Payment Gateways in Peru 2025: Top Payment Methods and Solutions
Population
Percentage of Online Shoppers
Consumer Spending
The Best Payment Gateway in Peru 2025
When choosing a payment gateway in Peru, businesses should consider: - Support for local cards and mobile wallets (Yape, Plin, Niubiz) - Ability to process credit and debit card payments - Fast settlement and secure transactions - Mobile-first checkout experience - Fraud detection and tokenization - Easy integration with ERP systems, e-commerce platforms, or mobile apps - Compliance with Peruvian banking regulations Below are the top 6 most reliable payment gateways in Peru for 2025, with detailed breakdowns and pros/cons.
| Payments gateway | Countries | Pay methods | Currencies | Website |
|---|---|---|---|---|
 PayU | Peru + LATAM | Credit & debit cards, digital wallets | PEN, USD | Open |
 Mercado Pago | Peru + LATAM | Credit & debit cards, mobile wallet | PEN, USD | Open |
 EBANX | Peru + LATAM | Credit & debit cards, local bank transfers, cash vouchers | PEN, USD | Open |
 2Checkout | Peru + Global | Credit & debit cards, PayPal, recurring billing | PEN, USD, other | Open |
 PayPal | Global | Credit & debit cards, PayPal balance, cross-border | PEN, USD, other | Open |
Yape — #1 Local Peruvian Mobile Wallet
Yape is the most widely used local mobile payment solution in Peru, fully optimized for small businesses and mobile-first commerce. It supports mobile wallets, QR codes, and instant transfers.
| Feature | Details |
|---|---|
| Payment Methods | Mobile wallet, QR codes |
| Settlement Period | Instant transfers |
| Mobile Integration | iOS/Android SDK, plugins for local platforms |
| Documents | Local business registration |
| Dashboard | Transaction overview, receipt generation |
| Customer Support | 24/7 (Peru-based) |
| Payment MethodsMobile wallet, QR codes | |
| Settlement PeriodInstant transfers | |
| Mobile IntegrationiOS/Android SDK, plugins for local platforms | |
| DocumentsLocal business registration | |
| DashboardTransaction overview, receipt generation | |
| Customer Support24/7 (Peru-based) |
Pros
- Instant transfers, easy integration
- Strong mobile-first focus
- Simple setup for small businesses
Cons
- Only local coverage
- Limited support for credit/debit cards
PayPal — Global Cross-Border Payments in Peru
PayPal is widely used in Peru for international transactions, enabling businesses and individuals to send and receive cross-border payments with credit cards, PayPal balance, and linked accounts. While not a fully local processor, it remains a key option for global e-commerce.
| Feature | Details |
|---|---|
| Payment methods | Credit & debit cards, PayPal balance, international transfers |
| Settlement | Cross-border settlement; payouts to local cards (USD only) |
| Mobile Integration | API, buttons, checkout plugins, web/mobile SDK |
| Documents | Standard PayPal account verification (KYC) |
| Customer Support | Global PayPal support, online help center |
| Dashboard | Transaction history, dispute center, reporting tools |
| Payment methodsCredit & debit cards, PayPal balance, international transfers | |
| SettlementCross-border settlement; payouts to local cards (USD only) | |
| Mobile IntegrationAPI, buttons, checkout plugins, web/mobile SDK | |
| DocumentsStandard PayPal account verification (KYC) | |
| Customer SupportGlobal PayPal support, online help center | |
| DashboardTransaction history, dispute center, reporting tools |
Pros
- Global brand trust and extremely wide acceptance
- Ideal for international buyers and cross-border payments
- Easy integration with plugin-based checkout
- Strong dispute resolution and fraud protection
Cons
- No local settlement in PEN (Peruvian sol)
- Higher fees than local gateways such as Yape, Culqi, Niubiz
- Not a local PSP — limited functionality for Peruvian merchants
- Cross-border withdrawals only (USD), slower payout flow
2Checkout (Verifone) — Global Gateway for Peru
2Checkout allows Peruvian merchants to accept international payments from cards and digital wallets.
| Feature | Details |
|---|---|
| Payment Methods | Credit & debit cards, PayPal, recurring billing |
| Settlement | Multi-currency (PEN, USD, other), T+1 to T+3 |
| Mobile Integration | API, SDK, plugins for online platforms |
| Documents | Business verification required |
| Dashboard | Reporting, analytics, fraud tools |
| Customer Support | Email/support chat |
| Payment MethodsCredit & debit cards, PayPal, recurring billing | |
| SettlementMulti-currency (PEN, USD, other), T+1 to T+3 | |
| Mobile IntegrationAPI, SDK, plugins for online platforms | |
| DocumentsBusiness verification required | |
| DashboardReporting, analytics, fraud tools | |
| Customer SupportEmail/support chat |
Pros
- Accepts international cards and cross-border payments
- Supports recurring billing and subscriptions
- Easy integration with major e-commerce platforms
Cons
- Limited local payment methods
- Slightly higher fees for small Peruvian merchants
Plin — Fast Interbank Transfers
Plin is ideal for businesses that want to accept mobile wallet payments and interbank transfers. It emphasizes speed and accessibility.
| Feature | Details |
|---|---|
| Payment Methods | Mobile wallet, bank transfer |
| Settlement Period | Instant or same-day transfers |
| Mobile Integration | Simple API and mobile apps |
| Onboarding | Quick, local business verification |
| Dashboard | Easy transaction tracking |
| Payment MethodsMobile wallet, bank transfer | |
| Settlement PeriodInstant or same-day transfers | |
| Mobile IntegrationSimple API and mobile apps | |
| OnboardingQuick, local business verification | |
| DashboardEasy transaction tracking |
Pros
- Fast interbank transfers
- Simple integration and mobile focus
- Accessible to most Peruvian customers
Cons
- Limited to Peruvian banks
- No credit card processing
Niubiz — Local Gateway for E-commerce
Niubiz is a popular payment gateway for online merchants, supporting credit and debit cards, virtual cards, and ERP integration.
| Feature | Details |
|---|---|
| Payment Methods | Credit & debit cards, virtual cards |
| Settlement Period | T+1 |
| Integration | Plugins, APIs, ERP integration |
| Onboarding | Business verification, documentation required |
| Dashboard | Analytics, fraud detection, tokenization |
| Payment MethodsCredit & debit cards, virtual cards | |
| Settlement PeriodT+1 | |
| IntegrationPlugins, APIs, ERP integration | |
| OnboardingBusiness verification, documentation required | |
| DashboardAnalytics, fraud detection, tokenization |
Pros
- Supports credit and debit cards
- Tokenization and fraud prevention
- ERP and e-commerce platform integration
Cons
- Requires technical integration
- Higher fees than local wallets
Culqi — Secure Online Payment Gateway
Culqi is optimized for online merchants and platform integration, supporting credit/debit cards and digital wallets.
| Feature | Details |
|---|---|
| Payment Methods | Credit & debit cards, digital wallet |
| Settlement Period | T+1 |
| Integration | APIs, mobile SDKs, e-commerce plugins |
| Onboarding | Business registration required |
| Dashboard | Tokenization, fraud tools, payouts |
| Payment MethodsCredit & debit cards, digital wallet | |
| Settlement PeriodT+1 | |
| IntegrationAPIs, mobile SDKs, e-commerce plugins | |
| OnboardingBusiness registration required | |
| DashboardTokenization, fraud tools, payouts |
Pros
- Easy API integration
- Secure payments with tokenization
- Good for online platforms and marketplaces
Cons
- Limited local wallet adoption
- Fees higher for small merchants
EBANX — Latin America Local Payment Aggregator
EBANX enables Peruvian merchants to accept local and international payments, including cards, bank transfers, and cash vouchers.
| Feature | Details |
|---|---|
| Payment Methods | Credit & debit cards, local bank transfers, cash vouchers |
| Settlement Period | Multi-currency, fast payouts in PEN/USD |
| Mobile Integration | API, SDK, plugins for platforms |
| Documents | Business verification required |
| Dashboard | Fraud prevention, analytics, payout management |
| Customer Support | 24/7 regional support |
| Payment MethodsCredit & debit cards, local bank transfers, cash vouchers | |
| Settlement PeriodMulti-currency, fast payouts in PEN/USD | |
| Mobile IntegrationAPI, SDK, plugins for platforms | |
| DocumentsBusiness verification required | |
| DashboardFraud prevention, analytics, payout management | |
| Customer Support24/7 regional support |
Pros
- Strong local payment support in Latin America
- Supports multi-currency and cross-border payments
- Easy integration for marketplaces
Cons
- Fees higher for small merchants
- Less recognized outside Latin America
Mercado Pago — Comprehensive Latin American Solution
Mercado Pago offers a comprehensive gateway for Latin American businesses, supporting multiple payment options and integration with platforms like Mercado Libre.
| Feature | Details |
|---|---|
| Payment Methods | Credit/debit cards, mobile wallets |
| Settlement Period | T+1, local currency available |
| Integration | Mobile apps, APIs, e-commerce platforms |
| Onboarding | Quick business verification |
| Dashboard | Analytics, payouts, fraud detection |
| Payment MethodsCredit/debit cards, mobile wallets | |
| Settlement PeriodT+1, local currency available | |
| IntegrationMobile apps, APIs, e-commerce platforms | |
| OnboardingQuick business verification | |
| DashboardAnalytics, payouts, fraud detection |
Pros
- Supports international and local payments
- Easy platform integration
- Strong fraud prevention
Cons
- Fees can be higher than local wallets
- May require technical integration for advanced features
PayU — International Payments in Peru
PayU provides global and regional online payments, supporting cards and digital wallets, including installment options.
| Feature | Details |
|---|---|
| Payment Methods | Credit & debit cards, digital wallets |
| Settlement Period | Multi-currency (PEN, USD), T+1 to T+2 |
| Mobile Integration | API, SDK, plugins for e-commerce platforms |
| Documents | Business verification required |
| Customer Support | Regional 24/7 support |
| Dashboard | Transaction monitoring, fraud tools, reporting |
| Payment MethodsCredit & debit cards, digital wallets | |
| Settlement PeriodMulti-currency (PEN, USD), T+1 to T+2 | |
| Mobile IntegrationAPI, SDK, plugins for e-commerce platforms | |
| DocumentsBusiness verification required | |
| Customer SupportRegional 24/7 support | |
| DashboardTransaction monitoring, fraud tools, reporting |
Pros
- Good for cross-border commerce
- Supports multiple payment methods and installment plans
- Reliable multi-currency settlement
Cons
- Slightly higher fees than local solutions
- More complex integration for small merchants
Advantages and Disadvantages of Payment Gateways in Peru
Advantages:
- Accept payments via credit/debit cards and mobile wallets
- Facilitate e-commerce with speed, security, and mobile accessibility
- Integrate with ERP systems, mobile apps, and online platforms
- Enable international payments and installment plans
- Support QR codes and digital receipts for seamless transactions
Disadvantages:
- Some gateways require mandatory documentation for setup
- Fees and transaction costs vary across local and international providers
- Integration may require technical knowledge or developer support
- Coverage of local payment methods differs by provider
- Businesses must ensure compliance with fraud detection and security standards
How Payment Gateways Work for Businesses in Peru
Payment gateways connect businesses with banks (BCP, Interbank), mobile wallets, and international networks. Payments can be received via QR codes, virtual accounts, or mobile numbers, making online purchasing flexible and inclusive.
Digital Payment Adoption Trends in Latin America
Peru is following a regional trend of digital payments, emphasizing:
- Mobile payments and digital wallets
- Installment payment options
- Increased accessibility and improved user experience
Key Trends in Peru (2025)
Rapid Growth of Low-Value Payments
Low-value payments via digital wallets (Yape, Plin) now dominate retail transactions (~68.5% in 2024).
Scaling Interoperability
Yape–Plin interoperability led to 121 million transactions/month by Dec 2024.
CBDC Pilot (BiPay)
~67,000 active users, 91,000 daily transactions, S/ 5.508 million balance as of Feb 2025.
FinTech Ecosystem Expansion
237 registered FinTech companies (Dec 2024), 60 focused on payments and transfers.
Digital Wallet Explosion
20x increase in wallet transactions over four years; projected 186M interoperable monthly transactions by mid‑2025.
Implications for Businesses
- Micro-payments Matter: Optimize platforms for small-ticket mobile wallet transactions.
- Interoperability Opportunities: Use Yape, Plin, and interoperable wallets to reach more customers.
- CBDC Readiness: Explore BiPay integration for competitive advantage.
- Security Practices: Implement tokenization, fraud detection, and secure protocols.
- API & UX Integration: Choose gateways with APIs for ERP, mobile, and e-commerce platforms.
Popular Payment Methods in Peru
- Credit & Debit Cards: Supported by most local and international gateways
- Digital Wallets: Yape, Plin, Pago — instant mobile payments
- Local Methods: QR codes, bank transfers, digital receipts
Comparison of Payment Gateways by Transaction Processing and Fees
| Gateway | Transaction Speed | Fees | Notes |
|---|---|---|---|
| Niubiz | Fast | Medium | Tokenization, ERP integration |
| Yape | Instant | Low | Mobile-first, easy integration |
| Plin | Fast | Low | Accessible interbank transfers |
| PayU | T+1 | Medium-High | Cross-border payments |
| Mercado Pago | T+1 | Medium | Fraud detection, payout options |
| Culqi | T+1 | Medium | Secure, easy API |
How to Integrate Payment Gateways with Your Business
- ERP, e-commerce, or mobile app integration
- Installment plans and multiple payment options
- Tokenization and fraud detection for secure transactions
- International payment support for cross-border commerce
FAQ
What is a Payment Gateway in Peru?
A payment gateway is a platform in Peru that allows businesses or agencies to accept online payments through credit or debit cards, mobile wallets, and bank transfers. It helps companies authorize transactions, collect payments, and manage money quickly and securely, enhancing the overall payment experience for customers.
Which Payment Methods are Available?
Businesses can discover the best payment gateways that support a range of digital payment solutions, including credit cards, cards without physical issuance, Yape, Plin, Niubiz, PayU, Mercado Pago, Culqi, and other mobile applications. Customers also have the option to pay using a cell phone number or through e-commerce platforms like Mercado Libre, making it easy to receive money.
What are the Requirements for a Payment Gateway?
To use online payment gateways in Peru, companies need a bank account (Banco de Peru, BCP, or others), a registered e-commerce platform, and integration with ERP or mobile applications. Some solutions may require manual setup or documentation. Technological interfaces ensure simplicity while allowing businesses to measure and manage payments, enhance e-commerce, and collect payments efficiently.
Does Peru Accept PayPal?
Yes. Peruvian businesses can integrate international payment solutions like PayPal to accept online payments through credit or debit, providing a comprehensive platform in Peru for Latin American countries, enabling companies to receive money quickly and securely while maintaining simplicity and flexibility.
