> ## Documentation Index
> Fetch the complete documentation index at: https://developer.tazapay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Local Payment Methods (LPMs)

> Accept regional payment methods across Asia, Europe, Africa, and Latin America

<img src="https://mintcdn.com/tazapay-58ae360f/SWJmhDU02-pAjete/images/LPM.png?fit=max&auto=format&n=SWJmhDU02-pAjete&q=85&s=13ae2b36e59da2fdbc1ebb60b89df10e" alt="Local Payment Methods" className="w-full rounded-xl" style={{ marginBottom: '2rem' }} width="2541" height="1090" data-path="images/LPM.png" />

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 173+ 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.

| Region    | Method             | Currency |
| --------- | ------------------ | -------- |
| India     | UPI QR             | INR      |
| China     | Alipay, WeChat Pay | CNY      |
| Singapore | PayNow             | SGD      |
| Brazil    | PIX                | BRL      |
| Thailand  | PromptPay          | THB      |

**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.

| Region      | Method                    | Currency |
| ----------- | ------------------------- | -------- |
| Europe      | iDEAL, SOFORT, Bancontact | EUR      |
| Netherlands | iDEAL                     | EUR      |
| Poland      | BLIK, P24                 | PLN      |
| India       | Net Banking               | INR      |

**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.

| Region      | Method           |
| ----------- | ---------------- |
| Kenya       | M-Pesa           |
| Philippines | GCash            |
| Uganda      | MTN Mobile Money |
| Tanzania    | Tigo 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.

| Region         | Method              | Currency |
| -------------- | ------------------- | -------- |
| Southeast Asia | GrabPay, ShopeePay  | Multiple |
| Indonesia      | OVO, DANA, LinkAja  | IDR      |
| Thailand       | TrueMoney, LINE Pay | THB      |
| Philippines    | PayMaya             | PHP      |

**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

```json theme={null}
{
  "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

<Accordion title="Asia-Pacific">
  * **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
</Accordion>

<Accordion title="Europe">
  * **Netherlands**: iDEAL
  * **Germany**: SOFORT, Giropay
  * **Poland**: BLIK, Przelewy24
  * **Belgium**: Bancontact
  * **Austria**: EPS
  * **Portugal**: Multibanco
</Accordion>

<Accordion title="Latin America">
  * **Brazil**: PIX, Boleto
  * **Mexico**: SPEI
  * **Colombia**: PSE
</Accordion>

<Accordion title="Africa & Middle East">
  * **Kenya**: M-Pesa
  * **Uganda**: MTN Mobile Money
  * **Tanzania**: Tigo Pesa
  * **Egypt**: Mobile wallets
</Accordion>

## 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

## Related Resources

* [Collection Methods API](/api-reference/tazapay-api/collection-methods-api) - Query available payment methods
* [Payment Method Coverage](/Cards-and-LPMs/Collections/Payment-Methods-APAC/India/upi_inr) - Detailed guides by region