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Peru
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Welcome to 8B — a trusted cross-border payment provider combining global-grade technology with deep local market access.
If you’re expanding into the region — across e-commerce, travel, gaming, digital services, or platforms — 8B makes it easy to accept local payments, send payouts with confidence, and manage all financial flows through a single, unified solution.
Built for Today’s Most Dynamic Sectors
Extend your reach with a comprehensive set of local wallets, bank rails and alternative payment methods preferred by consumers.
Payments & Payouts
Manage everything - customer payments, partner payouts, contractor disbursements - through one unified platform.
Cross-Border Business Payments
Retail & E-commerce, Gaming & Travel Payments, PSPs
Deliver a fast, frictionless checkout experience optimized for high-volume online transactions.
Settle globally and pay out locally with full transparency, strong compliance and efficient routing across payment ecosystem.
Entering a new market doesn’t need to be complicated. 8B gives you secure infrastructure, intuitive tools and the complete suite of Local Payment Methods your customers trust — no credit cards required.
Give shoppers the payment options they use every day:
Extend your reach
Bank transfers in Peru allow users to send and receive money electronically between bank accounts. They can be initiated through online banking platforms or mobile apps provided by financial institutions such as BCP, Interbank, BBVA, Caja Arequipa, and others. The process is generally straightforward: users select their bank, input necessary details, and complete the transaction.
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Reasons for Popularity
BCP has one of the largest branch and ATM networks in Peru, it offers a highly advanced digital banking platform that includes the BCP app
Interbank leverages cutting-edge digital banking solutions, delivering a user-friendly mobile app that offers real-time transaction alerts, personalized financial insights, and advanced security features
As part of the BBVA Group, BBVA Peru leverages international expertise and resources to offer a divrse range of global banking services and investment opportunities.
Caja Arequipa specializes in microfinance and is actively involved in local communities, offering financial education.
Agente KasNet functions as a multi-bank correspondent, enabling customers to conduct various banking operations such as bill payments, money transfers, and cash withdrawals at local businesses like bodegas, pharmacies, and other commercial establishments.
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Reasons for Popularity
Accessibility: The network is designed to enhance financial accessibility, especially in areas where traditional banks are less available. This is crucial for residents in remote locations and urban areas alike
Diverse Services: KasNet offers over 49 different services, including payments for utilities and other essential transactions, making it an attractive option for everyday financial needs
Interbank cash payments represent a vital component of Peru's financial landscape. They cater to both urban and rural populations by offering a secure, efficient means of transferring funds while promoting greater financial inclusion across the nation.
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Reasons for Popularity
Financial Inclusion: With a large segment of the population lacking access to traditional banking services, interbank cash payments provide an alternative that bridges this gap
Security and Trust: Many consumers in Peru continue to prefer cash due to concerns about online transaction security
Banco de Crédito del Perú (BCP) is a leading financial institution in Peru, offering a variety of payment methods, including cash payments. Despite the growing trend towards digital transactions, cash payments remain significant due to cultural preferences, trust issues with online transactions, and limited banking access for many consumers.
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Reasons for Popularity
Accessibility: With a considerable portion of the population lacking access to banking services, cash remains an essential payment method for many
Integration with Digital Systems: BCP has integrated cash payment options with its digital platforms, allowing users to transition smoothly between cash and digital payments when necessary
The system allows consumers to make online purchases by generating a unique code for their transaction, which they can then pay at designated physical locations such as banks and convenience stores. Once the payment is confirmed, the e-commerce site processes the order, making it a secure option for consumers who prefer cash over digital payments
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Reasons for Popularity
As part of the Scotiabank Group, it benefits from international reach and expertise
Growing E-commerce: As online shopping increases, so does the need for reliable payment methods. Cash payments provide a bridge for those who may not have access to credit cards or bank accounts but still wish to engage in e-commerce
As of the end of 2023, BBVA served over 8 million customers in Peru, reflecting its extensive reach and the popularity of its services, including cash payments. The bank's approach focuses on meeting diverse financial needs, which includes catering to those who prefer cash transactions.
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Reasons for Popularity
Integration with Local Payment Systems: BBVA’s collaboration with local payment systems enhances its service offerings, making it easier for users to conduct transactions in a familiar manner
Gradual Transition to Digital Payment Methods: Cash remains a dominant form of payment as consumers adapt to new technologies at their own pace
Tambo is a Peruvian store chain offering an alternative payment method that allow users to conduct online transactions using cash. This system involve purchasing payment vouchers or codes with cash, which can then be used for e-commerce.
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Reasons for Popularity
Convenience: The ability to pay at physical locations using cash offers a straightforward solution for those who may not be comfortable with or have access to digital payment methods. Locations such as convenience stores and supermarkets facilitate these transactions
Agora is a comprehensive e-wallet application in Peru designed to simplify financial management and daily tasks for its users. The app has over 5 million downloads.
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Reasons for Popularity
The app integrates multiple services, including debit and credit cards, savings accounts, rewards programs, and even food delivery
Agora allows users to make cashless payments, transfer money without fees, scan QR codes for purchases, and access a digital savings account with an annual interest rate of 6% without maintenance costs
BIM (Billetera Móvil) is Peru's first fully-interoperable national mobile money platform, launched in February 2016.
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Reasons for Popularity
The platform allows users to store and transfer money using their mobile phones without needing a traditional bank account
Users can perform various transactions such as cash-in, cash-out, person-to-person transfers, buying airtime, and paying for services like electricity and water bills
IzipayYA (formerly known as Tunki) is a digital wallet developed by Banco Internacional del Perú (Interbank). izipayYA has over 5 million downloads on the Google Play Store.
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Reasons for Popularity
The app supports payments for over 800 services, including utilities (water, electricity, gas), university fees, and more
Users can access payments from any digital wallet through a single QR code
Kontigo is a Peruvian fintech company offering an innovative digital wallet and prepaid Mastercard solution to improve financial accessibility in Peru.
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Reasons for Popularity
Kontigo enables users to make online and in-store purchases, pay bills, and manage subscriptions like Netflix or Spotify, and also supports international transactions
Plin is one of Peru's leading digital wallets supported by several major banks, including BBVA and Scotiabank. PLIN offers functionalities such as sending money, paying bills, and making purchases.
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Reasons for Popularity
Digital wallets like PLIN have played a crucial role in advancing financial inclusion in Peru, with over half of the adult population using these tools
PLIN's success is largely due to the mandated payment interoperability by Peru's Central Reserve Bank (BCRP). This allows seamless transactions between PLIN and other platforms like Yape
Yape is a digital wallet developed by Banco de Crédito del Perú (BCP), one of the largest banks in Peru. Yape is widely used for both personal and business transactions.
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Reasons for Popularity
Yape allows users to make transactions without requiring traditional bank accounts and addresses the needs of the unbanked population, which constitutes about 40% of adults in Peru
Yape has significantly contributed to Peru's e-commerce growth: introduction of features like Yape Tienda and Yapecard has enabled users, including the unbanked, to participate in online shopping
Yape continues to innovate by integrating microloans, discounts, and other financial services into its platform, making it a versatile "superapp" for users across Latin America
Built for Developers
Modern APIs, clean documentation and rapid integration.
Built for Finance Teams
Automated reconciliation, transparent reporting and streamlined settlements.
Built for Customers
Trusted local payment methods, smooth checkout journeys and fewer abandoned carts.
