Your Checkout Only Accepts Half the Americas
20+
Payment methods
4
Local acquiring countries
$3.8B
Lost to failed cross-border payments/yr
10-15%
Decline reduction with local acquiring
24hr
Next-day funding
Accept How the Americas Actually Pay
Cards dominate in the US and Canada. Cash vouchers are critical in Mexico. Bank transfers lead in Colombia. One integration covers all of it.
United States & Canada
Mexico
Colombia
US & Canada: Cards and Wallets Dominate — But the Mix Is Shifting
Credit and debit cards still account for 65% of consumer payments in North America. But digital wallets are projected to overtake cards in ecommerce by 2026, reaching 41% of online transaction volume. Apple Pay alone holds 92% of the US digital wallet market. If you're not accepting Apple Pay, Google Pay, PayPal, Venmo, and Cash App alongside traditional cards, you're adding friction where there shouldn't be any.
- Cards (Visa, Mastercard, Amex, Discover) still 65%+ of all payments
- Digital wallets reaching 41% of ecommerce by 2026
- BNPL (Affirm, Klarna) now 6% of ecommerce and growing
- Interac dominates Canadian debit — essential for CA merchants
20+
Local Methods
4
Countries
3
Currencies
Mexico: 32% of Your Customers Don't Have a Bank Account
Mexico's ecommerce market is growing 33% through 2026, projected to hit $176.8 billion. But only 67.8% of adults have a financial product. OXXO Pay — available at 23,000+ convenience stores — handles 50% of all cash-based online transactions and processes $6 billion annually. SPEI real-time bank transfers have 71% adoption with 5.34 billion transactions per year. If your checkout doesn't support OXXO and SPEI, you're locked out of Mexico's fastest-growing segment.
- OXXO Pay: $6B/year, 10% of all online transactions
- SPEI: 71% adoption, 5.34B annual transactions
- Mobile commerce = 80% of Mexico's online sales
- BNPL growing 33.5% annually — fastest in LATAM
OXXO Pay
23,000+ locations
Customer checkouts online
Gets voucher code
Pays cash at OXXO
You get funded
$6B annual volume · 10% of Mexico's online transactions
Colombia: 63% of Online Purchases Go Through PSE — Not Cards
Colombia's ecommerce hit 131.6 million transactions in Q1 2025 alone, up 15.6% year-over-year. But credit card penetration is only 37%. The dominant online payment method is PSE (Pagos Seguros en Linea) — real-time bank transfers that account for 63.1% of ecommerce. Digital wallets Nequi and Daviplata are growing fast, and Efecty cash vouchers still handle 8-12% of digital transactions. If you only accept cards in Colombia, you're rejecting two-thirds of online buyers.
- PSE: 63.1% of all ecommerce payments
- Nequi + Daviplata: fastest-growing digital wallets
- Efecty cash vouchers: 8-12% of digital transactions
- Contactless payments up 85% year-over-year
PSE + Digital Wallets
63.1% of ecommerce
Q1 2025: 131.6M transactions
What Happens When You Only Accept Cards
A US-based ecommerce brand launches in Mexico and Colombia. They accept Visa and Mastercard — nothing else. In Mexico, 32% of their target customers can't pay at all. Another 10% would have used OXXO but there's no option, so they abandon checkout. In Colombia, 63% of online buyers prefer PSE bank transfers — but the only option is a credit card form. Decline rates on cross-border card transactions run 10-15% higher than domestic. The result: they're converting at half the rate of competitors who accept local payment methods. They blame the market. The market isn't the problem — their checkout is.
$3.8B
Lost to failed cross-border payments annually by US merchants
70%
Of US firms see higher failure rates on cross-border vs domestic
10-15%
Higher decline rate on cross-border card transactions
What You Get With Americas Processing
20+
Payment methods
Cards, digital wallets, bank transfers, cash vouchers, and BNPL — every method that matters across all four markets
4
Local acquiring countries
Domestic transaction routing in the US, Canada, Mexico, and Colombia. Higher approvals, lower fees, better conversion
1
Integration
Single API connects to every payment method across all four markets. One settlement, one statement, one dashboard
24hr
Next-day funding
All transactions across all markets funded next business day in your preferred settlement currency — USD, CAD, MXN, or COP
Americas Payment Processing FAQ
Common questions about accepting payments across the US, Canada, Mexico, and Colombia.
Ready to Accept Every Payment Across the Americas?
Get a custom quote with transparent interchange-plus pricing. No contracts, no hidden fees, and a dedicated account manager who knows these markets.