QR Pay Outs, Latin America

Borderli Pay Outs lets wallets and bank apps give their users the ability to pay foreign merchants directly from their existing local app. Your user scans a merchant's QR code abroad, and Borderli reads it, resolves the payment, and pays the merchant out on that country's national rail — in real time, in-store and online.

The merchant is settled in their local currency; your user is debited in their own wallet currency, with the FX handled in the same call.

What this is

Borderli's QR Reading & Acceptance layer: you send a QR string, we return a normalized payment instruction and execute the payout. You never touch a local scheme integration, a local acquirer, or a local currency account — that's what Borderli handles.

What Pay Outs does

One integration, many rails. A single Borderli integration reaches every supported QR rail.
Local-currency settlement to the merchant. The merchant receives funds on their home rail, in their home currency, exactly as if a local customer had paid — no change to their checkout or reconciliation.
Wallet-currency debit for your user. Pass wallet_currency and Borderli returns an FX quote so your user confirms and pays in the currency they hold.
In-store and online. The same flow covers a merchant-presented QR at a physical point of sale and a QR shown at online checkout.
Real-time. Each supported LatAm rail is an instant or near-instant scheme, so payout confirmation returns in seconds.

How it works

The payout maps to three endpoints. Use the combined /v1/pay for a single round trip, or resolve → execute when you want to show your user the amount and creditor before they confirm.

Resolve — POST /v1/resolve decodes the merchant's qr_string into a normalized payment instruction: creditor, amount, currency, scheme, country, and a decode confidence.
Quote FX (optional) — include wallet_currency so the instruction carries the converted amount your user will actually pay.
Execute — POST /v1/execute (or /v1/pay) routes the payout to the creditor over the destination country's rail and returns a transaction.
Track — GET /v1/transactions/{id} returns the current status.

Latin America coverage

Borderli currently reads and accepts QR on the national rails below. Each is the interoperable instant-payment scheme of its market, so a payout reaches any merchant reachable on that rail.

Country	QR rail	Payout currency	Settlement
Argentina	Transferencias 3.0	ARS	Real-time
Brazil	Pix	BRL	Real-time
Bolivia	Interoperable QR (BCB)	BOB	Real-time
Colombia	Bre-B / Transfiya	COP	Real-time
Peru	Interoperable QR (Yape)	PEN	Real-time

The scheme and country fields returned by resolve tell you which rail a QR belongs to. For the exact scheme identifiers accepted by the API, see Supported Schemes.

Get started

Quickstart — get a working sandbox payment in under 2 minutes
API Reference — full endpoint documentation