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Payments5 min read12 August 2026

Local APMs vs Cards: Which Payment Methods Actually Convert in Your Market?

In Brazil PIX converts better than Visa. In Indonesia GoPay beats Mastercard. Offering the right local payment method is the difference between 60% and 91% approval rates.

Cards are not universal

In many markets card penetration is low and cross-border card payments are declined more often. Shoppers prefer the methods they use every day.

Local winners

PIX in Brazil, UPI in India, GoPay and OVO in Indonesia and iDEAL in the Netherlands all outperform cards at checkout in their home markets.

What to do

Map your top markets, add their leading local methods alongside cards, and route each payment to the method most likely to be approved.

Have a question about your own setup?

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