A payment gateway is a technology that enables businesses to accept online payments by securely processing customer transactions. It serves as an intermediary between the merchant’s website or e-commerce platform and the processor, ensuring the secure transmission of sensitive information like credit card details. These solutions are crucial for facilitating fast, seamless, and secure financial exchanges across various industries. By supporting diverse methods of transaction, these platforms offer merchants the flexibility to meet a wide range of customer preferences and expand their market reach.
The best payment solution for Chile in our rating is NOWPayments because it provides strong support for both cryptocurrencies and traditional methods, allowing businesses to serve a broad spectrum of customers. Its competitive transaction fees, easy integration, and compatibility with a variety of e-commerce platforms make it a top choice for innovative Chilean merchants. NOWPayments stands out for its versatility, especially for those seeking to incorporate digital currencies alongside conventional financial systems. Its global reach and reliability have made it a top contender in the local market.
Choosing the right payment service has become more important than ever in 2026 for businesses in Chile, as the country increasingly adopts digital transactions across multiple industries. With a rapidly expanding e-commerce sector and a highly diverse consumer base, businesses require solutions that are flexible, cost-effective, and secure. Additionally, local preferences, such as the use of Chilean pesos and popular regional methods, must be considered when selecting a provider. By choosing the right platform, companies can streamline their financial operations, reduce costs, and boost customer satisfaction, ultimately driving increased sales and greater competitiveness in the market.
Here’s a list of payment gateways for Chile in 2026:
- NOWPayments
- PayPal
- Mercado Pago
- Khipu
- PayU
What We Considered When Choosing the Best Payment Gateway: Our Selection Criteria
Our goal was to create an unbiased comparison of payment solutions based on features that are critical for businesses in Chile. By focusing on the most important criteria for merchants in the local e-commerce industry, we ensured that each payment gateway was evaluated fairly, considering the most relevant factors for accepting payments in Chile.
Here are the three most relevant criteria for choosing the best payment gateway for businesses in Chile:
- Supported Assets: Essential for attracting a diverse customer base and ensuring compatibility with a wide range of payment methods, including both local and international currencies and popular options like credit and debit card payments.
- Fees: Directly impacts profitability, as merchants need cost-effective solutions to reduce payment processing fees while still offering secure online transactions.
- Transaction Speed: Vital for maintaining cash flow, offering fast online shopping experiences, and ensuring smooth payments for businesses in Chile’s growing digital commerce sector.
The comparative table below summarizes how each solution performs in these three decisive categories, which we will explore in detail for each provider.
| Payment Gateway | Supported Assets | Fees | Transaction Speed |
|---|---|---|---|
| NOWPayments | 350+ cryptocurrencies, Visa, Mastercard, PayPal | 0.5% (no exchange), 1% (with conversion); 0% network fees on USDT TRC20 deposits for 2 months | Instant |
| PayPal | Credit & debit cards (Visa, Mastercard, AmEx), PayPal balance, bank transfers | ~3.49% + variable fixed fee per transaction in many regions (may include conversion fees) | Typically instant to minutes (varies by type of transaction) |
| Mercado Pago | Visa, Mastercard, debit cards, bank transfers, digital wallet balance, QR payments, cash options via partner networks | ~2%–5% per transaction in Chile (varies by merchant volume/terms) | Quick approval and processing in checkout (seconds to minutes) |
| Khipu | Bank account transfers and prepaid cards integrated with local banks | Variable (depends on bank integration structure) | Real‑time or near‑instant settlement via bank rails |
| PayU | Credit & debit cards, online bank transfers, wallets (regional offerings) | Varies by merchant account, based on local pricing & transaction volumes | Fast for card and transfer approvals (seconds to minutes) |
NOWPayments
NOWPayments is the best crypto payment gateway that allows businesses to accept both digital currencies and traditional methods like credit and debit cards. This solution offers merchants the flexibility to cater to a diverse customer base by supporting over 350 cryptocurrencies alongside widely used options such as PayPal and Visa. It is an excellent choice for merchants in Chile and beyond who want to embrace the digital transactions landscape while keeping processing fees low. With its easy integration and high security, NOWPayments is ideal for companies seeking to expand globally and provide a range of options to attract both crypto enthusiasts and traditional consumers.
Supported Assets. NOWPayments supports a wide range of assets, including over 350 cryptocurrencies, Visa, Mastercard, and PayPal, enabling businesses to serve a broad customer base. This flexibility ensures that companies can offer multiple payment options, meeting both local and international demand. By integrating crypto alongside traditional card-based options, businesses can engage tech-savvy users while still accommodating customers who prefer conventional card transactions. This is particularly beneficial in markets like Chile, where the adoption of digital transactions is rapidly increasing.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Cryptocurrency | ✅ | ✅ |
| Credit/Debit Cards | ✅ | ✅ |
| Bank Transfer | ✅ | ✅ |
Fees. NOWPayments offers a highly competitive fee structure, with only 0.5% charged for crypto payments without conversion and 1% when converted to fiat currency. Additionally, there are no network fees on USDT TRC20 deposits for the first two months, making it an affordable solution for businesses. This low-cost structure helps businesses minimize processing fees, which can be a significant factor for companies focused on maximizing their profit margins. NOWPayments’ transparent pricing is also an advantage, as it allows merchants to plan their financial operations without unexpected costs.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 0.5% | For crypto payments without exchange |
| Conversion Fee | 1% | For converting to fiat currency |
| Network Fee | 0% | For USDT TRC20 deposits (first 2 months) |
Transaction Speed. NOWPayments ensures instant transaction processing, making it an ideal solution for businesses that require fast fund collection to maintain steady cash flow. Immediate processing is especially valuable for e-commerce merchants in Chile, as it allows them to fulfill orders more quickly and improve customer satisfaction. The ability to settle payments instantly also positions NOWPayments as a key player in the global financial ecosystem, enabling merchants to keep pace with an increasingly fast-moving market. Additionally, these rapid processing times benefit businesses involved in global trade and international commerce.
| Speed Metric | Timeframe |
|---|---|
| Payment Confirmation | Instant |
| Settlement to Account | Instant |
| Instant Payout | ✅ |
PayPal
PayPal is a globally recognized and trusted payment processor that enables merchants to accept funds from customers across the world. Its integration into e-commerce platforms streamlines online purchases for both retailers and shoppers, offering a variety of options like credit cards, debit cards, and PayPal balance. For companies operating in Chile, PayPal provides a secure and seamless system for managing international transfers, allowing firms to broaden their market reach. With robust fraud protection and widespread trust, PayPal is ideal for merchants aiming to build customer confidence while ensuring secure and reliable financial transactions.
Supported Assets. PayPal supports a wide range of transaction methods, including credit and debit card payments, PayPal balance, and bank transfers. This broad support for diverse transaction types allows merchants to accommodate a wide customer base, from local shoppers to international buyers. PayPal is particularly popular for cross-border transactions, making it a strong option for merchants in Chile who want to connect with customers around the globe. With its ability to handle transactions from various regions, PayPal offers a reliable solution for companies seeking to simplify their global commerce efforts.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Cryptocurrency | ❌ | ❌ |
| Credit/Debit Cards | ✅ | ✅ |
| Bank Transfer | ✅ | ✅ |
Fees. PayPal charges a standard fee of approximately 3.49% + a fixed fee based on the transaction’s currency. While these fees are slightly higher than some alternatives, the platform’s high security and fraud prevention measures make it a trusted option for companies handling online transactions. PayPal’s fees may increase if currency conversion is required, which could raise costs for international transfers. However, for Chilean companies with significant international trade, PayPal’s reputation and customer confidence often justify the higher fee structure.
| Fee Type | Amount |
|---|---|
| Transaction Fee | ~3.49% |
Transaction Speed. PayPal processes transactions quickly, typically confirming payments within minutes. This speed is crucial for companies that need fast processing to ensure timely order fulfillment and smooth operations. PayPal’s real-time payment processing also offers instant payouts to merchant accounts, helping maintain healthy cash flow. This rapid processing is especially valuable for businesses dealing with recurring billing or engaging in international trade.
| Speed Metric | Timeframe |
|---|---|
| Payment Confirmation | Instant |
| Settlement to Account | 1-3 Days |
| Instant Payout | ✅ |
Mercado Pago
Mercado Pago is a service provider widely used in Latin America, offering comprehensive solutions for businesses that operate in Chile. It enables merchants to accept a wide variety of payment methods, from credit and debit card payments to local bank transfers and digital wallets. Mercado Pago’s integration with Mercado Libre, Latin America’s largest e-commerce platform, provides a unique advantage for businesses looking to simplify their digital systems. Its local focus ensures that businesses can cater to Chilean consumers by offering flexible and secure methods tailored to the regional market.
Supported Assets. Mercado Pago supports a variety of transaction methods, including credit and debit cards, digital wallet balances, bank transfers, and QR code payments. The platform also accommodates local options, such as OXXO, making it accessible for consumers without access to traditional banking services. With this broad range of assets, Mercado Pago enables merchants to reach a diverse audience, from those using credit cards to unbanked customers relying on alternative methods. This versatility is essential for companies in Chile seeking to provide inclusive solutions for their customers.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Cryptocurrency | ❌ | ❌ |
| Credit/Debit Cards | ✅ | ✅ |
| Bank Transfer | ✅ | ✅ |
Fees. Mercado Pago offers competitive fees, generally ranging between 2% to 5% per transaction, depending on the merchant’s volume and the method used. While some types may incur slightly higher fees, the platform’s comprehensive support for local payment options makes it a valuable choice for merchants in Chile. The flexible fee structure allows businesses to benefit from reduced charges as their transaction volume grows. This adaptability makes Mercado Pago an attractive option for companies looking for cost-effective and efficient solutions.
| Fee Type | Amount |
|---|---|
| Transaction Fee | 2%-5% |
Transaction Speed. Mercado Pago processes transactions quickly, with most payments confirmed within seconds to minutes. This fast processing time helps businesses fulfill orders promptly and maintain a steady cash flow. Mercado Pago’s real-time processing ensures a smooth and seamless experience for customers, allowing them to complete purchases without delays. The platform’s speed is especially beneficial for companies engaged in e-commerce, where rapid settlement is crucial.
| Speed Metric | Timeframe |
|---|---|
| Payment Confirmation | Instant |
| Settlement to Account | Instant |
| Instant Payout | ✅ |
Khipu
Khipu is a Chilean financial service that specializes in facilitating direct transactions from local banks, making it an ideal solution for companies looking to simplify their collection process. By integrating directly with local banks, Khipu offers a simple, secure, and cost-effective method for businesses to accept funds from Chilean customers. This solution is particularly advantageous for merchants who want to reduce reliance on third-party processors and minimize processing fees. Khipu’s focus on local Chilean methods ensures a smooth and efficient experience for both businesses and their customers.
Supported Assets. Khipu primarily supports direct bank transactions, making it a strong choice for companies in Chile that want to serve local customers who prefer using their bank accounts. While it doesn’t offer global options like credit cards or cryptocurrencies, Khipu’s integration with major Chilean financial institutions makes it an excellent solution for companies focused on domestic dealings. The direct bank transaction system ensures that funds are securely transferred and processed quickly, eliminating the need for intermediaries. This focus on local methods helps companies avoid high international processing fees.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Cryptocurrency | ❌ | ❌ |
| Credit/Debit Cards | ❌ | ❌ |
| Bank Transfer | ✅ | ✅ |
Fees. Khipu’s fees are generally lower than international processors, with typical charges ranging between 1% and 2% per transaction. This cost-effective structure makes it ideal for merchants in Chile seeking affordable payment solutions without sacrificing security. The absence of additional setup or monthly fees allows businesses to use Khipu’s services without worrying about extra costs. Its fee transparency ensures that businesses can accurately plan for payment collection.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 1%-2% | Based on bank and transaction volume |
| Monthly Fee | ❌ | None |
| Setup Fee | ❌ | None |
Transaction Speed. Khipu offers near-instant settlement for transactions made via local bank transfers, ensuring that businesses can quickly receive funds. This rapid processing time helps businesses maintain liquidity and fulfill orders without delay. By avoiding external payment processors, Khipu eliminates additional processing time, making it ideal for merchants who need fast payment confirmations. Khipu’s direct integration with Chilean banks ensures that transactions are processed efficiently and securely.
| Speed Metric | Timeframe |
|---|---|
| Payment Confirmation | Real-time |
| Settlement to Account | Instant |
| Instant Payout | ✅ |
PayU
PayU is a global financial service provider offering flexible solutions for companies seeking to accept payments from customers across various regions, including Chile. With support for a broad range of methods, including credit and debit cards, direct bank wires, and local wallets, PayU equips merchants with the tools they need to process both local and international transactions. Its scalable platform helps streamline payment collection, improve fraud protection, and enable businesses to expand globally. With a focus on security and a comprehensive approach, PayU is an excellent partner for merchants in Chile and Latin America who require a reliable system for online financial exchanges.
Supported Assets. PayU supports a wide variety of methods, including credit and debit cards, direct bank transfers, and digital wallets, ensuring companies can cater to both local and international customers. This extensive support makes PayU a versatile solution, particularly for merchants in Chile who need to handle both domestic and global transactions. PayU’s ability to integrate local methods and offer global options enhances its appeal to companies seeking to expand their market reach. With its secure and easy-to-use platform, PayU simplifies the process of handling funds across different regions.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Cryptocurrency | ❌ | ❌ |
| Credit/Debit Cards | ✅ | ✅ |
| Bank Transfer | ✅ | ✅ |
Fees. PayU’s fees generally range from 2% to 3% per transaction, depending on the method used and the volume involved. PayU’s flexible pricing structure enables companies to expand their operations without incurring excessive costs. PayU’s competitive fees ensure that companies in Chile can process exchanges cost-effectively while maintaining secure and reliable financial interactions. The platform’s transparent pricing system allows merchants to effectively plan and avoid unexpected charges.
| Fee Type | Amount |
|---|---|
| Transaction Fee | 2%-3% |
Transaction Speed. PayU processes transactions quickly, with most confirmed within seconds to minutes. This fast processing ensures a seamless shopping experience for customers and helps companies maintain efficient cash flow. PayU’s instant payouts are especially beneficial for companies in need of immediate access to their funds. With support for both local and global monetary exchanges, PayU guarantees quick processing for merchants involved in international commerce.
| Speed Metric | Timeframe |
|---|---|
| Payment Confirmation | Instant |
| Settlement to Account | 1-2 Days |
| Instant Payout | ✅ |
Conclusion
In this analysis, we have explored the top payment methods available for businesses operating in Chile, including NOWPayments, PayPal, Mercado Pago, Khipu, and PayU. These providers offer various solutions, from local payment methods to international payment processing, each catering to different market needs. However, for businesses looking to streamline their operations while offering a seamless payment experience, NOWPayments is the best option in the Chilean market. This payment gateway solution provides an efficient and cost-effective way to manage both global and local transactions.
NOWPayments stands out due to its support for over 350 cryptocurrencies and traditional methods like credit and debit cards, making it ideal for merchants in Chile seeking to offer multiple payment methods. Its low gateway fees and instant processing times ensure that companies can provide a secure and seamless experience for their customers, whether processing payments locally or globally. With robust security, flexibility, and the ability to integrate alternative options, NOWPayments is the optimal choice for forward-thinking companies in Chile aiming for growth and innovation.