed almost instantly.

How to submit the user’s documentation?

It’s possible to submit it via api, manually through Facilitapay’s platform or sending it via e-mail.

Which documents do we accept as financial capacity?

Brazil
Latest Tax Declaration and its receipt;
Investment extracts;
Property buy and sell contract and proof that the user received the money;
Other documents signed by an accountant.
Mexico
Latest Tax Declaration and Its receipt;
Bank Statement; (at least 3 months)
Investment; (real state, fund and etc )
Other documents signed by an accountant.

When I have a problem with payment, settlement or fx, who do I contact?

You can contact our Payment Desk team at pd@facilitapay.com

Can I correct the user’s bank account details via api or FacilitaPay’s platform?

When a payout is not successful due to incorrect bank account details you must inform the correct bank details at pd@facilitapay.com and correct it for future deposits.

In how long a refund is done?

The timeline for refunds is 2 business days.

Which are the banking hours?

Brazil - 10:00 a.m. until 4:00 p.m. (GMT-3)
Mexico - 7:00 a.m. until 4:00 p.m. (GMT-6)
Colombia - 8:00 a.m. until 5 p.m. (GMT-5)

Why is a deposit not identified on my dashboard?

If a deposit is not identified on your dashboard, it can be:
The user is not registered on our system, so you must register them;
It's a deposit from a third party.

Why is a payout not successful?

If a payout is not successful, it can be:
The bank account details are wrong
The bank account details don’t belong to the user registered

Can I use the money collected in payins to do payouts?

In Brazil no, but in the other countries you can.

Do FacilitaPay has a limit on value or transactions?

No

What happens if a user doesn't send the financial capacity documentation?

The deposit is refunded after 72 hours without documentation.