Peru Payment Gateway: Discover LatAm's Potential for your Business

The highest share of cash in Latin American e-commerce

Digital Commerce

  • Peruvian digital commerce is expected to grow 21% annually through 2025.

  • The e-commerce penetration in Peru went from 45% in 2020 to 58% in 2022.

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Solutions

  • Pay-in with local relevant payment methods and hybrid funds settlement (domestic and/or international).

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Payment Methods

  • From cash-based to instant payment options, see all the payment methods available through EBANX in Peru.

See All Payment Methods

Global companies selling with EBANX in Peru

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Peru ranks ahead of the United States and Canada in UN's Global Digitalization Index

Peru does not tend to be the first name that comes to mind when we think about cross-border sales in Latin America. Maybe for a short time. In 2022, the country 34 million people call home was ranked as one of the 11 countries highlighted by the United Nations Digital Government Development Index due to the sustained growth of its digitalization in international indicators.


With a robust digital backbone, Peruvian e-commerce is expected to grow 21% annually through 2025, with penetration rising from 45% in 2020 to 58% in 2022.

  • +133% in 2022: cross-border e-commerce sales in Peru have more than doubled since 2020. 

  • Debit versus credit: debit cards have surpassed international credit cards as the favorite payment method for Peruvians when buying online.

  • 37% are APMs: alternative payment methods account for 37% of all e-commerce payments in Peru, slightly lower than LatAm's share of 39%.

  • +55% YoY growth: locals in Peru would use their mobile devices (58.6%) over desktop (41.4%) for online shopping.

  • 58% growth rate: cross-border sales have grown faster than domestic sales in Peru, 58% x 46% YoY, respectively, in 2022. 

Source: EBANX & AMI Datapack, 2022

EBANX solutions
↪in Peru

Rely on an expert payment partner to internationally manage your funds in Peru, from pay-in to payout.

Pay-In

A variety of payment methods with solutions that increase your total addressable market by providing the most relevant options for digital purchases and boosting your performance in cross-border sales with a reliable global settlement network.


  • 100+ direct connections with local acquirers

  • Optimized balance between approval rates and chargeback levels

  • Support and performance optimization on recurring payments

  • Unified reconciliation

  • Local Risk and Compliance Management

  • Optimized money flow considering multi-currency sales

  • One single and easy integration to accelerate go-live or upgrades

  • Exclusive and innovative technology developed in-house 

More about Pay-In

payment methods in peru

With credit card ownership still very limited - only 13% of locals use them -, cash-based transactions drive Peru's digital commerce. The country, followed by Colombia, Mexico, and Brazil, has the largest shares and volumes of cash-based payments for e-commerce: 19% of all online purchases in Peru are paid with cash-based methods. That's $ 3.63 billion in volume, USD.

Payments on digital commerce in Peru (2022)

*Includes cash on delivery, gift cards, and other miscellaneous payment methods.

Source: EBANX & AMI Datapack 2022

Payment methods available in Peru with EBANX

Payment Methods
Installmentswhen a payment is made at intervals
Recurrence
International Settlement
Domestic Settlement
Pago Efectivo
Installments

N/A

when a payment is made at intervals
Recurrence

No

International Settlement

Yes

Domestic Settlement

No

N/A
No
Yes
No
Visa
Mastercard
American Express
Diners Club
Installments

Yes

when a payment is made at intervals
Recurrence

Yes

International Settlement

Yes

Domestic Settlement

No

Yes
Yes
Yes
No
Visa
Mastercard
American Express
Diners Club
Installments

Yes

when a payment is made at intervals
Recurrence

Yes

International Settlement

Yes

Domestic Settlement

No

Yes
Yes
Yes
No
Pago Efectivo
SafetyPay
Installments

N/A

when a payment is made at intervals
Recurrence

No

International Settlement

Yes

Domestic Settlement

Yes

N/A
No
Yes
Yes

Payment Confirmation and WhatsApp Notification

When your customers in Peru place an order, they receive an automatic email request for payment from EBANX. If the payment isn't made within 24 hours, a reminder is sent via WhatsApp. Once the payment is made, they get an email message confirming the purchase. 

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EBANX makes cross-border payments easy so you can focus on growth

Have a complete payment solution that helps your business cross borders and process international payments in Peru and 17 other countries in Latin America and Africa.

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Keep reading about payments in rising markets

Beyond Borders 2022-2023:

An overview of online commerce in Latin America and Africa

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