International payment gateways in Latin America: how to choose the best option

Latin America is a region with enormous potential for growth through digital payments, but it's also one of the most fragmented and complex environments in which to operate. Each country has its own regulations, currencies, consumer habits, and local payment methods.

In this scenario, many companies end up integrating a separate international payment gateway for each country, which entails high costs, technical complexity, and operational friction.

For example, a company selling in Argentina, Chile, Mexico, Colombia, and Peru must adapt to systems like Mercado Pago in Argentina, PIX in Brazil, PSE, and Yape, in addition to complying with tax regulations and managing local bank accounts. This not only slows scalability but also complicates financial reconciliation and impacts cash flow.

The good news is that today there are solutions that allow you to operate customer payments throughout the region through a single integration, without the need to create local entities and with access to native payment methods in each market.

In this guide, we provide an overview of international payment gateways in Latin America, with links to our detailed country-by-country guides, and present an alternative for centralizing your collection operations throughout the region.

One such solution is Rebill , an online payment infrastructure designed for Latin America that enables global businesses to process online payments in major markets from a single account with unified reconciliation. It also features a robust platform for recurring payments and subscriptions.

Best international payment gateways in Latin America

Each country in Latin America has its own digital payment ecosystem, with platforms that dominate the market and adapt to consumer preferences, tax regulations, and payment methods such as SPEI, PIX, or PSE.

In this section we leave you our guides by country so that you know which are the best payment gateways in Latam. Click on the links of the market of your interest.

Argentina: Adapting to a Challenging Economic Environment

Argentina requires solutions that adequately manage the country's economic particularities. Among the most used options we have:

• Rebill, already active for international companies operating in Argentina and soon available for Argentinean companies. Be part of the exclusive group that will test before anyone else the most advanced infrastructure to collect online and manage subscriptions intelligently.
• Mercado Pago  
• Mobbex
• Ualá Bis
• NPS

➡️ Payment gateways in Argentina : 8 payment options for a complex market.

Chile: Consolidated market with specialized options

Chile has a mature and rapidly digitalizing ecosystem, including:

• Webpay Plus (Transbank)
• Khipu
• Easy Payment (BCI Group)
• Rebill

➡️ Payment gateways in ChilePayment gateways in Chile: Alternatives for different business models.

Mexico: Expanding digital payments ecosystem

Mexico has a mature market that combines international and local solutions. Some of the country's payment gateways include:

• Rebill: It's the only platform designed for Latin America, solving several of the problems faced by other payment solutions. It allows you to centralize payments with a single integration, accessing local payment methods without the need to create local entities. Its automatic retry system and unified financial reconciliation improve conversion and reduce operational burden. 
• Openpay : Offers full coverage of local methods including SPEI and convenience stores.
• Conekta : Specialized in conversion optimization for Mexican commerce
• Stripe : International option with good adaptation to the local market
• Mercado Pago : Strong in the SME segment and with wide adoption
• PayU: Customized solutions for different types of businesses, analysis and reporting tools.
• Paypal

➡️ There's more; learn more in our article: the best payment gateways in Mexico . 

Colombia: Innovation in digital payments

Colombia presents a dynamic ecosystem with options such as:

• Wompi: Bancolombia Group's solution with widespread adoption
• PayU: Regional platform with a strong local presence
• ePayco: Focused on facilitating payments for small businesses
• PlaceToPay: Specialized in regulated sectors
• Mercado Pago: Widespread adoption thanks to its integration with Mercado Libre.
• Rebill: Designed for global companies, both with operations in Colombia and international companies looking to expand in the country. Ideal for sectors such as SaaS, EdTech, HealthTech, and eCommerce.

➡️ Check out the best payment gateway options in Colombia . 

Peru: A rapidly digitalizing market

Peru shows accelerated growth in the adoption of digital payments with:

• Rebill
• Niubiz (formerly VisaNet) 
• Culqi 
• Izipay

➡️ Payment gateways in Peru : Learn about rates and specifics. 

Brazil: The Latin American e-commerce giant

Brazil represents the largest market in the region with specialized solutions such as:

• Mercado Pago
• PagSeguro
• Pay.me
• Darling
• Rebill

What should a good payment gateway in Latin America offer?

Before choosing a payment platform for your Latin American operations, analyze what different payment gateway providers offer and make sure they meet these key requirements to optimize the payment experience and increase your transactions in the region. 

1. Wide coverage of local payment methods

The best payment gateways in the region should offer multiple payment methods: 

• International credit cards and debit cards 
• Local bank transfers 
• Cash payments 
• Local digital wallets 
• Instant Payments 
• Options for international payments

2. Advanced technological capabilities

In addition to various forms of payment, you must have:

• Robust and well-documented API for custom integrations
• Plugins for major e-commerce platforms (Shopify, WooCommerce)
• Customizable checkout with your brand and optimized for mobile
• Flexible payment links 
• Anti-fraud systems adapted to regional patterns
• Real-time analytics to monitor conversions
• Customizable notification system via email, SMS and WhatsApp 

3. Unified financial management

To optimize the payment process and financial operations:

• Unified reconciliation for all countries
• Efficient management of refunds and disputes
• Support for recurring subscription models
• Retention capacity with automatic retries
• Validation and optimization of rejected transactions

4. Localized user experience

To maximize conversion:

• Payment pages in local language
• Prices in local currency without dynamic conversion
• Shopping experience tailored to regional preferences
• Personalized transactional messages
• Support via chat, email and WhatsApp

5. Competitive commissions

When selecting a payment gateway, it's essential to evaluate the fees charged based on the customer's chosen payment method. Typically, these platforms charge a flat fee—less than $1 per transaction—and a percentage of the total transaction amount, which for credit and debit cards typically ranges between 3.5% and 6%.

Finally, while security measures are an implicit requirement for all electronic payment platforms, make sure the one you choose allows you to operate securely and has certifications such as PCI DSS. In Rebill's case, we have Level 1, the highest level of this certification.

Simplifying payments in Latin America

Scaling in Latin America represents a huge opportunity for companies of all sizes, but it requires a payment strategy tailored to the regional reality.

The choice between managing multiple local integrations or adopting a unified solution like Rebill will depend on your business objectives, available resources, and priority markets.

The truth is that having a flexible payments infrastructure that combines technical robustness with local adaptation can make the difference between successful expansion and a frustrating experience for your customers.

With Rebill, you can unify your collection operations across the region without having to open legal entities, maintaining local adaptability and providing the flexibility that both startups and large enterprises demand.

Contact us today and transform the way you process payments in Latin America.