Skip to main content
Local Payment Methods (LPMs) are region-specific payment solutions that often have higher acceptance rates than international cards in their target markets. Integrate once with Tazapay to access 100+ local payment methods globally.

​
Why Use LPMs

  • Higher conversion rates: Preferred by local users over international cards
  • Lower fees: Often cheaper than international card processing
  • Broader reach: Access unbanked/underbanked populations
  • Regulatory compliance: Built for local market requirements
  • Single integration: One API for all regional methods

​
Payment Method Categories

​
QR Code Payments

Real-time push payments via QR code scanning.
RegionMethodCurrency
IndiaUPI QRINR
ChinaAlipay, WeChat PayCNY
SingaporePayNowSGD
BrazilPIXBRL
ThailandPromptPayTHB
Technical flow:
  1. Generate QR code via API
  2. Display to customer
  3. Customer scans with banking/wallet app
  4. Receive webhook notification on payment completion

​
Bank Transfers

Direct bank-to-bank transfers via online banking.
RegionMethodCurrency
EuropeiDEAL, SOFORT, BancontactEUR
NetherlandsiDEALEUR
PolandBLIK, P24PLN
IndiaNet BankingINR
Technical flow:
  1. Customer selects bank at checkout
  2. Redirect to bank’s online banking portal
  3. Customer authorizes payment
  4. Redirect back to merchant with payment status

​
Mobile Money

SIM-based payment accounts, prevalent in Africa and Southeast Asia.
RegionMethod
KenyaM-Pesa
PhilippinesGCash
UgandaMTN Mobile Money
TanzaniaTigo Pesa
Technical flow:
  1. Initiate payment with mobile number
  2. Customer receives USSD/SMS prompt
  3. Customer enters PIN to authorize
  4. Receive webhook on completion

​
Digital Wallets

App-based payment accounts with stored value or linked funding sources.
RegionMethodCurrency
Southeast AsiaGrabPay, ShopeePayMultiple
IndonesiaOVO, DANA, LinkAjaIDR
ThailandTrueMoney, LINE PayTHB
PhilippinesPayMayaPHP
Technical flow:
  1. Redirect to wallet login
  2. Customer authenticates
  3. Customer confirms payment
  4. Redirect back with payment status

​
Integration Patterns

​
Synchronous Flow

  • Immediate payment confirmation
  • Used by: UPI, Cards
  • Customer stays on merchant page

​
Asynchronous Flow

  • Payment confirmed via webhook
  • Used by: Bank transfers, mobile money
  • Customer redirected temporarily

​
QR-based Flow

  • Display QR code
  • Poll for payment status
  • No redirect required

​
Technical Requirements

​
API Integration

{
  "payment_method": "upi_inr",
  "amount": 1000,
  "currency": "INR",
  "customer": {
    "email": "customer@example.com"
  }
}

​
Webhook Handling

  • Implement webhook endpoint for async payment methods
  • Verify webhook signatures
  • Handle all payment states: pending, succeeded, failed

​
Error Handling

  • Payment method unavailable
  • Customer cancellation
  • Timeout scenarios
  • Insufficient funds

​
Regional Coverage

  • India: UPI, Net Banking
  • Indonesia: Bank transfers, e-wallets (OVO, DANA, GoPay)
  • Thailand: PromptPay, mobile banking, LINE Pay
  • Philippines: GrabPay, PayMaya, bank transfers
  • Singapore: PayNow
  • Malaysia: FPX
  • Vietnam: Bank transfers, e-wallets
  • Netherlands: iDEAL
  • Germany: SOFORT, Giropay
  • Poland: BLIK, Przelewy24
  • Belgium: Bancontact
  • Austria: EPS
  • Portugal: Multibanco
  • Brazil: PIX, Boleto
  • Mexico: SPEI
  • Colombia: PSE
  • Kenya: M-Pesa
  • Uganda: MTN Mobile Money
  • Tanzania: Tigo Pesa
  • Egypt: Mobile wallets

​
Best Practices

  1. Display relevant methods: Use the Collection Methods API to show only available methods based on amount, currency, and customer location
  2. Handle timeouts: Set appropriate timeout values (10-30 minutes for bank transfers)
  3. Localization: Display payment method names and instructions in local language
  4. Status polling: For QR-based methods, poll status every 3-5 seconds
  5. Fallback options: Offer multiple payment methods as backup options