Meet customers in their local payment habit.
In most growth markets, cards are the second choice, not the first. Paytone supports the alternative methods that customers actually use locally — Pix in Brazil, iDEAL in the Netherlands, OXXO in Mexico, and dozens more.
Coverage where it matters.
Local payment methods are stitched together regionally. Paytone groups them by region so you can think about market entry, not individual integrations.
LATAM
Pix and Boleto in Brazil, OXXO in Mexico, plus regional bank-transfer and cash-voucher rails across Argentina, Chile, Colombia, and Peru.
Europe
iDEAL in the Netherlands, BLIK in Poland, Multibanco and MB WAY in Portugal, plus Sofort and Bancontact across DACH and Benelux markets.
APAC
PayID and PayTo in Australia, plus regional wallet schemes and bank-transfer rails across South-East Asia and the Indian sub-continent.
Africa
Mobile-money flow patterns across East and West Africa, plus selected bank-transfer rails where the local clearing infrastructure supports it.
If you only accept cards, you miss the local customer.
In a lot of markets, the dominant method isn't a card — it's a local rail customers trust. Skipping local APMs leaves measurable revenue on the table.
- Higher local conversion. Customers reach for the method they trust and abandon less often when their preferred option is on screen.
- Lower effective costs. Instant bank rails like Pix and iDEAL typically clear at a fraction of card scheme fees.
- Access to unbanked or underbanked customers. Voucher and cash rails extend acceptance to customers who don't carry cards.
- Lower fraud exposure. Many APMs authenticate at the bank or wallet level, reducing card-not-present fraud and dispute volume.
- Regulatory readiness. In several jurisdictions, supporting local rails is increasingly expected by partners and supervisors.
Methods land in a predictable shape.
Paytone treats new methods as a recurring product workstream, not a custom integration. Each one goes through the same four-stage pipeline so the surface area stays consistent.
Assess demand
We track method-share data across our merchant base and the markets they sell into. Methods get prioritized where customer demand and acquirer support align.
Integrate
We build the method against a connected provider, normalizing its lifecycle into the standard Paytone payment object — same statuses, same webhooks.
Launch
The method goes live behind a config flag. Merchants opt in per region. Hosted checkout surfaces it automatically where it's relevant.
Optimize
We monitor approval, refund, and dispute behavior post-launch. Routing rules and surfacing logic are tuned based on real performance data.
Local methods, without the local integration.
Tell us which markets you're entering and which methods you need. We'll show you what's live, what's on the roadmap, and what it would take to get the rest in.