Overview
This reference provides a unified matrix of every country supported by Yuno, covering payment method availability, required customer fields, provider coverage, regulatory obligations, card brand support, and settlement calendars. Use this document to plan integrations, validate payloads, and understand compliance requirements per market.
Actual payment method and provider availability depends on your merchant configuration and agreements. Enable providers in Dashboard > Connections. Data in this document reflects general platform capabilities and may vary by account.
Key LatAm Markets
The following seven countries represent Yuno’s primary Latin American coverage with the deepest provider and payment method support.
Brazil (BR)
Quick Facts
| Property | Value |
|---|
| ISO Code | BR |
| Currency | Brazilian Real (BRL) |
| Decimal Places | 2 |
| Timezone | UTC-3 (BRT) |
| Settlement Currency | BRL (domestic), USD (cross-border) |
Payment Methods Available
| Method | Type | Currency Required | Settlement Time | Refund Support | Recurring Support |
|---|
| Credit Card | Card | BRL | D+30 (standard), D+2 (accelerated) | Full and partial | Yes |
| Debit Card | Card | BRL | D+1 | Full only | No |
| PIX | Instant Transfer | BRL | Real-time (D+0) | Full (via PIX return) | No |
| Boleto Bancario | Cash Voucher | BRL | D+1 after payment (expires in 1-3 days) | Not applicable | No |
| Bank Transfer (TED) | Bank Transfer | BRL | D+0 to D+1 | Manual | No |
Required Customer Fields
| Method | Required Fields | Format | Example |
|---|
| PIX | customer.document.document_type, customer.document.document_number, customer.email | CPF: 11 digits; CNPJ: 14 digits | "document_type": "CPF", "document_number": "12345678901" |
| Boleto | customer.document.document_type, customer.document.document_number, customer.name, customer.email | CPF: 11 digits; CNPJ: 14 digits | "document_type": "CNPJ", "document_number": "12345678000199" |
| Credit Card | customer.document.document_type, customer.document.document_number | CPF: 11 digits | "document_type": "CPF", "document_number": "98765432100" |
| Debit Card | customer.document.document_type, customer.document.document_number | CPF: 11 digits | Same as credit card |
Regulatory Requirements
- 3DS: Recommended but not mandated by regulation. Networks (Visa, MC) may mandate on high-risk transactions.
- KYC/AML: BACEN (Central Bank) requires CPF/CNPJ for all electronic payments. PIX transactions require tax ID for sender and receiver.
- Transaction Limits: PIX: configurable per institution (typical default R$1,000 nocturnal limit for individuals). Boleto: no regulatory cap but issuer limits apply.
- Data Residency: LGPD (Lei Geral de Protecao de Dados) applies. Personal data of Brazilian residents must follow LGPD consent and processing rules.
- Installments: Credit cards support 2-12 installments (issuer-dependent). Interest-free installments require merchant agreement.
Available Providers
| Provider | Card | PIX | Boleto | Bank Transfer |
|---|
| PagSeguro | Yes | Yes | Yes | No |
| dLocal | Yes | Yes | Yes | Yes |
| Adyen | Yes | Yes | Yes | No |
| Mercado Pago | Yes | Yes | No | No |
| PayU | Yes | Yes | Yes | No |
| Kushki | Yes | Yes | No | No |
| EBANX | Yes | Yes | Yes | Yes |
Card Brand Support
| Brand | Supported | Notes |
|---|
| Visa | Yes | Domestic and international |
| Mastercard | Yes | Domestic and international |
| American Express | Yes | Limited provider support |
| Elo | Yes | Domestic only; requires provider with local acquiring |
| Hipercard | Yes | Domestic only; PagSeguro, dLocal |
| Diners Club | Yes | Via select providers |
Settlement Calendar. Key Holidays
| Date | Holiday | Settlement Impact |
|---|
| Jan 1 | New Year | No settlement |
| Feb (variable) | Carnival (Mon-Wed) | 3-day gap |
| Mar/Apr (variable) | Good Friday | 1-day gap |
| Apr 21 | Tiradentes | No settlement |
| May 1 | Labor Day | No settlement |
| Sep 7 | Independence Day | No settlement |
| Oct 12 | Nossa Senhora Aparecida | No settlement |
| Nov 2 | All Souls’ Day | No settlement |
| Nov 15 | Republic Day | No settlement |
| Dec 25 | Christmas | No settlement |
Mexico (MX)
Quick Facts
| Property | Value |
|---|
| ISO Code | MX |
| Currency | Mexican Peso (MXN) |
| Decimal Places | 2 |
| Timezone | UTC-6 (CST) |
| Settlement Currency | MXN (domestic), USD (cross-border) |
Payment Methods Available
| Method | Type | Currency Required | Settlement Time | Refund Support | Recurring Support |
|---|
| Credit Card | Card | MXN | D+30 (standard) | Full and partial | Yes |
| Debit Card | Card | MXN | D+1 to D+2 | Full only | No |
| OXXO | Cash Voucher | MXN | D+1 after payment (expires 24-72 hrs) | Not applicable | No |
| SPEI | Bank Transfer | MXN | Real-time (D+0) | Manual | No |
| Paynet | Cash Voucher | MXN | D+1 after payment | Not applicable | No |
Required Customer Fields
| Method | Required Fields | Format | Example |
|---|
| OXXO | customer.email, customer.name | Email: standard format | "email": "user@example.com" |
| SPEI | customer.email, customer.name | Email: standard format | "email": "user@example.com" |
| Credit Card | customer.document.document_type, customer.document.document_number (optional but recommended) | RFC: 12-13 alphanum | "document_type": "RFC", "document_number": "XAXX010101000" |
Regulatory Requirements
- 3DS: Not mandated by regulation. Recommended for cross-border and high-value transactions.
- KYC/AML: CNBV (banking commission) requires RFC for high-value transactions. LFPIORPI applies to transactions above ~MXN $50,000.
- Transaction Limits: OXXO: MXN $10,000 per voucher. SPEI: no regulatory cap for authenticated transfers.
- Data Residency: LFPDPPP (Federal Law on Protection of Personal Data) applies.
- Installments: MSI (Meses Sin Intereses). 3, 6, 9, 12, 18 months interest-free; requires merchant-bank agreement.
Available Providers
| Provider | Card | OXXO | SPEI | Paynet |
|---|
| Conekta | Yes | Yes | Yes | Yes |
| dLocal | Yes | Yes | Yes | No |
| Adyen | Yes | No | No | No |
| Mercado Pago | Yes | No | Yes | No |
| PayU | Yes | Yes | Yes | No |
| Kushki | Yes | Yes | Yes | No |
Card Brand Support
| Brand | Supported | Notes |
|---|
| Visa | Yes | Domestic and international |
| Mastercard | Yes | Domestic and international |
| American Express | Yes | Limited provider support |
| Carnet | Yes | Domestic only; Conekta, dLocal |
Settlement Calendar. Key Holidays
| Date | Holiday | Settlement Impact |
|---|
| Jan 1 | New Year | No settlement |
| Feb 3 (1st Mon) | Constitution Day | No settlement |
| Mar 17 (3rd Mon) | Benito Juarez | No settlement |
| Mar/Apr (variable) | Holy Thursday + Good Friday | 2-day gap |
| May 1 | Labor Day | No settlement |
| Sep 16 | Independence Day | No settlement |
| Nov 17 (3rd Mon) | Revolution Day | No settlement |
| Dec 25 | Christmas | No settlement |
Colombia (CO)
Quick Facts
| Property | Value |
|---|
| ISO Code | CO |
| Currency | Colombian Peso (COP) |
| Decimal Places | 2 |
| Timezone | UTC-5 (COT) |
| Settlement Currency | COP (domestic), USD (cross-border) |
Payment Methods Available
| Method | Type | Currency Required | Settlement Time | Refund Support | Recurring Support |
|---|
| Credit Card | Card | COP | D+30 (standard) | Full and partial | Yes |
| Debit Card | Card | COP | D+1 to D+2 | Full only | No |
| PSE | Bank Transfer | COP | D+1 | Manual (via merchant) | No |
| Efecty | Cash Voucher | COP | D+1 after payment | Not applicable | No |
| Nequi | Digital Wallet | COP | D+0 to D+1 | Full | No |
| Bancolombia Transfer | Bank Transfer | COP | D+1 | Manual | No |
Required Customer Fields
| Method | Required Fields | Format | Example |
|---|
| PSE | customer.document.document_type, customer.document.document_number, customer.email | CC: 6-10 digits | "document_type": "CC", "document_number": "1234567890" |
| Efecty | customer.document.document_type, customer.document.document_number, customer.email | CC: 6-10 digits | Same as PSE |
| Nequi | customer.phone, customer.document.document_type, customer.document.document_number | Phone: 10 digits (3XX…) | "phone": "3001234567" |
| Credit Card | customer.document.document_type, customer.document.document_number | CC/CE/NIT | "document_type": "CC", "document_number": "1234567890" |
Regulatory Requirements
- 3DS: Not mandated. Recommended by card networks for international cards.
- KYC/AML: Superfinanciera requires document verification for electronic payments. CC (Cedula de Ciudadania) mandatory for domestic payers.
- Transaction Limits: Efecty: ~COP $3,000,000 per transaction. No regulatory cap on card payments but issuer limits apply.
- Data Residency: Law 1581 of 2012 (Habeas Data) governs personal data. Cross-border transfers require adequate protection.
- Installments: Credit cards support 2-36 installments (issuer-dependent).
Available Providers
| Provider | Card | PSE | Efecty | Nequi |
|---|
| PayU | Yes | Yes | Yes | Yes |
| dLocal | Yes | Yes | Yes | No |
| Adyen | Yes | No | No | No |
| Mercado Pago | Yes | Yes | No | No |
| Kushki | Yes | Yes | Yes | No |
Card Brand Support
| Brand | Supported | Notes |
|---|
| Visa | Yes | Domestic and international |
| Mastercard | Yes | Domestic and international |
| American Express | Yes | Limited provider support |
| Codensa | Yes | Domestic only; PayU |
| Diners Club | Yes | Via select providers |
Settlement Calendar. Key Holidays
| Date | Holiday | Settlement Impact |
|---|
| Jan 1 | New Year | No settlement |
| Jan 8 (Mon after Epiphany) | Epiphany (observed) | No settlement |
| Mar/Apr (variable) | Holy Thursday + Good Friday | 2-day gap |
| May 1 | Labor Day | No settlement |
| Jul 20 | Independence Day | No settlement |
| Aug 7 | Battle of Boyaca | No settlement |
| Dec 8 | Immaculate Conception | No settlement |
| Dec 25 | Christmas | No settlement |
Colombia has approximately 18 public holidays per year, more than most LatAm countries. Many are moved to the following Monday (“emiliani” law). Plan settlement expectations accordingly.
Argentina (AR)
Quick Facts
| Property | Value |
|---|
| ISO Code | AR |
| Currency | Argentine Peso (ARS) |
| Decimal Places | 2 |
| Timezone | UTC-3 (ART) |
| Settlement Currency | ARS (domestic only; USD cross-border subject to BCRA controls) |
Payment Methods Available
| Method | Type | Currency Required | Settlement Time | Refund Support | Recurring Support |
|---|
| Credit Card | Card | ARS | D+18 (standard domestic) | Full and partial | Yes |
| Debit Card | Card | ARS | D+1 to D+2 | Full only | No |
| Rapipago | Cash Voucher | ARS | D+1 after payment | Not applicable | No |
| Pago Facil | Cash Voucher | ARS | D+1 after payment | Not applicable | No |
| Transferencia 3.0 | Bank Transfer | ARS | D+0 to D+1 | Manual | No |
Required Customer Fields
| Method | Required Fields | Format | Example |
|---|
| Rapipago / Pago Facil | customer.document.document_type, customer.document.document_number, customer.name | DNI: 7-8 digits | "document_type": "DNI", "document_number": "12345678" |
| Credit Card | customer.document.document_type, customer.document.document_number | DNI: 7-8 digits; CUIT: 11 digits | "document_type": "DNI", "document_number": "12345678" |
| Transferencia 3.0 | customer.document.document_type, customer.document.document_number | DNI/CUIT/CUIL | Same as above |
Regulatory Requirements
- 3DS: Not mandated by BCRA. Networks may require for international cards.
- KYC/AML: BCRA requires DNI/CUIT for electronic payments. UIF (Financial Intelligence Unit) reporting for transactions above ARS thresholds (adjusted periodically for inflation).
- Transaction Limits: BCRA imposes foreign currency controls. USD card payments restricted; installments in ARS only.
- Data Residency: Law 25,326 on Personal Data Protection. Cross-border data transfers require adequate protection.
- Installments: “Cuotas”. 2-12 installments common. “Ahora 12” government program supports 3, 6, 12 installments with regulated interest.
Available Providers
| Provider | Card | Rapipago | Pago Facil | Transferencia |
|---|
| dLocal | Yes | Yes | Yes | No |
| Mercado Pago | Yes | No | No | Yes |
| PayU | Yes | Yes | Yes | No |
| Kushki | Yes | No | No | No |
Card Brand Support
| Brand | Supported | Notes |
|---|
| Visa | Yes | Domestic and international |
| Mastercard | Yes | Domestic and international |
| American Express | Yes | Limited provider support |
| Naranja | Yes | Domestic only; dLocal |
| Cabal | Yes | Domestic only; dLocal |
| Tarjeta Shopping | Yes | Domestic only; limited availability |
Settlement Calendar. Key Holidays
| Date | Holiday | Settlement Impact |
|---|
| Jan 1 | New Year | No settlement |
| Feb (variable) | Carnival (Mon-Tue) | 2-day gap |
| Mar 24 | Day of Remembrance | No settlement |
| Mar/Apr (variable) | Good Friday | 1-day gap |
| Apr 2 | Malvinas Day | No settlement |
| May 1 | Labor Day | No settlement |
| May 25 | May Revolution | No settlement |
| Jun 20 | Flag Day | No settlement |
| Jul 9 | Independence Day | No settlement |
| Dec 25 | Christmas | No settlement |
Chile (CL)
Quick Facts
| Property | Value |
|---|
| ISO Code | CL |
| Currency | Chilean Peso (CLP) |
| Decimal Places | 0 |
| Timezone | UTC-4 (CLT) / UTC-3 (CLST, summer) |
| Settlement Currency | CLP (domestic), USD (cross-border) |
CLP has zero decimal places. Sending decimal values (e.g., 1000.50) will cause a validation error. Always send integer amounts.
Payment Methods Available
| Method | Type | Currency Required | Settlement Time | Refund Support | Recurring Support |
|---|
| Credit Card | Card | CLP | D+30 (standard) | Full and partial | Yes |
| Debit Card (Redcompra) | Card | CLP | D+1 | Full only | No |
| Khipu | Bank Transfer | CLP | D+0 to D+1 | Manual | No |
| Webpay | Card Gateway | CLP | D+2 | Full and partial | No |
| Servipag | Cash Voucher | CLP | D+1 after payment | Not applicable | No |
Required Customer Fields
| Method | Required Fields | Format | Example |
|---|
| All methods | customer.document.document_type, customer.document.document_number | RUT: 8-9 digits + check digit (K or 0-9) | "document_type": "RUT", "document_number": "123456789" |
| Khipu | customer.email (additional) | Standard email | "email": "user@example.com" |
Regulatory Requirements
- 3DS: Not mandated. Transbank (local acquirer) handles its own authentication via Webpay flow.
- KYC/AML: CMF (Financial Market Commission) requires RUT for electronic payments. UAF reporting for large transactions.
- Transaction Limits: No specific regulatory caps on card payments. Cash voucher limits set by provider.
- Data Residency: Law 19,628 on Personal Data Protection. New data protection bill (in progress) may introduce stricter requirements.
- Installments: Credit cards support 2-12 installments. “Sin interes” (interest-free) requires merchant agreement.
Available Providers
| Provider | Card | Khipu | Webpay | Servipag |
|---|
| dLocal | Yes | No | No | No |
| Kushki | Yes | Yes | No | No |
| Transbank (via providers) | Yes | No | Yes | No |
| PayU | Yes | No | No | No |
Card Brand Support
| Brand | Supported | Notes |
|---|
| Visa | Yes | Domestic and international |
| Mastercard | Yes | Domestic and international |
| American Express | Yes | Limited provider support |
| Redcompra | Yes | Debit only; domestic; via Transbank |
| Diners Club | Yes | Via select providers |
Settlement Calendar. Key Holidays
| Date | Holiday | Settlement Impact |
|---|
| Jan 1 | New Year | No settlement |
| Mar/Apr (variable) | Good Friday + Holy Saturday | 2-day gap |
| May 1 | Labor Day | No settlement |
| May 21 | Navy Day | No settlement |
| Jun 26 | Sts. Peter and Paul | No settlement |
| Aug 15 | Assumption | No settlement |
| Sep 18-19 | Independence + Army Day | 2-day gap |
| Oct 12 | Columbus Day (observed) | No settlement |
| Nov 1 | All Saints’ Day | No settlement |
| Dec 25 | Christmas | No settlement |
Peru (PE)
Quick Facts
| Property | Value |
|---|
| ISO Code | PE |
| Currency | Peruvian Sol (PEN) |
| Decimal Places | 2 |
| Timezone | UTC-5 (PET) |
| Settlement Currency | PEN (domestic), USD (cross-border) |
Payment Methods Available
| Method | Type | Currency Required | Settlement Time | Refund Support | Recurring Support |
|---|
| Credit Card | Card | PEN, USD | D+30 (standard) | Full and partial | Yes |
| Debit Card | Card | PEN | D+1 to D+2 | Full only | No |
| PagoEfectivo | Cash Voucher | PEN | D+1 after payment (expires 24-72 hrs) | Not applicable | No |
| Bank Transfer (BCP, BBVA) | Bank Transfer | PEN | D+1 | Manual | No |
| Yape | Digital Wallet | PEN | D+0 to D+1 | Full | No |
Required Customer Fields
| Method | Required Fields | Format | Example |
|---|
| PagoEfectivo | customer.document.document_type, customer.document.document_number, customer.email | DNI: 8 digits | "document_type": "DNI", "document_number": "12345678" |
| Credit Card | customer.document.document_type, customer.document.document_number | DNI: 8 digits; RUC: 11 digits; CE: 9 digits | "document_type": "DNI", "document_number": "12345678" |
| Yape | customer.phone | 9 digits (9XX…) | "phone": "912345678" |
Regulatory Requirements
- 3DS: Not mandated by SBS. Recommended for cross-border transactions.
- KYC/AML: SBS (Superintendence of Banking) requires DNI/RUC for electronic payments. UIF reporting for transactions above PEN 10,000.
- Transaction Limits: PagoEfectivo: varies by agent network. No regulatory cap on cards.
- Data Residency: Law 29,733 (Personal Data Protection). Cross-border transfers require APDP authorization or adequate protection.
- Installments: Credit cards support 2-12 installments. Interest terms set by issuer.
Available Providers
| Provider | Card | PagoEfectivo | Bank Transfer | Yape |
|---|
| PayU | Yes | Yes | No | No |
| dLocal | Yes | Yes | No | No |
| Kushki | Yes | Yes | No | No |
| Mercado Pago | Yes | No | No | No |
| Izipay | Yes | No | Yes | Yes |
Card Brand Support
| Brand | Supported | Notes |
|---|
| Visa | Yes | Domestic and international |
| Mastercard | Yes | Domestic and international |
| American Express | Yes | Limited provider support |
| Diners Club | Yes | Domestic; via select providers |
Settlement Calendar. Key Holidays
| Date | Holiday | Settlement Impact |
|---|
| Jan 1 | New Year | No settlement |
| Mar/Apr (variable) | Holy Thursday + Good Friday | 2-day gap |
| May 1 | Labor Day | No settlement |
| Jun 29 | Sts. Peter and Paul | No settlement |
| Jul 28-29 | Independence Day | 2-day gap |
| Aug 30 | Santa Rosa de Lima | No settlement |
| Oct 8 | Battle of Angamos | No settlement |
| Nov 1 | All Saints’ Day | No settlement |
| Dec 8 | Immaculate Conception | No settlement |
| Dec 25 | Christmas | No settlement |
Uruguay (UY)
Quick Facts
| Property | Value |
|---|
| ISO Code | UY |
| Currency | Uruguayan Peso (UYU) |
| Decimal Places | 2 |
| Timezone | UTC-3 (UYT) |
| Settlement Currency | UYU (domestic), USD (cross-border) |
Payment Methods Available
| Method | Type | Currency Required | Settlement Time | Refund Support | Recurring Support |
|---|
| Credit Card | Card | UYU, USD | D+30 (standard) | Full and partial | Yes |
| Debit Card | Card | UYU | D+1 to D+2 | Full only | No |
| Abitab | Cash Voucher | UYU | D+1 after payment | Not applicable | No |
| Redpagos | Cash Voucher | UYU | D+1 after payment | Not applicable | No |
| Bank Transfer | Bank Transfer | UYU | D+1 | Manual | No |
Required Customer Fields
| Method | Required Fields | Format | Example |
|---|
| All methods | customer.document.document_type, customer.document.document_number | CI: 7-8 digits; RUT: 12 digits | "document_type": "CI", "document_number": "1234567" |
| Cash Vouchers | customer.email, customer.name (additional) | Standard format | "email": "user@example.com" |
Regulatory Requirements
- 3DS: Not mandated. BCU (Central Bank) does not require 3DS but networks may enforce.
- KYC/AML: BCU requires CI/RUT for electronic payments. UIAF reporting for transactions above thresholds defined by BCU.
- Transaction Limits: Cash voucher limits vary by provider. No specific regulatory cap on cards.
- Data Residency: Law 18,331 (Data Protection). URCDP oversees compliance. Cross-border transfers require adequate protection.
- Installments: Credit cards support 2-12 installments. “Ley de Inclusion Financiera” promotes electronic payment adoption.
Available Providers
| Provider | Card | Abitab | Redpagos | Bank Transfer |
|---|
| dLocal | Yes | Yes | Yes | No |
| PayU | Yes | No | No | No |
Card Brand Support
| Brand | Supported | Notes |
|---|
| Visa | Yes | Domestic and international |
| Mastercard | Yes | Domestic and international |
| American Express | Yes | Limited availability |
| OCA | Yes | Domestic only; via dLocal |
Settlement Calendar. Key Holidays
| Date | Holiday | Settlement Impact |
|---|
| Jan 1 | New Year | No settlement |
| Jan 6 | Epiphany | No settlement |
| Feb (variable) | Carnival (Mon-Tue) | 2-day gap |
| Mar/Apr (variable) | Holy Thursday + Good Friday | 2-day gap |
| Apr 19 | Landing of the 33 | No settlement |
| May 1 | Labor Day | No settlement |
| May 18 | Battle of Las Piedras | No settlement |
| Jun 19 | Artigas Birthday | No settlement |
| Jul 18 | Constitution Day | No settlement |
| Aug 25 | Independence Day | No settlement |
| Dec 25 | Christmas | No settlement |
Secondary Markets
The following countries have more limited payment method and provider coverage. Card payments (Visa, Mastercard) are available in all markets below.
| Country | ISO | Currency | Code | Dec. | Document Types | Additional Methods | Key Providers |
|---|
| Bolivia | BO | Boliviano | BOB | 2 | CI, NIT | Bank transfer | dLocal |
| Costa Rica | CR | Colon | CRC | 2 | CI, DIMEX | SINPE Movil | dLocal |
| Dominican Republic | DO | Peso | DOP | 2 | CI, RNC | Bank transfer | dLocal |
| Ecuador | EC | US Dollar | USD | 2 | CI, RUC, PP | Bank transfer | dLocal, PayU, Kushki |
| El Salvador | SV | US Dollar | USD | 2 | DUI, NIT | Cash vouchers | dLocal |
| Guatemala | GT | Quetzal | GTQ | 2 | DPI, NIT | Cash vouchers | dLocal, PayU |
| Honduras | HN | Lempira | HNL | 2 | DNI, RTN | . | dLocal |
| Nicaragua | NI | Cordoba | NIO | 2 | CI | . | dLocal |
| Panama | PA | USD / Balboa | USD/PAB | 2 | CI, RUC | Bank transfer | dLocal |
| Paraguay | PY | Guarani | PYG | 0 | CI, RUC | . | dLocal |
| United States | US | US Dollar | USD | 2 | SSN (not required) | ACH | Adyen, dLocal |
| Canada | CA | Canadian Dollar | CAD | 2 | SIN (not required) | Interac | Adyen |
PYG (Paraguayan Guarani) has zero decimal places, like CLP. Do not send decimal values for these currencies.
European, Asia Pacific, and Africa/Middle East coverage is expanding. Contact your Yuno account manager for the latest availability. Currently supported regions include select markets in Spain (ES), Portugal (PT), United Kingdom (GB), India (IN), and Nigeria (NG).
Cross-Country Comparison Matrix
A side-by-side comparison of capabilities across the seven key LatAm markets.
| Feature | BR | MX | CO | AR | CL | PE | UY |
|---|
| Instant Transfer | PIX | SPEI | Nequi (wallet) | Transferencia 3.0 | Khipu | . | . |
| Cash Voucher | Boleto | OXXO, Paynet | Efecty | Rapipago, Pago Facil | Servipag | PagoEfectivo | Abitab, Redpagos |
| Bank Transfer | TED | SPEI | PSE | Transferencia 3.0 | Khipu | BCP/BBVA | Bank Transfer |
| 3DS Mandated | No (recommended) | No | No | No | No | No | No |
| Installments | 2-12 | 3-18 (MSI) | 2-36 | 2-12 (Cuotas) | 2-12 | 2-12 | 2-12 |
| Local Card Networks | Elo, Hipercard | Carnet | Codensa | Naranja, Cabal | Redcompra | . | OCA |
| Domestic Approval Rate | 85-95% | 80-90% | 75-85% | 70-85% | 80-90% | 75-85% | 80-90% |
| Primary Document | CPF | RFC | CC | DNI | RUT | DNI | CI |
| Zero-Decimal Currency | No | No | No | No | Yes | No | No |
| Number of Providers | 7+ | 6+ | 5+ | 4+ | 4+ | 5+ | 2+ |
Domestic approval rates are approximate ranges based on industry benchmarks for well-configured integrations. Actual rates depend on provider, card issuer, fraud rules, and transaction risk profile. Monitor your rates in Dashboard > Analytics.
Regulatory Compliance Summary
| Country | Data Privacy Law | 3DS Requirement | KYC Document | Reporting Threshold | Currency Controls |
|---|
| BR | LGPD | Recommended (not mandated) | CPF / CNPJ | COAF reporting; thresholds set by BACEN | Limited; BACEN oversight on FX |
| MX | LFPDPPP | Not mandated | RFC / CURP | LFPIORPI: ~MXN $50,000 | Limited; Banxico oversight |
| CO | Law 1581 (Habeas Data) | Not mandated | CC / CE / NIT | UIAF: ~COP $10,000,000 | Moderate; Banco de la Republica controls |
| AR | Law 25,326 | Not mandated | DNI / CUIT / CUIL | UIF: adjusted periodically (inflation) | Strict; BCRA “cepo cambiario” on USD |
| CL | Law 19,628 | Not mandated | RUT | UAF: ~UF 450 | Limited; BCCh oversight |
| PE | Law 29,733 | Not mandated | DNI / RUC / CE | UIF-Peru: PEN 10,000+ | Limited; BCRP oversight |
| UY | Law 18,331 | Not mandated | CI / RUT | UIAF: thresholds set by BCU | Limited; BCU oversight |
| US | State laws (CCPA, etc.) | Network-dependent (Visa/MC rules) | Not typically required | BSA/FinCEN: $10,000+ | None |
| CA | PIPEDA | Network-dependent | Not typically required | FINTRAC: CAD $10,000+ | None |
3DS is not mandated by any LatAm regulator as of 2026. However, card networks (Visa, Mastercard) may enforce 3DS on specific transaction types, particularly cross-border. Enabling 3DS shifts fraud liability to the issuer and typically improves approval rates for international cards.
Settlement Calendar
Key banking holidays by country that cause settlement gaps. Dates marked with “(variable)” shift annually.
January - March
| Date | BR | MX | CO | AR | CL | PE | UY |
|---|
| Jan 1 | Holiday | Holiday | Holiday | Holiday | Holiday | Holiday | Holiday |
| Jan 6 | . | . | Holiday (Mon) | . | . | . | Holiday |
| Feb (variable) | Carnival (3d) | . | . | Carnival (2d) | . | . | Carnival (2d) |
| Mar 24 | . | . | . | Holiday | . | . | . |
| Mar 17 (3rd Mon) | . | Holiday | . | . | . | . | . |
April - June
| Date | BR | MX | CO | AR | CL | PE | UY |
|---|
| Holy Week (variable) | Fri | Thu-Fri | Thu-Fri | Fri | Fri-Sat | Thu-Fri | Thu-Fri |
| Apr 2 | . | . | . | Holiday | . | . | . |
| Apr 19 | . | . | . | . | . | . | Holiday |
| Apr 21 | Holiday | . | . | . | . | . | . |
| May 1 | Holiday | Holiday | Holiday | Holiday | Holiday | Holiday | Holiday |
| May 18 | . | . | . | . | . | . | Holiday |
| May 21 | . | . | . | . | Holiday | . | . |
| May 25 | . | . | . | Holiday | . | . | . |
| Jun 19 | . | . | . | . | . | . | Holiday |
| Jun 20 | . | . | . | Holiday | . | . | . |
| Jun 29 | . | . | . | . | . | Holiday | . |
July - September
| Date | BR | MX | CO | AR | CL | PE | UY |
|---|
| Jul 9 | . | . | . | Holiday | . | . | . |
| Jul 18 | . | . | . | . | . | . | Holiday |
| Jul 20 | . | . | Holiday | . | . | . | . |
| Jul 28-29 | . | . | . | . | . | Holiday (2d) | . |
| Aug 7 | . | . | Holiday | . | . | . | . |
| Aug 15 | . | . | Holiday | . | Holiday | . | . |
| Aug 25 | . | . | . | . | . | . | Holiday |
| Aug 30 | . | . | . | . | . | Holiday | . |
| Sep 7 | Holiday | . | . | . | . | . | . |
| Sep 16 | . | Holiday | . | . | . | . | . |
| Sep 18-19 | . | . | . | . | Holiday (2d) | . | . |
October - December
| Date | BR | MX | CO | AR | CL | PE | UY |
|---|
| Oct 8 | . | . | . | . | . | Holiday | . |
| Oct 12 | Holiday | . | . | . | Holiday (obs) | . | . |
| Nov 1 | . | . | . | . | Holiday | Holiday | . |
| Nov 2 | Holiday | . | . | . | . | . | . |
| Nov 15 | Holiday | . | . | . | . | . | . |
| Nov 17 (3rd Mon) | . | Holiday | . | . | . | . | . |
| Dec 8 | . | . | Holiday | . | Holiday | Holiday | . |
| Dec 25 | Holiday | Holiday | Holiday | Holiday | Holiday | Holiday | Holiday |
When a holiday falls on a weekend, some countries observe it on the nearest Monday. Always verify the current year’s calendar with each country’s central bank for exact dates. Bridge days (“puentes”) between holidays and weekends are common in CO, AR, and MX, creating extended settlement gaps.
Document Type Reference
Tax identification documents required for Latin American payment methods.
| Document Type | Code | Country | Description | Format |
|---|
| CPF | CPF | BR | Cadastro de Pessoas Fisicas (Individual tax ID) | 11 digits (e.g., 12345678901) |
| CNPJ | CNPJ | BR | Cadastro Nacional da Pessoa Juridica (Business tax ID) | 14 digits (e.g., 12345678000199) |
| CC | CC | CO | Cedula de Ciudadania (Citizen ID) | 6-10 digits |
| CE | CE | CO, PE | Cedula de Extranjeria (Foreign resident ID) | 6-7 digits (CO), 9 digits (PE) |
| NIT | NIT | CO, SV, GT | Numero de Identificacion Tributaria (Tax ID) | 9-10 digits |
| TI | TI | CO | Tarjeta de Identidad (Minor ID) | 10-11 digits |
| PP | PP | CO, PE, EC | Passport | Alphanumeric, varies by issuing country |
| DNI | DNI | AR, PE, HN | Documento Nacional de Identidad (National ID) | AR: 7-8 digits, PE: 8 digits |
| CUIT | CUIT | AR | Clave Unica de Identificacion Tributaria (Tax ID) | 11 digits (e.g., 20-12345678-9) |
| CUIL | CUIL | AR | Clave Unica de Identificacion Laboral (Labor ID) | 11 digits |
| RUT | RUT | CL, UY | Rol Unico Tributario (Tax ID) | CL: 8-9 digits + check digit, UY: 12 digits |
| RUC | RUC | PE, EC, PY, PA | Registro Unico de Contribuyente (Tax registry) | PE: 11 digits, EC: 13 digits |
| RFC | RFC | MX | Registro Federal de Contribuyentes (Federal tax registry) | 12-13 alphanumeric characters |
| CURP | CURP | MX | Clave Unica de Registro de Poblacion (Population registry) | 18 alphanumeric characters |
| INE | INE | MX | Instituto Nacional Electoral (Voter ID) | 13 digits |
| CI | CI | BO, CR, DO, EC, NI, PA, PY, UY | Cedula de Identidad (Identity card) | Varies by country |
| DUI | DUI | SV | Documento Unico de Identidad | 9 digits |
| DPI | DPI | GT | Documento Personal de Identificacion | 13 digits |
| RTN | RTN | HN | Registro Tributario Nacional (Tax registry) | 14 digits |
| DIMEX | DIMEX | CR | Documento de Identidad Migratoria para Extranjeros | 11-12 digits |
| RNC | RNC | DO | Registro Nacional del Contribuyente (Tax registry) | 9 digits |
Currency Codes
All currency codes follow the ISO 4217 standard.
| Currency | Code | Symbol | Decimal Places | Countries |
|---|
| Argentine Peso | ARS | $ | 2 | AR |
| Boliviano | BOB | Bs | 2 | BO |
| Brazilian Real | BRL | R$ | 2 | BR |
| Canadian Dollar | CAD | CA$ | 2 | CA |
| Chilean Peso | CLP | $ | 0 | CL |
| Colombian Peso | COP | $ | 2 | CO |
| Costa Rican Colon | CRC | ₡ | 2 | CR |
| Dominican Peso | DOP | RD$ | 2 | DO |
| Guatemalan Quetzal | GTQ | Q | 2 | GT |
| Honduran Lempira | HNL | L | 2 | HN |
| Mexican Peso | MXN | $ | 2 | MX |
| Nicaraguan Cordoba | NIO | C$ | 2 | NI |
| Panamanian Balboa | PAB | B/. | 2 | PA |
| Paraguayan Guarani | PYG | ₲ | 0 | PY |
| Peruvian Sol | PEN | S/ | 2 | PE |
| US Dollar | USD | $ | 2 | US, EC, SV, PA |
| Uruguayan Peso | UYU | $U | 2 | UY |
CLP and PYG have zero decimal places. Sending decimal values for these currencies will result in a validation error. Always verify the decimal_places value for your target currency before submitting payment requests.
