🎉Latam leads: according to projections from BPC🇨🇭 analysts, electronic payment growth in 2026 will be concentrated in the region

🎉Latam leads: according to projections from BPC🇨🇭 analysts, electronic payment growth in 2026 will be concentrated in the region

While the environment presents operational challenges, it remains dynamic and structurally expanding. Below are several key trends worth monitoring.

🟣 Acquiring modernization: reassessing approaches. Instead of replacing terminals, networks are focusing on building payment acceptance platforms that provide fast onboarding, flexible routing, and consolidated reporting across all channels. An example is the Chilean company KLAP🇨🇱, which upgraded its infrastructure to accept Visa and Mastercard cards.

🟣 Business orientation: in 2026, acquiring growth will focus on platforms that simplify payment acceptance for businesses, while providing banks with greater transparency in settlements, reconciliation, and risk management.

🟣 Operational challenges: retail payment environment studies indicate that many companies in the region rely on multiple gateways or processors. When acquiring environments are not designed to coordinate these connections efficiently, operational burden and risks increase.

🟣 Nevertheless, Latam is one of the most active regions in instant payments. National infrastructures such as #Pix 🇧🇷, Transferencias 3.0🇦🇷, and #Bre_B 🇨🇴 are widely adopted, covering invoicing, commercial transactions, and recurring payments.

🟣 Structural condition. Growth accelerates when instant payments evolve beyond standalone fund transfer mechanisms and become fully embedded within commerce flows, accounting reconciliation, and dispute management frameworks. In Brazil, this ecosystem has already reached a meaningful level of maturity.

🟣 Payments are becoming embedded infrastructure within transportation (for example, the Transantiago transport system in the capital of Chile🇨🇱). These are open-loop models that accept cards, digital wallets, or QR-based payments, connecting banks, public operators, and users through shared payment environments.

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