FacilitaPay

FacilitaPay: Cross-Border Payments And Local Payment Methods In Latin America

FacilitaPay is a payment service provider focused on cross-border pay-ins and pay-outs across Latin America. Through one integration, merchants can accept locally preferred payment methods in Brazil, Mexico, Colombia, and Chile, then receive settlements in local currency, USD, or supported stablecoins. FacilitaPay also offers tools for payouts to local bank accounts and stablecoin wallets, reporting, and foreign exchange management.

Where FacilitaPay Operates

FacilitaPay supports payment processing and disbursements in four markets in Latin America: Brazil, Mexico, Colombia, and Chile. The platform is built to serve multi-country operations under a single account with consolidated reporting and management.

Country Coverage At A Glance

• Brazil: Local rails and methods such as Pix, Boleto, local credit and debit cards, and installments.

• Mexico: Bank transfers via SPEI, OXXO and OXXO Pay vouchers, and local cards.

• Colombia: PSE bank transfers and popular cash vouchers such as Baloto, SuRed, and Efecty, alongside local cards and installments where applicable.

Payment Methods And Local Rails

FacilitaPay’s proposition centers on local acceptance to improve reach and conversion. Supported methods vary by country and typically include:

• Instant and bank transfers: Pix in Brazil and SPEI in Mexico for real-time transfers. PSE in Colombia for online bank payments.

• Cash and voucher payments: Brazil’s Boleto, Mexico’s OXXO and OXXO Pay, and Colombian vouchers like Baloto, SuRed, and Efecty.

• Cards and installments: Local credit and debit card acquiring where available with the option to offer installments in markets where this is a standard checkout expectation.

• Digital wallets and alternatives: Locally relevant wallets and alternative rails that can extend coverage beyond cards.

• Crypto settlement options: For selected use cases, merchants can opt to receive settlements in stablecoins such as USDC and USDT.

How FacilitaPay Works For Pay-Ins

FacilitaPay’s pay-in flow is designed for cross-border commerce where customers pay locally and the merchant settles internationally.

• Local account setup: FacilitaPay creates a merchant-specific local account in the relevant market to receive customer funds via local rails.

• Customer payment: The customer pays through the merchant’s checkout using a supported local method such as Pix, SPEI, PSE, Boleto, or a voucher.

• Reconciliation and conversion: Deposits are identified and reconciled to the merchant. Funds are converted to the merchant’s chosen currency using FacilitaPay’s FX tools.

• Settlement: The merchant chooses when to transfer converted funds to an international bank account or receive settlement in stablecoins, subject to the agreed schedule.

Operationally, this structure allows merchants to price in local currency while managing FX centrally, which can help reduce friction and price confusion at checkout.

How FacilitaPay Works For Payouts

For disbursements, FacilitaPay supports payouts to local recipients such as sellers, partners, or contractors.

• Funding and instructions
  Merchants fund their multi-currency account and send payout instructions via API or platform.

• Local disbursement
  FacilitaPay delivers funds in local currency to recipient bank accounts. Stablecoin payouts are available for supported counterparties.

• Notifications and reporting
  Real-time notifications and granular reporting are provided for reconciliation and operational visibility.

This model addresses regional compliance, FX, and operational complexity that can make direct cross-border disbursements difficult for non-local entities.

Pix Global And Cross-Border Use Cases

FacilitaPay offers a dedicated Pix Global product for Brazil-related collections. Pix can be used to collect funds instantly every day of the week, providing an alternative to traditional card acceptance for relevant flows. Pix-based cross-border use cases include tourist payments, marketplace collections, and remittances where the payer prefers a bank-to-bank instant transfer.

Integration, Reporting, And Developer Experience

Merchants integrate with FacilitaPay using a suite of APIs and a single connection for all supported countries. Key elements include:

• Single API across markets: Unifies access to the pay-in and payout products, payment methods, and FX features.

• Dashboard and analytics: A real-time dashboard for monitoring transactions, settlements, disputes, and exports for finance and BI teams.

• Workflows and automation: Payout workflows, notifications, and reporting to streamline operations.

• Support: Dedicated account management and technical support for onboarding and ongoing operations.

Risk, Fraud, And Dispute Handling

FacilitaPay provides localized risk controls and fraud tooling aimed at improving card approval rates and reducing chargebacks, plus a dispute management workflow for refunds and chargeback tracking. For non-card methods such as Pix, bank transfers, and vouchers, the risk profile differs from card-presentments, and FacilitaPay’s reporting provides visibility on method-specific statuses and reconciliations.

Settlements, FX, And Currencies

A core part of FacilitaPay’s value proposition is FX management for cross-border flows.

• Settlement schedules: Settlement timing depends on method and market. Bank transfer settlements typically post within 1 to 2 business days. Stablecoin settlements are available with near-instant processing in supported scenarios.

• Currency options: Operate and price in local currencies such as BRL, MXN, COP, and CLP, with the option to settle to USD or supported stablecoins.

• FX tools: FX APIs can be used to price dynamically in local currency while settling in a preferred currency to reduce exposure to currency fluctuations.

Compliance And Regulatory Posture

FacilitaPay states that it operates in compliance with the Brazilian Payments Market framework and foreign exchange rules, and lists roles and authorizations relevant to its Brazilian operations. Public materials on the site describe its legal constitution and authorizations, and the company publishes a compliance program that includes policies covering data privacy, anti-money laundering and counter-terrorist financing, anti-bribery and corruption, and cybersecurity. For non-Brazilian markets, FacilitaPay indicates that it monitors and adheres to local requirements in the countries it serves.

Merchants should review contractual documentation during onboarding to understand the specific entity, permissions, and obligations applicable to their use case and markets.

Performance And Availability

FacilitaPay describes a platform architecture oriented to scale with peaks and states a target of high availability with continuous monitoring. Public site materials also reference operating metrics such as the number of supported payment methods and companies using the platform. These are provider-supplied statements and should be treated as indicative rather than audited.

Industries And Use Cases

FacilitaPay positions its solution for a range of cross-border scenarios where local payment acceptance and payouts are required:

• International e-commerce and SaaS

• Marketplaces and payment aggregators

• Global remittance providers

• Social media, digital content, and streaming

• Crypto exchanges and investment platforms

• B2B cross-border payments

Conclusion

FacilitaPay is a fit for merchants that need a single provider to localize acceptance in Brazil, Mexico, Colombia, and Chile, manage FX and multi-currency settlements, and run local payouts. It is particularly relevant for teams that want to consolidate vendors and maintain one integration for multiple Latin American markets. Merchants with strict procurement requirements or specific compliance obligations should incorporate a review of entity permissions, data handling, and risk controls during due diligence.