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WorldPay, Dlocal, Ebanx, Stripe, PayU, Kushki

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WorldPay, Dlocal, Ebanx, Stripe, PayU, Kushki

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ebanx and dLocal

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D-Local (All LATAM Countries)

Ebanx (All LATAM Countries)

PayU (Colombia)

Adyen (Brazil and Mexico)

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MercadoPago EBANX Kushki Dlocal

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Adyen, Stripe, bamboo

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Worldpay with their new acquiring in Colombia

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Worldpay with their new acquiring in Colombia

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Checkout.com (Brazil)

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Strong in FX ,APM focused (+200)

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Viviana - For international merchant dLocal and Ebanx are stronger because of their FX solution. With PayU we are kind of similar, a lot os local and regional merchants in Latam

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Viviana - For international merchant dLocal and Ebanx are stronger because of their FX solution. With PayU we are kind of similar, a lot os local and regional merchants in Latam

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dLocal- Price, Product availability, Speed to launch

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Product focused in Latam region

FX solution

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modern and new companies. Coming from Tier1 markets and making noise. Nuvei still quite unknown in the region

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Mercadopago- aggresive promotions for installments.

Worldpay - strong in the the travel sector, good product integrations

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Availability of blended rates in Latam, competitive international cards pricing

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Availability of blended rates in Latam, competitive international cards pricing

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D-Local (All LATAM Countries) -> Cross-Border Focus. FX solution with very clear cPanel.

Ebanx (All LATAM Countries) -> Cross-Border Focus. FX solution with very clear cPanel.

PayU (Colombia) -> Cross-Border and Local Focus. Very pricing agressive and automated on-boarding solution.

Adyen (Brazil and Mexico) -> Local markets and ecommerce focus. Automated on-boarding solution.

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Global acquiring license. Global player. Coverage. Sales team personal network.

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International processing (US and EU).

Global footprint.

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24/7

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Relanshioship with sales team

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Global acquiring coverage / Fast go-to-market, unified platform

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Global acquiring coverage / Fast go-to-market, unified platform

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Multiple account fees and a commitment fee

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Viviana - Pricing, product capabilities ( payment ecosistem, and capabilities as promotions and installments) marketplace solution (split payments capabilities)

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Viviana - Pricing, product capabilities ( payment ecosistem, and capabilities as promotions and installments) marketplace solution (split payments capabilities)

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Manual reports provided via excel.

High pricing in Colombia and Brasil.

Lack of product features (Installments and bank promotions in Argentina).

Lack of blended pricing.

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Multiple account fees and a commitment fee

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Multiple account fees and a commitment fee

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Pricing, Nuvei fees are higher than their current providers or domestic bank acquirers. 

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Pricing, Nuvei fees are higher than their current providers or domestic bank acquirers. 

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we don't necessarily get objections to launch because the sales team make an amazing job of selling our product. Problem might come on launching said product and enable for the merchant, where it takes us over 6 months, even 1 year to actually have it ready. (OxxoPay, Mexico crossborder for MC, Installments in Colombia, etc...)

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Product readiness in each market. FX fees transparency and functionality. Installment functionalities. Pricing.

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Pricing. FX transparency. APMs and product readiness in each market. Onboarding complexity.

Double taxation occurs due to the use of Cyprus to contract with Latin American merchants when they want to process through an international acquiring license. This generates overcost due to withholding taxes, which kills our competitiveness.

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Pricing especially with our Colombia acquiring

Marketplace

Split

Products that we think ( in our presentation) we have but we don't

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Sales team relationship and network. Regional and global Coverage. CPnael usability. Industry understanding.

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FX fees transparency. The MVP offering in each domestic market is not 100% covered. There is a lack of APMs or too expensive pricing.

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Viviana - Sometimes the timing for internal process in Nuvei takes a lot, as the MSA so we lose credibility ....also rolling reserve in some cases, pricing , FX and settlement time efficience

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Viviana - Sometimes the timing for internal process in Nuvei takes a lot, as the MSA so we lose credibility ....also rolling reserve in some cases, pricing , FX and settlement time efficience

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Important Payments methods we don't have.

Time to go live

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Due to pricing and the complexity of understanding the IC++ model, interchange and scheme fees are not easy for merchants to access. 

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Due to pricing and the complexity of understanding the IC++ model, interchange and scheme fees are not easy for merchants to access. 

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Global presence and working with well-known brands. One-stop shop. The adoption of POP platforms has facilitated Nuvei's entrance into many companies. Not because we have the best product and price in each market, but because we cover several markets, not only Latin America, which allows merchants to escalate their operations easily. This doesn't mean we will be the preferred partner, but we will be chosen because of this.

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They sign prices we consider "won", we take too long to launch and by then, we need to correct prices (no longer competitive) and we end up losing or handing over the opp to another competitor.

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Viviana - Commercial relationship , acquiring in Europe, high risk industries supported

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Viviana - Commercial relationship , acquiring in Europe, high risk industries supported

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Mainly due to the personal network of our sales people in the market.

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Expansion probability

sales relantionship

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Api capabilities like partial refunds, auth+capture

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Api capabilities like partial refunds, auth+capture

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FX management and efficiency. Available functionalities in each of the Latin American markets. Authorization optimization through approval retry.

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Merchants feel confident and supported, they also appreciate the option to integrate through orchestrators and they like cPanel

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Merchants feel confident and supported, they also appreciate the option to integrate through orchestrators and they like cPanel

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Commercial relationship

Good Branding

Merchants portafolio

Local expertise

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Split

chargeback guarantee

omnichannel

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FX transparency.

Fees clarity.

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Viviana - Experience in some models as crossborder, to manage FX, taxes, intermpany structure

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Viviana - Experience in some models as crossborder, to manage FX, taxes, intermpany structure

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Integration with PMS

Chargeback warranty

Marketplace product/ split payments

Flexibility about RR

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Crypto and IA are trending topics indeed. Other countries' PIX models implementation.

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FX Management

APMs availaibity in LATAM

Taxes clarity.

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Automated financial reporting, marktplace, any uplifting products to recoup rejected transactions. Mostly how weak our product is in LATAM, even where acquirers...

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F1 Mercedes team sponsor.

Global footprint.

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Viviana  - Brands of current merchants, expertise in many industries from low and high risk, F1 sponsorship

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Viviana  - Brands of current merchants, expertise in many industries from low and high risk, F1 sponsorship

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Tax treatment efficiency. Funds expatriation.

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With global merchants, the fact that we are a challenger in the market providing alternatives from Adyen and Stripe in markets where they don't play yet.... That they see us being a global company with local experts

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The potential for scalable expansion into other regions. 

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The potential for scalable expansion into other regions. 

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the exact scope of our product/ reach

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Doing well: travel, airlines and Fintech.

Doing bad: retail

Doing ok: ecommerce

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Partners - Global company

Nuvei's Strong Brand in other regions

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Viviana - Agreed with Mafer, better understanding of our current product value proposition in terms of payment methods, payment flows, integration capabilities, etc

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Viviana - Agreed with Mafer, better understanding of our current product value proposition in terms of payment methods, payment flows, integration capabilities, etc

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AI

Cripto

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Cripto

Tax efficiencies on cross-border.

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Viviana  - in addition of IA and Crypto,  I think local regulation as in Latam it changes a lot

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Viviana  - in addition of IA and Crypto,  I think local regulation as in Latam it changes a lot

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Tax efficiency, instant payouts, and new features about to launch. For example, Bre-B in Colombia. 

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Tax efficiency, instant payouts, and new features about to launch. For example, Bre-B in Colombia. 

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Mexico we've been successful on ecommerce platforms (Etomin) and while we do not implement our direct acquiring we've been losing opportunities with PSPs entering Mexico (Ebanx and others).

Brasil: Pricing and lack correct partners on acquiring side have been preventing us to win deals.

Mexico, Colombia, Peru, Chile and Argentina we've been facing challenges to win large retail and ecommerces due to lack of APMs availability or when it's available price is not competitive.

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Viviana - Marketplaces: not doing well ; Colombia in many case we have issues but more in terms of pricing because of the IC++ ; Argentina: Not ready for international merchants from any industry; 

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Viviana - Marketplaces: not doing well ; Colombia in many case we have issues but more in terms of pricing because of the IC++ ; Argentina: Not ready for international merchants from any industry; 

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Mexico we are doing good.

Colombia we can have better fees with our acquiring with all verticals

Airlines I can see we are doing great