In this guide we compare the best payment gateways in Chile and analyze their costs, integration and available payment methods to help you make an informed decision.
Choosing the right payment gateway is not just a technical decision: it is a business decision. For companies that sell services online, having a solution that automates collections and improves conversion rates can make the difference between growth and stagnation.
In this guide we compare the best payment gateways in Chile and analyze their costs, integration and available payment methods to help you make an informed decision. Check them out below:
Rebill
Flow.cl
Webpay Plus
Mercado Pago
Pago Fácil
Payku
PayU
PayPal
Kushki
Khipu
What is a payment gateway?
A payment gateway is a system that allows secure online payment processing. Its function is to connect the buyer with the merchant and validate the transaction between the two, either by bank card, transfer or any other digital payment method. They are widely used in e-commerce.
Top 10 payment gateways in Chile
1. Rebill
Rebill is a payment platform designed for companies with large-scale operations, both in Chile and in other Latin American markets. It is especially designed for companies that handle a high volume of transactions, in sectors such as SaaS, EdTech, HealthTech and eCommerce.
Its proposal stands out for offering a customizable checkout, driven by intelligent rules that increase conversion by up to 35%. It also improves payment approval rates by up to 20%, above the international average, and has a collection logic that helps recover up to 71% of rejected payments.
With a presence in the main countries of the region, Rebill is positioned as a scalable, reliable solution for businesses seeking efficiency and sustained growth.
In terms of security, it complies with PCI DSS level 1 certification, which guarantees the highest standard in financial data protection.
Credit cards (Visa, Mastercard, Amex, etc.)
Tarjetas de débito
International cards
Bank transfers
Cash payments
Installment Payments
Rebill enables rapid implementation thanks to its robust API, flexible SDK and low-code options. In just one hour, companies can activate the system and start processing payments.
With only 5 lines of code it is possible to integrate the checkout in your platform, enabling all payment methods.
In addition, it offers seamless connection with systems such as CRMs, ERPs or collection tools through Make.com. It also includes webhooks, which allow you to automate real-time notifications to your internal systems.
For foreign companies operating in Chile, commissions start at 3.50% + 50 Chilean pesos per credit card transaction, plus an additional charge for currency conversion. And for Chilean companies, the fee is 2.80% + 50 Chilean pesos + VAT.
Unlike other providers, this platform does not charge extra for features such as subscription management.
The exchange rates used and conversion rates are fully transparent at Rebill: they can be consulted from their website in the rates section, which also includes an online calculator to estimate the net revenue per transaction.
Flow (flow.cl)
Flow is one of the most versatile Chilean payment gateways, ideal for e-commerce companies. It accepts multiple payment methods and allows simple integrations for online stores.
Credit cards
Tarjetas de débito
Prepaid cards
Electronic wallet
Cash payment by ServiPag
Bank transfers via Khipu
It has multiple integration options to suit different types of businesses. From out-of-the-box plugins for platforms such as WooCommerce, Jumpseller and Shopify, to a REST API that allows for a more customized and flexible integration for custom solutions.
Flow Chile offers fees starting at 2.89% + VAT per credit and debit card transaction, with no monthly fixed costs, and a 3 business day crediting time. If payment is required on the next business day, then the fee is 3.19% + VAT.
Webpay Plus
Webpay Plus is the payment gateway operated by Transbank in Chile, designed to allow physical and online merchants to receive payments with different methods. It is one of the most widely used solutions in the country.
Credit and debit cards with and without installments (Visa, Mastercard)
Prepaid
Redcompra
Onepay
Digital wallets associated with Transbank
Webpay Plus provides APIs, SDKs and plugins that fit both custom developments and online stores already set up on platforms such as WooCommerce, Magento or PrestaShop. It also allows you to connect your physical terminals with face-to-face sales systems.
The cost of operating with Webpay Plus depends on the type of business, the sales channel and the characteristics of each transaction.
On the one hand, a fixed monthly charge may apply for the rental of on-site devices, such as mobile or fixed POS (except if you purchase Mobile POS equipment).
On the other hand, each sale generates a commission composed of a variable fee -which includes the interchange fee and the branding costs of the cards- and a fixed fee that remunerates Transbank's service (from 0.001784 UF per transaction).
4. Mercado Pago
MercadoPago, part of MercadoLibre, is a robust option for those who sell on social networks, marketplaces or their own sites.
Credit cards
Tarjetas de débito
Bank transfers
Interest-bearing installments
Balance in MercadoPago account
Mercado Pago offers different forms of integration, from payment links and buttons that do not require programming, to more advanced options such as Checkout API to customize the entire process. It also has plugins for ecommerce, SDKs and pre-designed modules that easily adapt to your website.
The fee for instant crediting is 3.19% + VAT per transaction, valid for all payment methods.
5. Easy Payment
Pago Fácil is a Chilean platform designed for SMEs and companies looking for a simple option to accept payments.
Webpay Plus
Credit and debit cards
Prepaid cards
Bank transfers
Cash
Pago Fácil allows you to integrate your payment gateway through Plug & Play options with platforms such as Shopify, Bsale, Jumpseller and WooCommerce. You can also connect through its API. In addition, it offers features such as payment buttons and links, ideal for selling through social networks or without the need for a website.
For micro and small companies, Pago Fácil charges a commission of 2.95% + VAT per transaction, with no fixed costs or transaction limit. This plan applies to legal entities with annual sales of up to 25,000 UF. For medium and large companies, the fees are personalized and are defined together with a commercial executive.
6. Payku
Payku is a Chilean fintech that offers a simple platform to implement digital collections.
These are the payment methods offered by Payku:
Debit cards (Redcompra, Visa and MasterCard)
Credit cards (Mastercard, Visa, American Express, Magna and Diners)
Bank transfers
Cash
Payku offers ready-to-install plugins for popular shopping carts such as WooCommerce, PrestaShop and OpenCart, allowing you to activate the payment gateway in a matter of minutes.
Payku's commissions for card transactions is 2.99% + VAT, with the money credited the next business day. For the rest of the payment methods vary between 1.99% + VAT and 2.99% + VAT.
7. PayU
Although its presence is strongest in Peru, Ecuador and other LATAM countries, PayU also operates in Chile. It is ideal for companies that require a multi-currency system.
Learn about the payment methods that PayU has available in Chile:
Credit/debit cards
Bank transfers
Cash payments
For integration, PayU offers everything from out-of-the-box options such as WebCheckout, to more advanced solutions via API or SDK, ideal for those looking for a customized payment experience within their website.
PayU fees vary by country, payment method and transaction volume. On average, the cost per processed sale is around 3.49% per transaction.
8. PayPal
PayPal is still one of the best known options globally, although its presence in Chile is smaller. It can be useful for international payments or customers who already have an account on the platform.
The payment methods offered by PayPal are:
Credit cards
PayPal Balance
Linked bank account
PayPal Checkout works with payment buttons and APIs to easily integrate with your eCommerce, allowing you to receive payments quickly, securely and seamlessly for your customers.
In Chile, PayPal fees for receiving payments vary according to the total amount of sales in the previous month. For example, if your business receives between USD 0.01 and 3,000.00, a fee of 5.40% + a fixed commission applies. The higher the amount of sales, the lower the fee to be paid.
9. Kushki
Kushki offers online payment solutions for businesses in Latin America, including Chile. It was founded in 2016 with the goal of connecting the region through digital payments.
The payment methods available with Kushki are:
Credit and debit cards (Visa and MasterCard)
Transfer
Cash payments
It offers flexible integrations through APIs and plugins for e-commerce platforms, facilitating the implementation of its services in various digital environments.
Kushki's rates are not disclosed on their website; however, they inform that in addition to a transaction fee, they apply monthly billing minimums, which are defined according to the volume of your business. For specific details, it is necessary to contact their sales team.
10. Khipu
Khipu is a Chilean payment gateway that allows direct bank transfers as an online payment method, without the need to enter data manually.
Simplified bank transfers from various Chilean banks.
Payments through digital wallets and prepaid accounts.
On-site payments with QR code.
Khipu has plugins for platforms such as WooCommerce, Shopify and Prestashop, as well as APIs that allow custom integrations with websites, mobile apps or internal systems. It also has tools such as payment links and payment buttons that can be shared via WhatsApp, email or social networks, making it easy to adopt without the need for advanced technical knowledge.
Khipu charges a commission of 0.69% + VAT on the amount collected for instant payments through bank transfers, with additional discounts for volume of transactions.
For businesses that prefer a fixed rate, there is the option of paying UF 0.0105 + VAT per transaction.
In the case of automatic payments or subscriptions, fees vary from UF 0.0056 + VAT per transaction, depending on the type of agreement selected.
What to consider when choosing a payment gateway in Chile?
When integrating a payment processing platform, it's important to look beyond price. Here are some key variables you should consider depending on the size and needs of your business:
Available payment methods
Look for a platform that allows you to receive payments with various payment methods. The more payment options you offer, the smoother the purchase process will be for your customers and therefore, the more your business will grow.
Ease of integration
Choose a payment gateway that makes implementation easy, either through out-of-the-box plugins, low-code integrations or a well-documented API. Some platforms, such as Rebill, also offer native connectors with systems such as ERP, CRM or ecommerce, which simplifies data synchronization.
Local and regional support
If your company operates in several Latin American countries or has expansion plans, it is advisable to choose a platform with regional presence and support in Spanish to resolve questions quickly.
Extra functionalities
Explore whether they offer tools such as subscriptions, recurring payments, automatic reconciliation, webhook notifications, rejected payment recovery logic or checkout customization. These features can improve efficiency and increase conversions.
Improved conversion rate and payment approvals
A good payment gateway not only charges: it also optimizes. Choosing a solution that offers agile payment flows and adapts to user behavior can increase the conversion rate.
In the case of Rebill, this improvement can be as much as 35%. While the approval rate could increase by up to 20%, this translates into more completed sales.
Scalability
If your business is growing, make sure that the gateway you choose can accompany you to new markets or support a higher volume of transactions without problems.
---
Conclusion
In a competitive market like the Chilean one, having a gateway that optimizes your collection is key.
After learning about these 10 alternatives, Rebill is positioned as a solution designed for companies with high volume operations seeking to grow in Chile and Latin America, without technical friction or loss in the payment experience.
If your operation requires a tool that evolves with your business, we are your best ally.
Contact us and find out how we can help you scale your business sales.
----------------------
Disclaimer This content is for informational purposes only and was prepared based on public information available on the official sites of each payment gateway in Chile, at the time of writing (April 2025). Rates, conditions and functionalities may change without prior notice, so it is recommended to consult directly with each provider to obtain updated information.
.avif)