Méthodes de paiement locales
Cardflo permet aux marchands d'accepter les méthodes de paiement locales, cruciales pour l'expansion mondiale. En offrant des options de paiement familières à vos clients internationaux, vous pouvez améliorer considérablement les taux de conversion et renforcer la confiance.
Notre plateforme donne accès à une suite complète de solutions de paiement régionales.
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L'aperçu
Local payment methods (LPMs), often referred to as alternative payment methods (APMs), encompass any transaction type that does not utilise a global card scheme such as Visa or Mastercard. These include domestic card schemes, digital wallets, bank transfers, buy-now-pay-later (BNPL) services, and cash-based vouchers.
Within the payments stack, LPMs are typically integrated via a gateway or a payment service provider (PSP) that manages the diverse technical specifications and settlement cycles inherent to regional infrastructures. For merchants targeting international markets, localising the checkout experience is a structural requirement.
Customers in various jurisdictions often prefer domestic systems, such as iDEAL in the Netherlands or Pix in Brazil, over traditional credit cards.
Efficiently managing these methods requires robust handling of local currency settlement, regional compliance rules, and specific refund behaviours unique to each system's underlying rails.
Comment ça marche
Method Selection and Configuration
The merchant identifies target regions and selects relevant payment methods through their PSP or gateway. This involves enabling specific providers within the payment orchestration layer to ensure the checkout displays appropriate options based on the customer's geographic location, determined by IP address or shipping details.
Redirection and Authorisation
When a customer selects a local method, the gateway initiates a request to the specific provider. In many cases, this involves a redirect to the provider's own interface, such as a banking portal or wallet app, where the user authorises the transfer using their credentials.
Asynchronous Status Updates
Unlike standard card authorisations that are often near-instantaneous, many local methods operate asynchronously. The payment system listens for a webhook or server-to-server notification from the local provider to confirm that the funds have been successfully pushed or transferred from the payer's account.
Reconciliation and Settlement
Once confirmed, the transaction enters the settlement phase. The PSP collects funds from the various local schemes, converts them to the merchant's base currency if necessary, and aggregates them for payout.
This process accounts for varying settlement windows, which can range from real-time to several days.
Pourquoi c'est important
Conversion and Consumer Trust
Offering familiar payment options directly influences checkout completion rates. In many territories, consumers lack access to international credit cards or maintain a cultural preference for bank-led transfers and digital wallets.
Restricting payment options to global card schemes can result in high abandonment rates. By integrating local methods, merchants signal legitimacy and respect for regional consumer behaviour, which facilitates higher successful authorisation rates and reduces friction during the final stages of the purchasing journey.
Cost Optimisation and Regulation
Processing transactions via domestic rails often incurs lower fees than international card processing, which is subject to high cross-border interchange and scheme fees. Furthermore, certain regions have strict regulatory frameworks, such as PSD2 in Europe, that favour specific authentication flows.
Utilising local methods can help merchants navigate these requirements more effectively, minimising the risk of refusal due to non-compliance with regional security standards like Strong Customer Authentication (SCA).
Cas d'usage
European E-commerce Expansion
Merchants entering the German or Dutch markets utilise Giropay or iDEAL to capture the significant segment of the population that prefers direct bank transfers over traditional credit card usage.
Latin American Market Entry
Retailers targeting Brazil implement Pix and Boleto Bancário to reach consumers who may not have a credit card or who prefer cash-based payment vouchers for online transactions.
Asian Mobile Wallet Growth
Companies scaling in Southeast Asia integrate digital wallets like Alipay or WeChat Pay to cater to mobile-first populations where credit card penetration remains lower than wallet adoption.
Global Subscription Services
SaaS providers use local direct debit schemes, such as SEPA in the Eurozone, to manage recurring billing with lower churn compared to expires or lost cards.
En chiffres
Industry data indicates this range for the share of online transactions conducted via local methods in several major European and Asian markets, highlighting the shift away from global cards.
Merchants often observe this level of increase in checkout conversion when introducing the primary local payment method in a new geographic territory, according to broader industry benchmarks.
Processing via domestic bank rails can reduce the total cost of acceptance by this margin compared to international credit card transactions subject to high cross-border fees.
Termes associés
Talk to our team about a live rollout on your acquiring stack.
What you get with Méthodes de paiement locales
- Couverture étendue des méthodes de paiement locales dans toutes les régions
- Augmentation de la confiance des clients et de la conversion sur les marchés locaux
- Intégration transparente dans les flux de paiement
- Réduction des frais de transaction transfrontaliers
- Conformité aux réglementations locales en matière de paiement
- Capacités de conversion de devises en temps réel
- Support for local currency settlement to minimise merchant exposure to foreign exchange volatility.
- Compliance management for regional security protocols and mandatory authentication requirements.
- Unified API access to multiple regional providers through a single integration point.
- Reduced reliance on international card schemes to optimise transaction processing costs.
A short scoping call, then a written plan for your MIDs.
Questions about Méthodes de paiement locales
Qu'est-ce qui définit une « méthode de paiement locale » ?
Une méthode de paiement locale est une option de paiement populaire ou spécifique à un pays ou à une région donnée.
Les exemples incluent les virements bancaires locaux, les portefeuilles numériques spécifiques ou les systèmes de cartes régionaux qui ne sont pas prédominants à l'échelle mondiale mais largement utilisés localement.
Comment les méthodes de paiement locales bénéficient-elles aux ventes internationales ?
Offrir des méthodes de paiement locales est essentiel pour les ventes internationales.
Cela élimine les frictions pour les clients en leur permettant de payer en utilisant leurs méthodes préférées et fiables, ce qui entraîne directement des taux de conversion plus élevés et une réduction de l'abandon sur les marchés étrangers.
Cardflo peut-il m'aider à identifier les méthodes de paiement locales pertinentes ?
Oui, Cardflo fournit des informations sur la popularité des méthodes de paiement par région.
Nous pouvons vous aider à identifier et intégrer les méthodes de paiement locales les plus pertinentes pour vos marchés cibles, garantissant que votre stratégie de paiement s'aligne sur les préférences des clients et les tendances du marché.
How does offering local payment methods assist with regulatory compliance in different jurisdictions?
Local methods are often built to be inherently compliant with regional laws. In the European Economic Area, many local bank-based methods are designed around PSD2 requirements, including native support for Strong Customer Authentication (SCA).
By using these methods, merchants can often bypass the complexities of 3D Secure implementation required for cards. Furthermore, domestic schemes are frequently regulated by local central banks, ensuring that the transaction flow adheres to specific national financial conduct and data privacy standards.
Can I settle funds in my home currency when using international local payment methods?
Yes, most global PSPs offer multi-currency settlement. If a customer pays in Brazilian Real via Pix, the processor can perform the currency conversion and deposit the proceeds in British Pounds or Euros into the merchant's account.
It is important to review the FX rates and conversion fees applied during this process, as these costs can vary. Some merchants prefer to maintain local currency accounts to avoid frequent conversion and to manage their own FX hedging strategies.
What is the role of a Merchant Category Code (MCC) when processing via local schemes?
While MCCs are primarily a card scheme construct used to categorise business types for risk and interchange purposes, many local payment providers also use similar classification systems.
The MCC can still influence how a transaction is treated by the underlying local bank or wallet, particularly regarding high-risk sectors or restricted goods.
Correct MCC alignment ensures that transactions are not blocked by the local provider's internal risk filters and that the merchant remains compliant with the provider's terms of service.
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