LatAm Local Card Acquiring

BlueSnap supports a variety of international and local credit cards in Latin America (LatAm), allowing you to take advantage of some key benefits listed below. This section outlines which international and local credit cards are supported, and the specific requirements for your BlueSnap integration.

Benefits

Some of the benefits of taking advantage of our LatAm solution are:

Reduced costs related to pass-through tax charges
Increased sales (up to 35%) and payment conversions (up to 30%)
Reduced checkout friction by offering local currencies and payment methods
Improved conversions with local acquiring and intelligent failover logic

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Before you begin:
Contact Merchant Support or your Implementation Specialist to have LatAm processing enabled for your account.

Supported Countries and Cards

International credit cards

The following international credit cards are supported:

American Express (Amex)
Diners Club International®
Discover
JCB in select countries (consult with implementation for details)
MasterCard
Visa

Local credit cards

Local credit card processing is supported for transactions in the following countries with the specified cards.

Argentina — Amex, Argencard, Cabal, Cencosud, Diners Club International® , MasterCard, Nativa, Tarjeta Naranja, Tarjeta Shopping, Visa
Brazil — Amex, Cartão MercadoLivr, Discover, ELO, Hipercard, JCB, MasterCard, Visa
Chile — Amex, Diners Club International® , MasterCard, Visa
Colombia — Amex, Diners Club International® , MasterCard, Visa
Mexico — Amex, MasterCard, Visa

Other Payment Types

We also have other payment types available. Learn more.

❗️
Important!

To maximize payment success, match the currency to the shopper’s country.

To avoid a foreign exchange (FX) charge for your shopper, use the shopper's local currency for each transaction.

If you do use USD instead of the shopper's local currency, the bank will convert the transaction to local currency and the shopper may incur a high foreign exchange (FX) charge. To estimate the charges in your shopper's local currency, use the get-conversion-rates API command.

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Note:
Local processing in these countries is available with any BlueSnap integration, and your business does not have to be located in LatAm.

Required Information for API Integrations

To process transactions locally, you must collect the following information from your shopper and send it to BlueSnap with each transaction:

Shopper email address
Local personal identification number (for local processing in Brazil)
CVV

If you do not provide these fields, then the transaction may be processed internationally at a higher cost.

Local personal identification number

Brazil and Argentina require that the shopper provide their local personal identification number. In other LatAm countries, the personal identification number is optional. This list describes the ID types for each country:

Argentina — DNI (Required)
Brazil — CPF/CNPJ (Required)
Chile — RUN
Mexico — CURP/RFC

CVV Requirements & Recurring Payments

Recurring payments are automatically processed without the CVV because the shopper only enters this information during the first transaction. In certain LatAm countries, the local acquirers require the CVV for every transaction, meaning that recurring payments in these countries must be processed through our international acquirers.

Expired Cards

If you’re using BlueSnap’s subscription engine, a Subscription Charge Failure IPN is sent when a charge fails due to an expired card. We recommend taking the following steps to ensure the next charge is successful. Note that Account Updater is not supported for LatAm countries at this time.

Reach out to the shopper requesting updated card information.
Update the shopper's payment information via relevant API calls:

Payment API: Update vaulted shopper and subscription
Extended Payment API: Update shopper and subscription

Returning shoppers

Vaulted shoppers are fully supported for Brazil and Mexico, so you can use the same returning shopper flow that you do normally.

For Argentina and Chile, the CVV is required to process each purchase. Because BlueSnap does not store the CVV, you must collect the CVV on your checkout form and send it in with each transaction. If you do not send in the CVV, then the transaction may be processed internationally at a higher cost.

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Capturing CVV during checkout
We recommend capturing the returning shopper’s CVV during checkout and including this value within the transaction request to BlueSnap.
For examples, see:
Payment API → Auth Capture or Auth Only
Extended Payment API → Create Order or Create Shopping Context

Separate Auth and Capture

The separation of Auth and Capture is supported for Brazil and Mexico.

For Argentina and Chile, you must perform the Auth and Capture at the same time to use local processing. If you use separate Auth and Capture requests in these countries, then the transaction may be processed internationally at a higher cost.

Example requests

Payment API

Here are examples of the Create Card Transaction and Create Vaulted Shopper requests with these required fields in the Payment API:

{
    "amount": 11,
    "softDescriptor": "MyDescriptor",
    "cardHolderInfo": {
        "country": "BR",
        "firstName": "test first name",
        "lastName": "test last name",
        "personalIdentificationNumber": "11.111.111/0001-10",
        "email": "[email protected]"
    },
    "currency": "BRL",
    "creditCard": {
        "expirationYear": "2022",
        "securityCode": "111",
        "expirationMonth": "01",
        "cardNumber": "4001919257537193"
    },
    "cardTransactionType": "AUTH_CAPTURE"
}

{
    "zip": 12345,
    "country": "mx",
    "paymentSources": {"creditCardInfo": [{"creditCard": {
        "expirationYear": "2022",
        "securityCode": "111",
        "expirationMonth": "01",
        "cardNumber": "4001919257537193"
    }}]},
    "firstName": "FirstName",
    "lastName": "LastName",
    "phone": 1234567890,
    "personalIdentificationNumber": "11.111.111/0001-10",
    "email": "[email protected]"
}

Extended Payment API

Here are examples of Create Shopper and Create Order and Shopper requests with the required fields in the Extended Payment API

<shopper xmlns="http://ws.plimus.com">
  <web-info>
    <ip>62.219.121.253</ip>
    <remote-host>www.merchant.com</remote-host>
    <user-agent>Mozilla/5.0 (Linux; X11)</user-agent>
  </web-info>
  <shopper-info>
    <shopper-currency>BRL</shopper-currency>
    <store-id>4677</store-id>
    <locale>en</locale>
    <shopper-contact-info>
      <title>Mr</title>
      <first-name>John</first-name>
      <last-name>Doe</last-name>
      <email>[email protected]</email>
      <company-name>JohnDoeAndSons</company-name>
      <address1>138 Market St</address1>
      <city>Rio de Janeiro</city>
      <zip>01000-000</zip>
      <country>BR</country>
      <phone>14135556789</phone>
      <personal-identification-number>11.111.111/0001-10</personal-identification-number>
    </shopper-contact-info>
	<payment-info>
      <credit-cards-info>
        <credit-card-info>
          <billing-contact-info>
            <first-name>John</first-name>
            <last-name>Doe</last-name>
            <address1>138 Market St</address1>
            <city>Rio de Janeiro</city>
            <zip>01000-000</zip>
            <country>BR</country>
          </billing-contact-info>
          <credit-card>
            <card-number>4001919257537193</card-number>
            <security-code>123</security-code>
            <card-type>VISA</card-type>
            <expiration-month>01</expiration-month>
            <expiration-year>2022</expiration-year>
          </credit-card>
        </credit-card-info>
      </credit-cards-info>
    </payment-info>
  </shopper-info>
</shopper>

<batch-order xmlns="http://ws.plimus.com">
  <shopper>
    <web-info>
      <ip>62.219.121.253</ip>
      <remote-host>www.merchant.com</remote-host>
      <user-agent>Mozilla/5.0 (Linux; X11)</user-agent>
    </web-info>
    <shopper-info>
      <store-id>10540</store-id>
      <locale>en</locale>
      <shopper-contact-info>
        <title>Mr</title>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <email>[email protected]</email>
        <company-name>JohnDoeAndSons</company-name>
        <address1>138 Market St</address1>
        <city>Rio de Janeiro</city>
        <zip>01000-000/zip>
        <country>BR</country>
        <phone>14135556789</phone>
        <personal-identification-number>11.111.111/0001-10</personal-identification-number>
      </shopper-contact-info>
      <payment-info>
        <credit-cards-info>
          <credit-card-info>
            <billing-contact-info>
              <first-name>John</first-name>
              <last-name>Doe</last-name>
              <address1>138 Market St</address1>
              <city>Rio de Janeiro</city>
              <zip>01000-000</zip>
              <country>BR</country>
            </billing-contact-info>
          <credit-card>
            <card-number>4001919257537193</card-number>
            <security-code>123</security-code>
            <card-type>VISA</card-type>
            <expiration-month>01</expiration-month>
            <expiration-year>2022</expiration-year>
          </credit-card>
          </credit-card-info>
        </credit-cards-info>
      </payment-info>
    </shopper-info>
  </shopper>
  <order>
    <ordering-shopper>
      <web-info>
        <ip>62.219.121.253</ip>
        <remote-host>www.merchant.com</remote-host>
        <user-agent>Mozilla/5.0 (Linux; X11)</user-agent>
      </web-info>
      <fraud-info>
        <fraud-session-id>1234567890</fraud-session-id>
      </fraud-info>
    </ordering-shopper>
    <cart>
      <cart-item>
        <sku>
          <sku-id>2183634</sku-id>
        </sku>
        <quantity>1</quantity>
      </cart-item>
    </cart>
    <expected-total-price>
      <amount>11</amount>
      <currency>BRL</currency>
    </expected-total-price>
  </order>
</batch-order>

Country	Refund Period	Partial Refunds	Multiple Partial Refunds
Argentina	90 days	Yes	Yes
Brazil	90 days	Yes	Yes
Chile	90 days	Yes	Only credit cards
Colombia	90 days	Yes (minimum of $130 COPS)	Not all processors
Mexico	90 days	Yes	Yes

LatAm Local Card Acquiring

Benefits

📘
Before you begin:

Supported Countries and Cards

International credit cards

Local credit cards

Other Payment Types

❗️
Important!

📘
Note:

Required Information for API Integrations

Local personal identification number

CVV Requirements & Recurring Payments

Expired Cards

Returning shoppers

👍
Capturing CVV during checkout

Separate Auth and Capture

Example requests

Payment API

Extended Payment API

Refunds

Benefits

📘Before you begin:

Supported Countries and Cards

International credit cards

Local credit cards

Other Payment Types

❗️Important!

📘Note:

Required Information for API Integrations

Local personal identification number

CVV Requirements & Recurring Payments

Expired Cards

Returning shoppers

👍Capturing CVV during checkout

Separate Auth and Capture

Example requests

Payment API

Extended Payment API

Refunds

📘
Before you begin:

❗️
Important!

📘
Note:

👍
Capturing CVV during checkout