> ## Documentation Index
> Fetch the complete documentation index at: https://yn-c9bb3266.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# 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.

<Tip>
  Use the [Coverage page](/reference/coverage) for a complete list of supported countries and payment methods per provider.
</Tip>

## 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)      |

***

## Europe

### General Requirements

<Warning>
  **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.
</Warning>

### 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.

***

## 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.

***

## 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 |