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November 11, 2025

How to Offer the Right Local Payment Methods in New Markets

Learn how local payment methods and APMs improve conversion and expansion. Discover how Yuno helps businesses localize checkout in new markets.

YUNO TEAM

Expanding into new markets is one of the most exciting and complex milestones for any business. But even the most localized marketing or logistics strategy can fail if customers can’t pay the way they want. Offering the right local payment methods (LPMs) is no longer a nice-to-have, it’s a key growth driver. This guide explains how businesses can build a global checkout experience that adapts to local preferences and how payment orchestration can make it scalable, efficient, and profitable.

What are local payment methods, and why do they matter for global growth?

Local payment methods (LPMs) are region-specific ways consumers prefer to pay –  from PIX in Brazil and UPI in India, to SEPA transfers in Europe or mobile wallets like M-Pesa in Africa.

These methods account for over 70% of e-commerce transactions in emerging markets. Ignoring them means losing customers who either lack access to international cards or simply prefer more trusted, familiar options.

For global merchants, adopting LPMs improves:

  • Conversion rates, by reducing checkout friction.
  • Trust, since customers recognize and rely on local rails.
  • Market penetration, allowing faster, more compliant entry.

According to Yuno’s research, businesses offering relevant local methods can expand into new countries 3–5x faster and see up to 9% higher approval rates thanks to smarter routing and local acquirers.

How do local payment preferences differ by region?

Payment preferences are as diverse as cultures themselves:

  • Latin America: Cash vouchers (OXXO, Boleto), Pix, and digital wallets dominate.
  • Europe: SEPA, iDEAL, and open banking solutions are common.
  • Asia-Pacific: UPI, GrabPay, GCash, and regional wallets define the checkout.
  • Africa: Mobile money rules, with services like M-Pesa and Flutterwave leading the way.

Each method requires different technical integrations, fraud rules, and compliance logic. Without orchestration, these differences become operational bottlenecks. With Yuno’s unified API, merchants can activate 1,000+ methods instantly, ensuring that localization never delays go-live.

Why do many companies struggle to localize payments effectively?

Many global businesses underestimate how fragmented payments can be. Integrating new LPMs often means:

  • Multiple provider contracts
  • Custom development for each region
  • Complex reconciliation across systems
  • Inconsistent fraud prevention

These obstacles increase time-to-market and operational costs. Without a central orchestration layer, teams end up managing 5-15 PSPs, each with its own reports and compliance requirements.

How does payment orchestration simplify local payment expansion?

Payment orchestration unifies payment providers, APMs, and fraud tools into a single intelligent layer.

With Yuno’s platform, merchants can:

  • Integrate new LPMs via one API
  • Use smart routing to send each transaction to the best-performing acquirer
  • Apply region-specific compliance rules automatically
  • Monitor performance and reconciliation from one dashboard

This approach eliminates manual work and enables fast, scalable localization — turning payments into a true growth enabler.

What’s the business impact of offering localized payments?

Adding the right payment methods has a measurable impact:

  • +5-11% uplift in authorization rates through local routing
  • Up to 35% reduction in fraud losses via regional tokenization and 3DS
  • 70% faster market launches, as integrations are prebuilt
  • Higher customer lifetime value, thanks to frictionless checkouts

In short, the ROI is immediate: businesses recover lost revenue, enter new regions faster, and deliver experiences customers trust.

How does Yuno help companies manage local payments across markets?

Yuno empowers global merchants to:

  • Activate 1,000+ local and global methods in minutes.
  • Customize checkout per market with its Checkout Builder.
  • Use AI-driven routing to optimize every transaction by cost and performance.
  • Stay compliant with local data and tax regulations.
  • Access unified analytics across countries and currencies.

Companies like inDrive and Rappi already use Yuno to support rapid global expansion — achieving 90% approval rates and zero implementation time for new providers.

YUNO TEAM
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