Sources: Banco Central del Paraguay and provider disclosures, 2024–2025.
How Paraguay pays
Paraguay is a cash-heavy market that is digitizing quickly. Card payments run largely through Bancard, the processor owned by local banks that also operates the Infonet network and a QR payment standard used by bank apps. Mobile money matters too: Tigo Money reaches people without a bank account.
Online, many shoppers still finish an order in cash at agent networks such as Aquí Pago and Pago Express, or pay by bank transfer. 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 guaraníes.
Why merchants run on us here
Cards through Bancard
Most domestic card payments flow through Bancard, so local acquiring matters for approval rates on Paraguayan cards.
Cash-to-online
Reach cash payers who settle online orders at Aquí Pago and Pago Express agents.
QR and mobile money
Bank-app QR payments and Tigo Money extend reach beyond cardholders.
One integration, guaraní 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 Paraguay
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Paraguay like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Paraguay 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 Paraguayan guaraní (PYG) 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 Paraguay?
Talk to our payments team about going live in Paraguay — coverage, local acquiring, settlement and timelines for your business.