拉丁美洲 的支付方案
Cardflo 在拉丁美洲、巴西、墨西哥、哥倫比亞、智利、阿根廷提供本地收單服務，並支援本地 APM 和分期付款。
貨幣
BRL · MXN · COP · CLP · ARS · USD
本地支付方式
Pix, Boleto, OXXO, SPEI, Mercado Pago, PSE
收單
拉丁美洲本地收單至關重要：跨境卡的核准率比本地卡低 20-40%。Cardflo 根據發卡國家將交易路由至巴西、墨西哥、哥倫比亞、智利的本地 MIDs。
法規
每個國家都有自己的框架，例如巴西中央銀行 (Pix)、墨西哥 CNBV、哥倫比亞 SFC、阿根廷 BCRA。分期付款 (parcelado) 在商業上至關重要，需要本地收單機構。
Market context
Latin America's payments market processes over $1 trillion in card and account-to-account volume annually, with Brazil alone accounting for roughly half. Pix, launched by the Banco Central do Brasil in November 2020, now exceeds 5 billion transactions per month and is the dominant payment rail for sub-R$500 baskets. Mexico's SPEI handles over 4 billion transactions per year. Cash-out vouchers (Boleto, OXXO) still account for 15 to 25% of ecommerce in many segments despite the wallet shift.
Scheme mix
Brazil is dominated by Elo (the domestic scheme) plus Visa and Mastercard. Mexico is roughly 55% Visa, 40% Mastercard with Carnet on top for some debit. Argentina has Cabal and Naranja alongside the global networks, with installment (cuotas) volume often routed exclusively through Mastercard or Visa programmes. Domestic scheme routing is essential for cost on cross-issuer Brazilian volume.
Interchange & fees
Brazilian debit interchange is capped at 0.5% under Central Bank rules, with credit averaging around 1.5%. Installment (parcelado) acquiring carries an additional MDR (Merchant Discount Rate) that scales with installment count, typically 1.5 to 3.5% on top of base interchange. Cross-border interchange on LATAM-issued cards is multiples of domestic, which is why local MIDs are non-negotiable for sustainable margins.
Common challenges
Cross-border BIN routing kills approval rates: Brazilian issuers reject 30 to 50% of foreign-acquirer transactions on subscription. Currency volatility (ARS, COP) requires daily FX repricing for USD-denominated catalogues. Pix and SPEI refunds are merchant-initiated and instant, which changes reconciliation patterns versus card chargebacks.
Recommended setup
- Local MIDs in Brazil (BRL), Mexico (MXN), Colombia (COP) and Chile (CLP) for domestic acquiring
- Pix and Boleto in Brazil, SPEI and OXXO in Mexico, PSE in Colombia at checkout
- Installments (parcelado / cuotas) configured per country with merchant-side or consumer-side cost models
- Cabal, Elo and Naranja scheme support where issuer share justifies it
- Daily FX repricing on USD-denominated catalogues for ARS and COP
拉丁美洲 的熱門垂直行業
FAQ
你們支援 Pix 嗎？
支援。Pix 是巴西主要支付方式，可透過本地收單夥伴在結帳時使用。
我可以提供分期付款 (parcelado) 嗎？
可以。透過本地收單，巴西、墨西哥、阿根廷和哥倫比亞均支援分期付款。
How big is the approval-rate uplift from local versus cross-border acquiring?
On Brazilian, Mexican and Colombian cards, switching from cross-border to local acquiring typically lifts approvals by 20 to 40 percentage points, especially on subscription and high-ticket flows.
Which currencies can I settle in?
Cardflo can settle in local currency (BRL, MXN, COP, CLP, ARS) where the acquirer supports it, or convert to USD for consolidated treasury management.
Are Pix and SPEI refunds handled the same way as card refunds?
No. Pix and SPEI are push-payment rails, so refunds are merchant-initiated transfers rather than reversals of the original authorisation. Cardflo's reconciliation engine treats them as discrete debits and ties them back to the original transaction for accounting.
Do I need a local entity to acquire in Brazil?
Cardflo's Brazilian acquirer partners can settle to either a Brazilian-resident CNPJ or to an offshore entity through a registered fluxo cambial. The latter route is slower and more expensive on FX, so an in-country CNPJ is recommended for material volume.