Country Reference Matrix

Comprehensive country-level reference for payment methods, required fields, providers, regulatory requirements, and settlement calendars across all Yuno-supported markets

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.

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Key LatAm Markets

The following seven countries represent Yuno’s primary Latin American coverage with the deepest provider and payment method support.

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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

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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": "[e-mail]"
SPEI	customer.email, customer.name	Email: standard format	"email": "[e-mail]"
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

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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.

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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

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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": "[e-mail]"

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

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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

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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": "[e-mail]"

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

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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).

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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.

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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.

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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.

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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

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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.