Provider Coverage & Comparison Matrix

Comprehensive provider comparison for evaluating payment processors available through Yuno’s orchestration platform

Overview

Selecting the right payment providers is one of the most impactful decisions in your orchestration setup. This reference helps merchants and Solutions Engineers evaluate providers across geography, payment method coverage, feature support, cost structure, and reliability.

Use this matrix to:

• Compare providers side by side before configuring your routing rules
• Identify coverage gaps that require adding a secondary or tertiary provider
• Estimate costs and plan your multi-provider architecture
• Plan onboarding timelines for new market launches

Coverage depends on your configured providers. Enable providers in Dashboard > Connections to activate payment methods for specific countries.

Exact pricing, SLA terms, and feature availability depend on individual merchant agreements negotiated directly with each provider. The figures in this document represent typical market ranges and should be used for planning purposes only. Always confirm terms with your provider and Yuno account manager.

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Provider Catalog

Global Gateways

Adyen

Adyen is a global payments platform with direct acquiring licenses in multiple regions.

Attribute	Details
Countries	30+ countries including AR, BR, CL, CO, MX, PE, US, EU
Payment methods	Cards (Visa, Mastercard, Amex), PIX, Boleto, OXXO, SPEI, bank transfers, wallets
Key features	3DS2, network tokens, Apple Pay, Google Pay, tokenization, recurring, split payments, RevenueProtect fraud tools
Settlement currencies	USD, EUR, BRL, MXN, COP, ARS, CLP, PEN, and 20+ others
Onboarding time	2—4 weeks (KYC dependent)
Best for	High-volume merchants needing single-provider global coverage with advanced fraud tools

Stripe

Stripe offers developer-friendly APIs with strong card processing capabilities.

Attribute	Details
Countries	25+ countries including BR, MX, US, EU (limited LATAM local acquiring)
Payment methods	Cards (Visa, Mastercard, Amex), Boleto, OXXO, bank redirects, wallets
Key features	3DS2, tokenization, Apple Pay, Google Pay, recurring (Billing), Stripe Connect for marketplaces, Radar fraud tools
Settlement currencies	USD, EUR, BRL, MXN, GBP, and 15+ others
Onboarding time	1—3 days (self-serve); 1—2 weeks (enterprise)
Best for	Developers and SaaS platforms needing fast integration with strong documentation

dLocal

dLocal specializes in emerging markets with a single-API approach to LATAM, Africa, and Asia.

Attribute	Details
Countries	40+ emerging markets including AR, BO, BR, CL, CO, CR, EC, MX, PA, PE, PY, UY
Payment methods	Cards, PIX, Boleto, OXXO, SPEI, PSE, Efecty, PagoEfectivo, Khipu, Rapipago, bank transfers
Key features	3DS2, tokenization, recurring, cross-border payouts, currency conversion, installments
Settlement currencies	USD, EUR (settles in hard currency from local methods)
Onboarding time	2—4 weeks
Best for	Cross-border merchants selling into LATAM without local entities

Checkout.com

Checkout.com provides a modular payment stack with strong card processing performance.

Attribute	Details
Countries	20+ countries including BR, MX, US, EU
Payment methods	Cards (Visa, Mastercard, Amex), PIX, Boleto, OXXO, wallets, bank transfers
Key features	3DS2, network tokens, Apple Pay, Google Pay, tokenization, recurring, Fraud Detection Pro
Settlement currencies	USD, EUR, GBP, BRL, MXN, and 15+ others
Onboarding time	1—3 weeks
Best for	Enterprise merchants needing high-performance card processing with flexible payouts

Regional Providers. Brazil

PagSeguro

Attribute	Details
Countries	BR
Payment methods	Cards (Visa, MC, Amex, Elo, Hipercard), PIX, Boleto
Key features	Tokenization, installments (up to 12x), recurring, fraud screening
Settlement currencies	BRL
Onboarding time	3—7 business days

Cielo

Attribute	Details
Countries	BR
Payment methods	Cards (Visa, MC, Amex, Elo, Hipercard, Diners), PIX, Boleto
Key features	3DS2, tokenization, installments (up to 12x), recurring, zero-auth validation
Settlement currencies	BRL
Onboarding time	5—10 business days

Rede

Attribute	Details
Countries	BR
Payment methods	Cards (Visa, MC, Amex, Elo, Hipercard), PIX
Key features	3DS2, tokenization, installments (up to 12x), e-Rede integration
Settlement currencies	BRL
Onboarding time	5—10 business days

Stone

Attribute	Details
Countries	BR
Payment methods	Cards (Visa, MC, Elo, Hipercard), PIX, Boleto
Key features	Tokenization, installments, transparent checkout, split payments
Settlement currencies	BRL
Onboarding time	3—7 business days

Mercado Pago BR

Attribute	Details
Countries	BR
Payment methods	Cards (Visa, MC, Amex, Elo, Hipercard), PIX, Boleto, Mercado Credito
Key features	Tokenization, installments (up to 12x), recurring, split payments, wallet payments
Settlement currencies	BRL
Onboarding time	1—5 business days

Regional Providers. Mexico

Conekta

Attribute	Details
Countries	MX
Payment methods	Cards (Visa, MC, Amex, Carnet), OXXO, SPEI
Key features	3DS, tokenization, installments (MSI up to 12x), recurring, marketplace splits
Settlement currencies	MXN
Onboarding time	3—7 business days

OpenPay

Attribute	Details
Countries	MX, CO
Payment methods	Cards (Visa, MC, Amex), OXXO, SPEI, bank transfers
Key features	Tokenization, installments, recurring, fraud prevention tools
Settlement currencies	MXN, COP
Onboarding time	5—10 business days

Mercado Pago MX

Attribute	Details
Countries	MX
Payment methods	Cards (Visa, MC, Amex, Carnet), OXXO, SPEI, Mercado Credito
Key features	Tokenization, installments (MSI), wallet, split payments
Settlement currencies	MXN
Onboarding time	1—5 business days

Regional Providers. Colombia, Argentina, Chile, Peru

PayU (CO)

Attribute	Details
Countries	CO, MX, AR, BR, CL, PE, PA
Payment methods	Cards (Visa, MC, Amex, Codensa), PSE, Efecty, Baloto, bank transfers
Key features	Tokenization, installments, recurring, antifraud module
Settlement currencies	COP, MXN, ARS, BRL, CLP, PEN, USD
Onboarding time	5—15 business days

Kushki

Attribute	Details
Countries	CO, MX, CL, PE, EC
Payment methods	Cards (Visa, MC, Amex, Diners), PSE, bank transfers, cash vouchers
Key features	3DS2, tokenization, installments, recurring, payouts
Settlement currencies	COP, MXN, CLP, PEN, USD
Onboarding time	5—10 business days

Prisma / Decidir (AR)

Attribute	Details
Countries	AR
Payment methods	Cards (Visa, MC, Amex, Naranja, Cabal), Rapipago, Pago Facil, Transferencia 3.0
Key features	Tokenization, installments (Ahora 3/6/12/18), recurring, Cybersource fraud tools
Settlement currencies	ARS
Onboarding time	5—15 business days

Mercado Pago (AR/CL/PE/CO)

Attribute	Details
Countries	AR, CL, PE, CO, UY
Payment methods	Cards, cash (Rapipago, Pago Facil), bank transfers, wallet, Mercado Credito
Key features	Tokenization, installments, wallet payments, split payments
Settlement currencies	ARS, CLP, PEN, COP, UYU
Onboarding time	1—5 business days

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Provider Comparison Matrix

The following table compares payment method support across all major providers available through Yuno.

Provider	Countries	Cards	PIX	Boleto	OXXO	PSE	Bank Transfer	3DS	Tokenization	Installments	Recurring	Settlement Speed
Adyen	30+	Yes	Yes	Yes	Yes	Yes	Yes	3DS2	Yes	Yes	Yes	D+1 to D+3
Stripe	25+	Yes	No	Yes	Yes	No	Yes	3DS2	Yes	Limited	Yes	D+2 to D+7
dLocal	40+	Yes	Yes	Yes	Yes	Yes	Yes	3DS2	Yes	Yes	Yes	D+3 to D+15
Checkout.com	20+	Yes	Yes	Yes	Yes	No	Yes	3DS2	Yes	Limited	Yes	D+1 to D+3
PagSeguro	BR	Yes	Yes	Yes	No	No	No	Limited	Yes	Yes	Yes	D+1 to D+14
Cielo	BR	Yes	Yes	Yes	No	No	No	3DS2	Yes	Yes	Yes	D+1 to D+30
Rede	BR	Yes	Yes	No	No	No	No	3DS2	Yes	Yes	Limited	D+1 to D+30
Stone	BR	Yes	Yes	Yes	No	No	No	Limited	Yes	Yes	Limited	D+1 to D+30
Mercado Pago	AR, BR, MX, CL, CO, PE, UY	Yes	Yes	Yes	No	No	Yes	Limited	Yes	Yes	Yes	D+1 to D+14
Conekta	MX	Yes	No	No	Yes	No	Yes	3DS	Yes	Yes	Yes	D+2 to D+5
OpenPay	MX, CO	Yes	No	No	Yes	No	Yes	Limited	Yes	Yes	Yes	D+2 to D+7
PayU	CO, MX, AR, BR, CL, PE, PA	Yes	No	Yes	No	Yes	Yes	Limited	Yes	Yes	Yes	D+3 to D+10
Kushki	CO, MX, CL, PE, EC	Yes	No	No	No	Yes	Yes	3DS2	Yes	Yes	Yes	D+2 to D+7
Prisma/Decidir	AR	Yes	No	No	No	No	Yes	Limited	Yes	Yes	Yes	D+2 to D+10

Settlement speed ranges depend on payment method (cards vs. cash vouchers), installment plans, and negotiated terms. PIX settlements in Brazil are typically D+0 to D+1 regardless of provider.

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Feature Support Matrix

Advanced feature availability across providers. “Partial” indicates the feature is available with restrictions or limited to certain payment methods.

Provider	Network Tokens	Apple Pay	Google Pay	Split Payments	Payouts	Currency Conversion	Fraud Tools
Adyen	Yes	Yes	Yes	Yes	Yes	Yes	RevenueProtect (built-in)
Stripe	Yes	Yes	Yes	Yes (Connect)	Yes	Yes	Radar (built-in)
dLocal	No	Partial	Partial	No	Yes	Yes (core feature)	Basic rules
Checkout.com	Yes	Yes	Yes	Partial	Yes	Yes	Fraud Detection Pro
PagSeguro	No	No	No	Partial	No	No	Basic screening
Cielo	No	No	No	No	No	No	Basic rules
Rede	No	No	No	No	No	No	Basic rules
Stone	No	No	No	Yes	No	No	Basic screening
Mercado Pago	No	No	No	Yes	Yes	No	Built-in ML scoring
Conekta	No	No	Partial	Yes	No	No	Basic antifraud
OpenPay	No	No	No	No	No	No	Basic rules
PayU	No	No	No	Partial	Partial	Partial	Antifraud module
Kushki	No	No	No	Partial	Yes	Partial	Basic rules
Prisma/Decidir	No	No	No	No	No	No	Cybersource integration

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Cost Benchmarks

The fee ranges below are industry estimates based on publicly available information and typical merchant agreements as of early 2026. Your actual rates will depend on volume, risk profile, industry, and direct negotiations. Always confirm pricing with your provider and Yuno account manager before making architectural decisions.

Fee Structure by Provider Type

Provider Type	Per-Transaction Fee	Percentage Fee	Cross-Border Surcharge	Monthly Minimum
Global gateway (Adyen, Stripe, Checkout.com)	$0.10 --$0.30 USD	2.4% — 3.5%	+0.5% — 1.5%	$0 --$500
Cross-border specialist (dLocal)	$0.15 --$0.40 USD	3.0% — 5.0%	Included in rate	$0 --$250
Local acquirer (Brazil) (Cielo, Rede, Stone, PagSeguro)	R$0.10 -- R$0.50	1.5% — 3.2%	N/A (domestic only)	Varies
Local acquirer (Mexico) (Conekta, OpenPay)	MXN $1.50 --$4.00	2.5% — 3.6%	N/A (domestic only)	Varies
Regional multi-country (PayU, Kushki, Mercado Pago)	$0.10 --$0.35 USD	2.5% — 4.5%	+0.3% — 1.0%	$0 --$200

Cost by Payment Method

Payment Method	Typical Provider Fee	Chargeback Fee	Refund Fee
Credit card (domestic)	1.5% — 3.5% + fixed	$10 --$25 USD	$0 --$0.25
Debit card	0.8% — 2.0% + fixed	$10 --$25 USD	$0 --$0.25
PIX	0.5% — 1.2% (flat in some cases)	N/A	$0
Boleto	R$1.50 -- R$5.00 flat	N/A	N/A
OXXO	MXN $5.00 --$12.00 flat	N/A	N/A
PSE	COP $800 --$3,000 flat	N/A	N/A
Bank transfer	0.3% — 1.0% or flat	N/A	Varies

Effective Cost per Approved Transaction

When comparing providers, consider the effective cost rather than the listed rate. Use this formula:

Effective Cost = (Total Fees Paid) / (Total Approved Transactions)

A provider with a lower listed rate but a 75% approval rate will cost more per successful transaction than a provider with a slightly higher rate and a 92% approval rate. For detailed routing optimization strategies, see Multi-Provider Orchestration.

Local acquirers typically achieve 5—15% higher approval rates for domestic transactions compared to cross-border global gateways. Factor this into your cost-per-approved-transaction calculations.

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Provider Selection Guide

By Geography

Use this table to identify recommended providers for each country based on coverage depth.

Country	Primary Recommendation	Secondary Recommendation	Global Fallback
Brazil	Cielo, Stone, or PagSeguro	Mercado Pago	Adyen or dLocal
Mexico	Conekta or OpenPay	Mercado Pago MX	Adyen or Stripe
Colombia	PayU	Kushki or Mercado Pago CO	Adyen or dLocal
Argentina	Prisma/Decidir	Mercado Pago AR	dLocal
Chile	Kushki	Mercado Pago CL	dLocal or Adyen
Peru	Kushki	Mercado Pago PE	dLocal or Adyen
Ecuador	Kushki	dLocal	Adyen
Multi-country LATAM	dLocal	Mercado Pago	Adyen
US + LATAM	Stripe or Adyen	dLocal (LATAM)	Checkout.com

By Payment Method

Payment Method	Best Provider(s)	Reasoning
Cards (Brazil)	Cielo, Rede, Stone	Highest domestic approval rates, local BIN routing
Cards (Mexico)	Conekta, Adyen	Strong MSI (installment) support, local acquiring
PIX	PagSeguro, Cielo, Adyen	Direct PIX integration, fastest settlement
Boleto	PagSeguro, Cielo, dLocal	Native boleto generation, reconciliation tools
OXXO	Conekta, OpenPay	Native voucher support, widest store network integration
PSE	PayU, Kushki	Direct bank integration in Colombia
Rapipago / Pago Facil	Prisma/Decidir, Mercado Pago	Native cash network integration in Argentina

By Volume Tier

Volume Tier	Monthly Transactions	Recommended Setup
Startup	<1,000	Single global gateway (Stripe or Adyen) for simplicity
Growth	1,000 — 10,000	One global gateway + one local acquirer per primary country
Scale	10,000 — 100,000	Two local acquirers per country + one global fallback
Enterprise	<100,000+	Three providers per major country with smart routing and failover

By Feature Needs

Use Case	Recommended Providers	Key Reason
Marketplace / Split payments	Stripe (Connect), Adyen, Stone	Native split and sub-merchant management
Subscriptions / Recurring	Stripe, Adyen, Mercado Pago	Built-in billing engines, card updater services
Cross-border into LATAM	dLocal, Adyen	Local payment method support without local entity
High-risk / Fraud-sensitive	Adyen, Stripe, Checkout.com	Advanced ML-based fraud tools included
Payouts to sellers/drivers	dLocal, Adyen, Kushki	Multi-country payout rails

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Provider Onboarding

Provider	Typical Onboarding Time	KYC Requirements	Integration Complexity	Sandbox Available
Adyen	2—4 weeks	Full corporate KYC, UBO disclosure, processing history	Medium—High	Yes
Stripe	1—3 days (self-serve)	Automated identity verification, business docs for higher volumes	Low—Medium	Yes
dLocal	2—4 weeks	Corporate KYC, country-specific tax IDs, compliance review	Medium	Yes
Checkout.com	1—3 weeks	Corporate KYC, UBO disclosure, PCI compliance evidence	Medium	Yes
PagSeguro	3—7 days	Brazilian CNPJ, company docs	Low	Yes
Cielo	5—10 days	Brazilian CNPJ, banking details, credit analysis	Medium	Yes
Rede	5—10 days	Brazilian CNPJ, banking details	Medium	Yes
Stone	3—7 days	Brazilian CNPJ, company docs	Low—Medium	Yes
Mercado Pago	1—5 days	Local tax ID, business verification	Low	Yes
Conekta	3—7 days	Mexican RFC, company docs	Low—Medium	Yes
OpenPay	5—10 days	Mexican RFC, banking details	Medium	Yes
PayU	5—15 days	Local tax ID per country, corporate docs, compliance review	Medium	Yes
Kushki	5—10 days	Local tax ID, corporate KYC	Medium	Yes
Prisma/Decidir	5—15 days	Argentine CUIT, corporate docs, credit analysis	Medium—High	Yes

Start sandbox integration in parallel with KYC onboarding. Most providers allow API testing immediately while production credentials are being processed. Configure your Yuno connections with sandbox keys first, then swap to production keys once approved.

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SLA and Reliability

Provider	Uptime SLA	Avg API Response Time	Support Channels	Incident Transparency
Adyen	99.99%	<200ms	24/7 dedicated support, email, portal	Public status page
Stripe	99.99%	<300ms	24/7 email, chat (enterprise: phone)	Public status page, incident reports
dLocal	99.9%	<400ms	Email, dedicated account manager	Private status updates
Checkout.com	99.99%	<250ms	24/7 support, Slack (enterprise), portal	Public status page
PagSeguro	99.9%	<500ms	Email, phone (BR business hours)	Limited public reporting
Cielo	99.9%	<400ms	Phone, email (BR business hours)	Limited public reporting
Rede	99.9%	<400ms	Phone, email (BR business hours)	Limited public reporting
Stone	99.9%	<350ms	Email, phone, dedicated account manager	Limited public reporting
Mercado Pago	99.9%	<500ms	Email, developer forums, phone	Public status page
Conekta	99.9%	<400ms	Email, Slack, developer forums	Public status page
OpenPay	99.5%	<500ms	Email, phone (MX business hours)	Limited public reporting
PayU	99.9%	<500ms	Email, phone, dedicated account manager	Limited public reporting
Kushki	99.9%	<400ms	Email, Slack, dedicated account manager	Public status page
Prisma/Decidir	99.5%	<600ms	Email, phone (AR business hours)	Limited public reporting

Yuno’s orchestration layer adds automatic failover capabilities. When a provider experiences downtime, transactions can be rerouted to a backup provider within milliseconds if you have configured multiple providers for the same payment method and country. See Routing Rules for configuration.

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Combining Providers

Multi-provider setups increase approval rates and provide resilience against downtime. Below are recommended configurations and anti-patterns.

Recommended 2-Provider Setups by Country

Country	Provider A (Primary)	Provider B (Failover)	Rationale
Brazil	Cielo or Stone	Adyen	Local acquirer maximizes domestic approval rates; global gateway handles international cards
Mexico	Conekta	Adyen or Stripe	Conekta for OXXO/SPEI and domestic cards; global gateway for international and wallet payments
Colombia	PayU	Kushki	PayU for PSE and broad method coverage; Kushki as card processing alternative
Argentina	Prisma/Decidir	Mercado Pago	Prisma for card installments; Mercado Pago for wallet and cash methods
Chile	Kushki	dLocal	Kushki for local cards; dLocal for broader method coverage and cross-border
Peru	Kushki	dLocal	Same rationale as Chile

Recommended 3-Provider Setups for High Volume

Country	Primary	Secondary	Tertiary / Fallback	Strategy
Brazil	Cielo	Stone	Adyen	Split domestic card volume between two local acquirers for redundancy; Adyen handles international cards and acts as final fallback
Mexico	Conekta	Mercado Pago	Adyen	Conekta for cards/OXXO, Mercado Pago for wallet users, Adyen for international fallback
Colombia	PayU	Kushki	dLocal	PayU primary for PSE/cards, Kushki for card retries, dLocal for cross-border
Multi-country LATAM	dLocal	Mercado Pago	Adyen	dLocal for broad LATAM coverage, Mercado Pago where available, Adyen as global fallback

Anti-Patterns to Avoid

These configurations lead to suboptimal results and should be avoided.

Anti-Pattern	Why It Fails	Better Approach
Two global gateways only (e.g., Stripe + Adyen for Brazil)	Both process as cross-border, losing 5—15% approval rate vs. local	Add at least one local acquirer per major country
Single provider per country	No failover during outages, zero leverage for rate negotiation	Always configure at least two providers for countries with significant volume
Retrying declined transactions on the same provider	Same decline reason will repeat; wastes API calls and may trigger rate limits	Route retries to a different provider with different acquiring bank relationships
Too many providers (<5 per country)	Splits volume, weakens negotiating position, increases reconciliation complexity	Limit to 2—3 providers per country and optimize routing rules
Ignoring provider-specific BIN routing	Generic routing misses optimization opportunities per card brand/issuer	Configure BIN-level routing rules to match card issuers with their preferred acquirer

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Requesting New Coverage

To request a new country, payment method, or provider connection:

1. Assess requirements

   Identify the country, payment methods, expected monthly volume, and any specific feature needs (installments, recurring, payouts).

2. Check this matrix

   Review the provider catalog above to identify candidate providers that match your requirements.

3. Contact your Yuno account manager

   Provide your requirements and preferred providers. Yuno will assess availability, onboarding timelines, and any provider-specific prerequisites.

4. Begin parallel onboarding

   Start sandbox integration through Yuno while provider KYC is in progress. Configure connections in Dashboard > Connections with sandbox credentials.

5. Go live

   Once production credentials are received, update your Yuno connection settings and configure routing rules to include the new provider.

Yuno continuously expands provider coverage. If a provider you need is not yet available through Yuno’s orchestration layer, request it through your account manager. Custom integrations for high-priority providers are typically completed within 4—8 weeks.