In Peru, there is a wide variety of payment solutions that adapt to different business models, from startups to large companies. In this article, we focus on payment gateways: how they work, what types exist and what are the 12 best options currently available in the country.
Rebill
Mercado Pago
OpenPay
PayU
Flow Payments
Pay-me
PayPal
D-local
Ebanx
Nuvei
Niubiz
Culqi
What is a payment gateway?
A payment gateway is a system that allows merchants to receive payments securely through electronic means. In other words, it is the "bridge" that connects your online store with the financial system so you can get paid for your products or services without complications.
How does a payment gateway work?
The operation of a payment gateway can be summarized in three steps:
Data capture: The customer chooses a payment method and provides their details (such as credit or debit card details, for example).
Verification and authorization: The payment gateway transmits that information to the issuing bank or payment provider to validate that the funds are available.
Confirmation: If the transaction is authorized, the money is transferred to your merchant and the customer receives the payment confirmation.
All this process is protected by security protocols such as the recognized PCI DSS certification.
Types of payment gateways
Depending on the type of business and sales channel, there are different types of payment gateways you can consider:
Multichannel payment gateways
These are platforms that allow you to collect payment online, at physical points and through social networks, integrating all channels in a single solution. They are ideal for hybrid businesses (online and in-person).
Digital payment gateways
They are specifically designed for e-commerce, mobile apps and marketplaces. They offer payment links, personalized checkout and tools to automate payments.
International payment gateways
They are the most suitable if you sell to other countries, as they allow you to charge in different currencies and accept global payment methods such as Rebill.
What is the best payment gateway for your business in Peru?
Below is a selection of the top 12 payment gateways in Peru. For each one, we include key information on accepted payment methods, support, integration and fees.
1. Rebill
Rebill is a payment platform designed for companies with high transactional volume, especially those operating in sectors such as SaaS, EdTech, HealthTech and eCommerce.
Not only does it allow payments to be processed in Peru, but it also facilitates regional expansion in Latin America, thanks to its presence in the 7 main markets in the region. This eliminates the need to integrate a separate payment gateway for each country, simplifying the operation and accelerating growth.
It offers a highly customizable checkout, driven by intelligent rules that increase payment conversion by up to 35%, adapting to the digital habits of the Peruvian market.
It also improves theapproval rate by 20% above the global average and, thanks to its advanced collection logic, allows you to recover up to 71% of rejected payments, reducing your business losses.
Rebill is PCI DSS level 1 certified, the highest standard in financial data security.
Learn more about its key points.
Credit and debit cards
Digital wallets
Bank transfers
Cash payments
Installment Payments
These are the payment methods that Rebill facilitates in Peru.
Support in Spanish and personalized attention 24/7, with a team that understands the particularities of the Peruvian market.
They provide technical support in the integration with e-commerce platforms, payment management, recurring collections and any aspect related to the use of your technology.
Its entire process is supported by documentation available on its website.
Integration with Rebill is quick and easy. It can be completed in less than an hour and does not require extensive technical resources.
It offers a robust and well-documented API for development teams looking for a customized solution, as well as an SDK compatible with multiple technology environments.
It also has low-code options, which allow all payment methods to be incorporated into an embedded checkout with only five lines of code, maintaining a unified brand experience.
In addition, it connects easily with widely used systems in Peru, such as CRMs, ERPs, marketing platforms and automation tools such as Make.com.
It has webhooks to automate real-time notifications, such as those related to a successful transaction, among others.
For foreign companies operating in Peru through Rebill, fees start at 4.5% + 0.10 USD per transaction + a currency conversion fee for credit card payments.
In the case of Peruvian companies, the cost per credit card transaction is 4.30% + S/. 0.20 + IGV and 4.00% + S/. 0.20 + IGV for debit cards.
One point in Rebill's favor is that it includes services such as subscription management, among other payment options, at no additional cost.
Learn more on their pricing page and use their online calculator to find out the exchange rate they apply and how much you get for each transaction.
2. Mercado Pago
Mercado Pago is part of the Mercado Libre ecosystem and allows you to pay online with multiple payment methods.
Among the Mercado Pago payment methods, we have:
Credit and debit cards (American Express, VIsa, Diners Club)
Payment in cash
Digital wallet
Transfers with money in account
It has an online help center and a documentation center for developers.
Mercado Pago facilitates the integration of your payment system through ready-to-use plugins in the main e-commerce platforms.
You can add it to your online store and start charging quickly. It is available in multiple solutions such as Shopify, WooCommerce and others, allowing an agile incorporation without the need for complex developments.
For businesses that require a more customized experience, it also offers pre-designed modules through its Checkout API.
Mercado Pago fees in Peru vary according to the term in which the merchant chooses to dispose of the money.
If you choose to receive the funds instantly, the commission is 3.49% + S/1.00 per transaction + IGV. On the other hand, if you prefer to receive the money in 14 business days, the fee decreases to 3.29% + S/1.00 + IGV.
They only charge the commission when the payment has been effectively credited.
3. OpenPay (BBVA)
OpenPay combines technology with the support of BBVA, offering online, physical and link payments. Its strengths are security and ease of integration.
Credit or debit cards
Digital wallets
Cash payments at authorized agents
It has complete technical documentation and business support through its website.
OpenPay Peru is integrated through APIs, SDKs and plugins ready for e-commerce platforms.
It also has Webhooks to send notifications of transactions made.
If the business has a BBVA account, OpenPay Peru's commission is 3.49% + General Sales Tax (IGV) per transaction with local cards.
In the case of foreign cards, the rate is 3.99% + IGV.
For those who operate with accounts in other banks, the commission amounts to 3.79% + S/1 + IGV.
In addition, alternative payments -such as cash payments or transfers- have the same fees depending on the type of account.
4. PayU
Platform with global presence, works to sell both in Peru and other countries. It provides reconciliation tools and advanced analytics.
Credit and debit cards
Cash
Bank transfers
Chat, mail and documentation on its website.
Integrates with plugins, APIs or embedded checkout.
PayU offers 2 types of plans: one for companies that sell less than 75,000 soles per month and another for those who sell more than 75,000 soles. However, to find out the commission per sale, you should contact your team.
If you do not make sales in PayU for 8 months or more, and more than 12 months have passed since your registration, they charge a monthly fee of $110 + IGV.
From the fourth withdrawal onwards, PayU applies an additional cost.
5. Flow Payments
Flow Pagos offers payment solutions for online sales with extensive local coverage in Peru.
Local and foreign cards
Digital wallets
Payment in cash
Single installments
It has a contact form and technical documentation.
API and plugins for e-commerce.
3.50% + General Sales Tax (IGV): With card payments and Yape.
3.90% + IGV: With PagoEfectivo.
For each transaction, an additional 0.80 soles + IGV is added to all rates.
6. Pay-me
Pay-me's proposal focuses on offering a multiplatform solution to facilitate payments in both web and mobile environments.
These are the payment methods accepted by Pay-me Peru:
Visa and Mastercard debit and credit cards
Bank transfers
They provide customer service via telephone and e-mail.
CMS plugins for integration with platforms such as PrestaShop, Magento and WordPress
Embedded API
Mobile libraries: SDKs available for Android and Apple
Pay-me Inbox: Tool to sell and charge through social networks and messaging apps.
Pay-me offers an interactive calculator on its website, which allows you to estimate the applicable commission based on the sales volume of your business.
An example for a sales volume of S/. 200,000, the commission is 3.44% + S/. 0.50 + IGV.
7. PayPal
It is one of the most popular payment gateways worldwide, although its fees can be higher than average.
Foreign cards
PayPal Balance
Debit and credit cards
Help center, community forum, and message support.
Standard checkout, payment buttons and advanced API.
Paypal's fee is 5.4% + a flat fee per international transaction.
8. D-local
D-local is a platform specialized in cross-border payments. It allows international companies to collect in Peru with local payment methods.
Local and international cards
Cash payments
Bank transfers
D-local offers customized consulting services for medium and large companies.
API for mass payments and collections
Checkout hosted.
In D-local, the rates for receiving payments in Peru are as follows:
Cards: 2.99% per transaction.
Cash: USD 0.99 + 2.99% per transaction.
Bank transfer: 2.99% per transaction.
It is important to note that these rates do not include local taxes, which in Peru are 18%.
9. EBANX
Ebanx, designed for global companies that want to operate in Latin America, facilitates payment in soles and offers multi-currency reconciliation.
Debit/credit cards
Cash payments
Bank transfers.
Digital wallets
Personalized attention and service to B2B customers.
APIs, plugins, and customized solutions for large enterprises.
Ebanx's rates are not published on its website, they are customized according to the business model and country.
10. Nuvei
Nuvei is an uncommon gateway for local SMEs, but widely used by high-volume companies in sectors such as travel, video games or international e-commerce.
Credit and debit cards
Digital wallets
Bank transfers
Cash payments
They have a dedicated team for enterprise customers, a customer service team and a channel called "the CEO's office" for other concerns.
RESTful API
Preconfigured plugins that support platforms such as Shopify and WooCommerce.
Mobile SDKs, compatible with Android and iOS for payments on mobile devices.
Nuvei's commissions are not public, they are adjusted according to risk and volume of business.
11. Niubiz
Formerly known as Visanet, it is one of the most traditional gateways in Peru. It provides both face-to-face and digital solutions with a strong presence in large retailers.
Cards
Digital wallets
Installment Payments
Bank transfers
It has telephone technical assistance and account executives.
Plugins, web checkout and customized solutions.
Niubiz applies differentiated rates according to the type of merchant and the method of payment (credit, debit or foreign card).
For example, items such as gas stations may pay commissions from 1.43% in debit cards up to 3.98% in foreign cards, while sectors such as tourism and restaurants may pay up to 4.45% in its maximum scenario. It should be taken into account that the IGV (Value Added Tax) is added.
Fees may be established by card type or on a unified basis, and are subject to adjustment according to the merchant's risk profile and commercial conditions agreed upon in the affiliation.
12. Culqi
Developed in Peru, Culqi is a modern gateway, focused on startups and digital businesses. It offers tools to customize the payment flow and generate links, QR payments and more.
Cards
Digital wallets
Bank transfers
Cash payments
They offer mail support, technical community and developer resources.
API, embedded checkout, plugins for WooCommerce, Shopify and more.
In the case of Culqi, fees vary according to the type of card or wallet used.
For sales made with national cards or digital wallets such as Yape and Plin, the rate is 3.44% + IGV.
In the case of international cards, the commission applied is 3.99% + IGV.
Key points when choosing a payment gateway in Peru
Before integrating any payment gateway into your business, here are some of the most important points to consider:
Compatible payment methods: Make sure the gateway accepts the payment methods your customers use most frequently: debit and credit cards, Yape, PagoEfectivo, transfers, etc. The more options you offer, the less friction there will be in the payment process.
Ease of integration: A simple and well-documented integration can speed up implementation times, reduce the need for ongoing technical support and reduce operational risks in the collection flow. Rebill has low-code integration or integration through APIs or SDKs. In addition, it offers Webhooks.
Security and compliance: Verify that the platform is certified with standards such as PCI DSS and that it has robust anti-fraud measures. The trust of your customers is key to closing sales.
Scalability: Think ahead: will this gateway allow you to grow and sell in other countries or channels (such as mobile apps or subscriptions)? Some, such as Rebill or D-local, are designed for businesses that evolve rapidly.
Approval rate: Platforms designed for the local context tend to process payments more efficiently, as they better understand consumption patterns and the particularities of the financial system. Rebill, for example, improves payment approval rates by up to 20% over the global average.
Conclusion
Choosing the right payment gateway in Peru is not just about processing collections, it's about building an efficient, locally optimized payment experience that scales with your business.
With Rebill, EdTech, SaaS, HealthTech or eCommerce companies can automate their recurring collections, improve their conversion rates and focus on growing.
If your company operates in Peru and you are ready to optimize your payment strategy, contact us and find out how we can help you.
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Disclaimer
This information is referential and may change without prior notice. The rates, settlement times and integrations mentioned in this article correspond to those published by each provider on their official channels in April 2025. For exact and updated data, it is recommended to consult directly with each payment gateway.
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