Payment Methods by Region

Find the right payment methods for your target markets across Americas, Europe, and Asia-Pacific

Overview

Yuno supports 1000+ payment methods across 194 countries through 300+ providers. This guide helps you identify the most relevant methods for your target markets and understand region-specific requirements.

Use the Coverage page for a complete list of supported countries and payment methods per provider.

Americas

North America (US, CA)

Method	Type	Key Requirements
Visa / Mastercard / Amex	Card	email, AVS recommended
Discover	Card	email
Apple Pay	Digital Wallet	Requires Apple Pay merchant setup
Google Pay	Digital Wallet	Requires Google Pay merchant setup

Notes:

• AVS (Address Verification) is widely used for fraud prevention in the US. Include billing_address for higher approval rates.
• 3DS is optional but recommended for high-risk transactions.

Brazil (BR)

Method	Type	Key Requirements
PIX	Instant Transfer	document (CPF/CNPJ)
Boleto Bancário	Cash Voucher	document (CPF/CNPJ), address
Cards (Visa, MC, Elo, Hipercard)	Card	document recommended

Notes:

• PIX is Brazil’s most popular digital payment method with instant settlement.
• CPF (11 digits) for individuals, CNPJ (14 digits) for businesses.
• Local card brands Elo and Hipercard require Brazil-enabled providers.

Mexico (MX)

Method	Type	Key Requirements
OXXO	Cash Voucher	email
SPEI	Bank Transfer	email
Cards (Visa, MC, Amex)	Card	document (CURP/RFC) recommended

Notes:

• OXXO is Mexico’s largest convenience store chain with 20,000+ locations.
• SPEI transfers typically settle within minutes during banking hours.

Colombia (CO)

Method	Type	Key Requirements
PSE	Bank Transfer	document (CC/NIT)
Efecty	Cash Voucher	email
Cards (Visa, MC)	Card	document (CC) recommended
Nequi	Digital Wallet	phone

Notes:

• PSE redirects the customer to their bank for authorization.
• CC (Cédula de Ciudadanía) for individuals, NIT for businesses.

Chile (CL)

Method	Type	Key Requirements
Webpay	Card/Debit	document (RUT)
Cards (Visa, MC)	Card	document (RUT) recommended
Servipag	Cash Voucher	email

Peru (PE)

Method	Type	Key Requirements
PagoEfectivo	Cash Voucher	document (DNI)
Cards (Visa, MC)	Card	document (DNI) recommended

Argentina (AR)

Method	Type	Key Requirements
Cards (Visa, MC, Amex)	Card	document (DNI/CUIT)
Rapipago / PagoFácil	Cash Voucher	document (DNI)

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Europe

General Requirements

PSD2/SCA Compliance: All online card payments in the European Economic Area (EEA) require Strong Customer Authentication (3DS). Yuno handles 3DS automatically based on issuer requirements and your merchant configuration.

Western Europe (DE, FR, ES, IT)

Method	Type	Key Requirements
Visa / Mastercard	Card + 3DS	email, billing_address
SEPA Direct Debit	Bank Transfer	iban
Sofort / Klarna	Bank Transfer / BNPL	email
Apple Pay / Google Pay	Digital Wallet	Wallet merchant setup

Netherlands (NL)

Method	Type	Key Requirements
iDEAL	Bank Transfer	email
Cards (Visa, MC)	Card + 3DS	email, billing_address

Notes:

• iDEAL accounts for ~60% of Dutch e-commerce transactions.
• Customers select their bank and authorize via their banking app.

Belgium (BE)

Method	Type	Key Requirements
Bancontact	Card/Debit	email
Cards (Visa, MC)	Card + 3DS	email, billing_address

United Kingdom (GB)

Method	Type	Key Requirements
Cards (Visa, MC, Amex)	Card + 3DS	email, billing_address
Open Banking	Bank Transfer	email
Apple Pay / Google Pay	Digital Wallet	Wallet merchant setup

Notes:

• UK follows PSD2-equivalent SCA rules post-Brexit.
• Open Banking adoption is growing rapidly for both payments and payouts.

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Asia-Pacific

India (IN)

Method	Type	Key Requirements
UPI	Instant Transfer	vpa (Virtual Payment Address)
Cards (Visa, MC, RuPay)	Card	email
Netbanking	Bank Transfer	email

Notes:

• UPI handles 10+ billion transactions per month in India.
• RuPay is India’s domestic card network.

Southeast Asia (SG, MY, PH, TH, ID)

Method	Type	Key Requirements
GrabPay	Digital Wallet	email
DANA	Digital Wallet	email, phone
OVO	Digital Wallet	email, phone
Cards (Visa, MC)	Card	email

Notes:

• Digital wallets dominate e-commerce in Southeast Asia.
• GrabPay is available across Singapore, Malaysia, and Philippines.

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Regional Best Practices

Document Requirements by Country

Many LATAM countries require a tax identification document for regulatory compliance. Always include the customer document when available:

Country	Document Type	Format	Example
Brazil	CPF (individual)	11 digits	12345678901
Brazil	CNPJ (business)	14 digits	12345678000190
Colombia	CC (individual)	6-10 digits	1234567890
Colombia	NIT (business)	9 digits + check	900123456
Mexico	CURP (individual)	18 chars	GARM850101MDFRRL09
Mexico	RFC (business)	12-13 chars	GAR850101XXX
Chile	RUT	8 digits + check	12345678-9
Peru	DNI	8 digits	12345678
Argentina	DNI	7-8 digits	12345678
Argentina	CUIT (business)	11 digits	20123456789

Currency and Country Matching

Always match country and currency correctly. Mismatches will result in validation errors:

Country	Expected Currency	Common Mistake
US	USD	.
BR	BRL	Using USD for PIX
MX	MXN	Using USD for OXXO
CO	COP	Using USD for PSE
DE, FR, NL	EUR	Using local pre-euro currencies
GB	GBP	Using EUR
IN	INR	Using USD for UPI

3DS by Region

Region	3DS Requirement	Details
Europe (EEA)	Mandatory	PSD2 requires SCA for all online payments
UK	Mandatory	Post-Brexit SCA regulations
LATAM	Optional	Recommended for high-value transactions
US / Canada	Optional	Recommended for fraud reduction
APAC	Varies	Mandatory in India (RBI mandate), optional elsewhere