Overview
Tonder supports multiple payment methods across Latin America for accepting deposits, sending withdrawals, and processing refunds. The availability of specific methods varies by country and integration model. Quick Reference:- Cards - Mexico and Chile (deposits and refunds)
- Bank Transfers (SPEI) - Mexico only (deposits, withdrawals)
- Cash Payments - 9 countries (deposits only)
- Digital Wallets - Mexico only (deposits and refunds; withdrawals coming soon)
Payment Methods at a Glance
| Method | Countries | Deposits | Withdrawals | Refunds | Integration Models |
|---|---|---|---|---|---|
| Cards | Mexico, Chile | ✅ | ❌ | ✅ | All models |
| SPEI (Bank Transfer) | Mexico | ✅ | ✅ | ❌ | All models + Withdrawals API |
| Cash Payments | 9 countries | ✅ | ❌ | ❌ | All deposit models |
| Mercado Pago | Mexico | ✅ | ⏳ Soon | ✅ | All models + Withdrawals API (soon) |
Cards
Accept credit and debit card payments from major payment networks.What You Can Do
- ✅ Deposits - Accept payments from customers
- ✅ Refunds - Return money to customers
- ❌ Withdrawals - Not supported
Supported Networks
- Visa
- Mastercard
- American Express
- Carnet
Where Available
- Mexico
- Chile
Integration Models
- Hosted Checkout
- Full SDK
- Lite SDK
- API Integration (S2S)
Features
- 3DS authentication support
- Card tokenization
- Save card functionality
Bank Transfers (SPEI)
Direct bank-to-bank transfers using Mexico’s SPEI system (Sistema de Pagos Electrónicos Interbancarios).What You Can Do
- ✅ Deposits - Accept payments from customers
- ✅ Withdrawals - Send money to recipients
Where Available
- Mexico only
Integration Models
For Deposits:- Hosted Checkout
- Full SDK
- Lite SDK
- API Integration (S2S)
- Withdrawals API
- API Integration (S2S)
Withdrawal Methods
- SPEI to Bank Account
- SPEI to Debit Card
Features
- Real-time processing
- Account-to-account (A2A) transfers
- Lower transaction costs than cards
Cash Payments
Generate payment references for customers to pay in cash at convenience stores, retail chains, and payment centers.What You Can Do
- ✅ Deposits - Accept payments from customers
- ❌ Withdrawals - Not supported
- ❌ Withdrawals - Not supported
Where Available
9 countries across Latin America:- Argentina
- Chile
- Colombia
- Costa Rica
- Ecuador
- El Salvador
- Guatemala
- Mexico
- Peru
Integration Models
- Hosted Checkout
- Full SDK
- Lite SDK
- API Integration (S2S)
How It Works
- Customer selects cash payment method and location
- System generates payment reference code
- Customer pays at selected retail location within expiration period
- Payment confirmed via webhook notification
Payment Locations by Country
Mexico (20+ locations):- OxxoPay (primary)
- 7-Eleven, Walmart, Extra, CircleK
- Soriana, Calimax
- Farmacias del Ahorro
- BBVA, Santander, Scotiabank
- And more
- Argentina: Pago Fácil
- Chile: Walmart, Lider, Banco Estado locations
- Colombia: Efecty, Punto Red, Redeban (15+ locations)
- Costa Rica: Banco Nacional, PayCash, Payser
- Ecuador: Banco del Barrio, Farmacias 911, Mi Comisariato
- El Salvador: Grupo Mega, Punto Xpress, Farmacias Economicas
- Guatemala: Caja de Desarrollo, Super24
- Peru: Western Union, Banco Ripley, Pago Efectivo
| Country | Participating Locations |
|---|---|
| Mexico | OXXO Pay, 7-Eleven, Walmart, Farmacias del Ahorro, BBVA, etc. |
| Argentina | Pago Fácil, Rapipago |
| Chile | Sencillito, Lider |
| Colombia | Efecty, Baloto |
| Peru | PagoEfectivo |
Digital Wallets
Accept payments from digital wallet providers.What You Can Do
- ✅ Deposits - Accept payments from customers
- ⏳ Withdrawals - Coming soon (Mexico)
- ❌ Withdrawals - Not supported
Supported Wallets
- Mercado Pago (Mexico only)
Where Available
- Mexico only
Integration Models
For Deposits:- Hosted Checkout
- Full SDK
- Lite SDK
- API Integration (S2S)
- Withdrawals API
- API Integration (S2S)
Features
- One-click payments for wallet users
- No card details needed
- Faster checkout experience
Country Coverage Summary
Mexico - Full Coverage
Available Methods:- Cards (Credit, Debit)
- SPEI (Bank Transfers)
- Cash Payments (20+ locations)
- Mercado Pago (Digital Wallet)
- ✅ Deposits - All methods
- ✅ Withdrawals - SPEI only (Mercado Pago coming soon)
- ✅ Refunds - Cards, SPEI, Mercado Pago
Chile
Available Methods:- Cards (Credit, Debit)
- Cash Payments
- ✅ Deposits - Both methods
- ❌ Withdrawals - Not available
- ❌ Withdrawals - Not supported
Other Countries
Argentina, Colombia, Costa Rica, Ecuador, El Salvador, Guatemala, Peru Available Methods:- Cash Payments only
- ✅ Deposits - Cash payments
- ❌ Withdrawals - Not available
- ❌ Withdrawals - Not supported
Why These Methods Matter
Cards- Global standard for online payments
- Instant authorization
- Best for digital goods and services
- Lower transaction fees
- Popular in Mexico for larger amounts
- Required for withdrawals/payouts
- Critical for financial inclusion
- Reach customers without bank accounts or cards
- Dominant payment method in many Latin American countries
- Essential for markets with low card penetration
- Faster checkout experience
- One-click payments
- Growing adoption in Latin America
Payment Method Selection
For Customers
Available payment methods during checkout depend on:- Country - Different countries have different methods
- Currency - Transaction currency affects availability
- Transaction Amount - Some methods have limits
- Integration Model - Your integration determines which methods are available
For Merchants
To enable payment methods:- Check Coverage - Review the Countries Coverage page
- Contact Support - Request activation for desired methods
- Complete Onboarding - Some methods require additional documentation
- Test Integration - Verify methods work in sandbox before going live
Integration Model Support
| Integration Model | Cards | SPEI Deposits | SPEI Withdrawals | Cash | Mercado Pago Deposits | Mercado Pago Withdrawals |
|---|---|---|---|---|---|---|
| Hosted Checkout | ✅ | ✅ | ❌ | ✅ | ✅ | ❌ |
| Full SDK | ✅ | ✅ | ❌ | ✅ | ✅ | ❌ |
| Lite SDK | ✅ | ✅ | ❌ | ✅ | ✅ | ❌ |
| API Integration (S2S) | ✅ | ✅ | ✅ | ✅ | ✅ | ⏳ Soon |
| Withdrawals API | ❌ | ❌ | ✅ | ❌ | ❌ | ⏳ Soon |
Testing
All payment methods are available in Tonder’s test environment:- Test Cards - Simulate card payment flows
- Test SPEI - Simulate bank transfer flows
- Test Cash References - Simulate cash payment flows
- Test Mercado Pago - Simulate wallet flows
Important Notes
Withdrawal Availability
Withdrawals are currently only available in Mexico via:- SPEI to Bank Account
- SPEI to Debit Card
- Mercado Pago (coming soon)
Cash Payment Considerations
- Payment references have expiration periods
- Customer must pay within expiration window
- Confirmation times vary by provider
- Some providers support 24/7 payments, others have business hours
Refund Policies
- Cards: Standard refund processing applies
- SPEI: Refunds processed back to originating account
- Cash: Refund policies vary by provider
- Mercado Pago: Standard wallet refund processing
Next Steps
- Review Country Coverage - See the Countries Coverage page for detailed method availability
- Choose Integration Model - Select the model that supports your required payment methods
- Contact Support - Request activation of specific payment methods
- Review Testing Guide - Understand how to test each payment method
Payment method availability subject to change. Contact Tonder support for current information.