Sources: Banco de Guatemala, Superintendencia de Bancos and provider disclosures, 2024–2025.
How Guatemala pays
Guatemala is Central America's largest economy, and still a cash-first one. Card payments are processed largely by local networks such as Visanet Guatemala, with big banks such as Banco Industrial issuing most cards, and a share of shoppers prefer to pay by bank transfer or in cash at agents and bank branches.
Remittances play a big role in household income, and mobile money such as Tigo Money reaches people outside the banking system. For an enterprise merchant, the value is reach: cards, wallets and local methods behind one integration, routing across acquirers and 3DS, with Spanish-language checkout and pricing in quetzales.
Why merchants run on us here
Local card processing
Domestic card payments run through local networks such as Visanet Guatemala, so local acquiring matters for approvals.
Cash and bank transfers
Many shoppers settle online orders by bank transfer or in cash at agents and branches.
Mobile money
Tigo Money extends checkout to people who do not hold a bank card.
One integration, quetzal pricing
Cards, wallets and local methods behind one integration, with routing across acquirers, 3DS and Spanish-language checkout.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Guatemala
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Guatemala like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Guatemala today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Guatemalan quetzal (GTQ) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Guatemala?
Talk to our payments team about going live in Guatemala — coverage, local acquiring, settlement and timelines for your business.