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Industry scenario

Ecommerce and DTC payment route checklist

What payment stack should an ecommerce or DTC merchant validate before selling physical goods into a new country?

BrazilMexicoColombiaPeruChileIndiaIndonesiaPhilippinesThailandVietnam

Priority markets

Payment needs

  • Checkout coverage across cards, local wallets, instant bank transfers, cash vouchers, QR payments, and BNPL where customers expect them.
  • Order-state handling for authorization, pending cash voucher, delayed bank transfer, cancellation, partial refund, full refund, and chargeback events.
  • Integration routes that fit the storefront stack, including hosted checkout, plugins, APIs, payment links, and local acquiring partners.
  • Reconciliation across order management, warehouse release, shipping status, refund, dispute, settlement currency, FX, tax, and fee reporting.
  • Clear provider answers on foreign-merchant onboarding, local entity needs, restricted products, recurring charges, and consumer-disclosure requirements.

Recommended route categories

  • Start with the country page to identify dominant local customer methods, then compare PSPs that can connect those methods for the merchant's entity country.
  • Shortlist one international PSP for cards and global fallback coverage, plus one or more local PSPs or acquirers for market-specific methods.
  • For Latin America, explicitly compare instant transfer, cash voucher, local card, and marketplace-friendly PSP routes instead of treating cards as the only checkout layer.
  • For South and Southeast Asia, compare wallet, QR, bank transfer, and local card routes and verify whether cross-border onboarding is available.
  • Use provider contact pages to collect official forms or docs, then ask for written confirmation before engineering work begins.

Provider selection questions

  • Can you board our entity country for physical-goods ecommerce in each buyer market?
  • Which payment methods can be offered through one contract, and which require a separate local partner, bank account, tax registration, or platform account?
  • How are pending cash voucher and bank-transfer orders expired, cancelled, or reconciled against warehouse release rules?
  • Which refund, partial refund, chargeback, fraud, reserve, tax invoice, and reconciliation exports are available?
  • Can your plugin or API support our storefront, mobile checkout, currency display, order management, and customer-support workflow?

Risk and compliance notes

  • Physical-goods merchants still need product-category review; do not assume general ecommerce approval covers regulated goods, cross-border shipping, supplements, cosmetics, medical products, or high-return categories.
  • Cash voucher and bank-transfer methods can create pending orders; merchants should define inventory reservation and expiry rules before launch.
  • BNPL, wallet, and local acquiring options may depend on local terms, consumer-credit rules, refund workflows, and provider underwriting.
  • Public pricing is only a screening input; written provider quotes should name the country, industry, volume, settlement currency, taxes, FX, refunds, and disputes.

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