Sources: Banco Central del Uruguay and provider disclosures, 2024–2025.
How Uruguay pays
Uruguay is one of the most banked and card-friendly markets in Latin America. Visa and Mastercard sit alongside local brands such as OCA and Creditel, and the 2014 financial inclusion law pushed salaries, benefits and everyday spending onto debit cards, backed by VAT reductions for card payments. Prices are quoted in pesos, with US dollars common for larger purchases.
Online, shoppers pay by card, often in cuotas (installments), through Mercado Pago, or in cash at the dense Abitab and RedPagos agent networks. For an enterprise merchant, the value is coverage and approvals: cards, wallets and local methods behind one integration, routing across acquirers, frictionless 3DS and retries, with Spanish-language checkout and settlement in pesos or dollars.
Why merchants run on us here
Local and international cards
Accept Visa, Mastercard and local brands such as OCA, with installment plans that Uruguayan shoppers expect at checkout.
Cash at agent networks
Reach shoppers who prefer cash through Abitab and RedPagos, which take payments at agents across the country.
Mercado Pago
Mercado Pago is a familiar wallet for Uruguayan online shoppers, alongside cards on file.
One integration, peso or dollar settlement
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 Uruguay
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Uruguay like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Uruguay through a single API — no separate contract or integration per provider.
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 Uruguayan peso (UYU) 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
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
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 Uruguay?
Talk to our payments team about going live in Uruguay — coverage, local acquiring, settlement and timelines for your business.