Remake of Competitive Focus Groups...Latam by

dLocal, Ebanx and PayU

2025-07-08 16:08:05 UTC

Dlocal , Mercado pago, Ebanx, Payu

2025-07-08 16:08:24 UTC

WorldPay, Dlocal, Ebanx, Stripe, PayU, Kushki

2025-07-08 16:08:49 UTC

WorldPay, PayU, dLocal

2025-07-08 16:09:04 UTC

MAFER

2025-07-08 16:09:20 UTC

ebanx and dLocal

Daniel Moretto

2025-07-08 16:09:30 UTC

D-Local (All LATAM Countries)

Ebanx (All LATAM Countries)

PayU (Colombia)

Adyen (Brazil and Mexico)

Sebastian

2025-07-08 16:09:51 UTC

MercadoPago EBANX Kushki Dlocal

Adyen, Dlocal, Worldpay, Stripe

2025-07-08 16:10:01 UTC

Stripe & Shift4

2025-07-08 16:11:03 UTC

Prontopago

2025-07-08 16:11:20 UTC

Prontopago

2025-07-08 16:11:22 UTC

Bamboo for Latam

2025-07-08 16:11:35 UTC

Bruna

2025-07-08 16:11:45 UTC

Adyen, Stripe, bamboo

Worldpay with their new acquiring in Colombia

2025-07-08 16:12:10 UTC

2025-07-08 16:12:54 UTC

Checkout.com (Brazil)

Bamboo

2025-07-08 16:14:34 UTC

Strong in FX ,APM focused (+200)

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

2025-07-08 16:14:41 UTC

Mafer

2025-07-08 16:14:56 UTC

dLocal- Price, Product availability, Speed to launch

Bruna

2025-07-08 16:15:09 UTC

Product focused in Latam region

FX solution

2025-07-08 16:15:23 UTC

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

Adyen and Stripe strong product

2025-07-08 16:16:31 UTC

Mercadopago- aggresive promotions for installments.

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

Availability of blended rates in Latam, competitive international cards pricing

2025-07-08 16:16:31 UTC

2025-07-08 16:16:35 UTC

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.

2025-07-08 16:18:08 UTC

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

2025-07-08 16:19:12 UTC

International processing (US and EU).

Global footprint.

global coverage

2025-07-08 16:20:33 UTC

Global support team

2025-07-08 16:21:03 UTC

24/7

Bruna

2025-07-08 16:21:08 UTC

Relanshioship with sales team

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

2025-07-08 16:21:17 UTC

2025-07-08 16:22:56 UTC

Multiple account fees and a commitment fee

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

2025-07-08 16:23:08 UTC

2025-07-08 16:23:09 UTC

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.

Multiple account fees and a commitment fee

2025-07-08 16:23:29 UTC

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

2025-07-08 16:23:37 UTC

Mafer

2025-07-08 16:23:39 UTC

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...)

2025-07-08 16:23:44 UTC

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

2025-07-08 16:24:58 UTC

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.

2025-07-08 16:24:58 UTC

Pricing especially with our Colombia acquiring

Marketplace

Split

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

2025-07-08 16:26:04 UTC

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

Chb guarantee

2025-07-08 16:27:19 UTC

2025-07-08 16:27:34 UTC

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

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

2025-07-08 16:28:49 UTC

Bruna

2025-07-08 16:28:55 UTC

Important Payments methods we don't have.

Time to go live

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

2025-07-08 16:28:56 UTC

2025-07-08 16:29:48 UTC

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.

Mafer

2025-07-08 16:30:27 UTC

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.

Cpanel functionalities

2025-07-08 16:30:32 UTC

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

2025-07-08 16:30:39 UTC

Mafer

2025-07-08 16:31:03 UTC

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

Bruna

2025-07-08 16:31:05 UTC

Expansion probability

sales relantionship

Api capabilities like partial refunds, auth+capture

2025-07-08 16:31:08 UTC

2025-07-08 16:31:56 UTC

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

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

2025-07-08 16:31:58 UTC

2025-07-08 16:32:25 UTC

Commercial relationship

Good Branding

Merchants portafolio

Local expertise

Bruna

2025-07-08 16:33:26 UTC

Split

chargeback guarantee

omnichannel

2025-07-08 16:33:40 UTC

FX transparency.

Fees clarity.

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

2025-07-08 16:33:42 UTC

2025-07-08 16:34:13 UTC

Integration with PMS

Chargeback warranty

Marketplace product/ split payments

Flexibility about RR

2025-07-08 16:34:15 UTC

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

2025-07-08 16:35:27 UTC

FX Management

APMs availaibity in LATAM

Taxes clarity.

MAFER

2025-07-08 16:35:28 UTC

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

2025-07-08 16:36:10 UTC

F1 Mercedes team sponsor.

Global footprint.

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

2025-07-08 16:36:54 UTC

2025-07-08 16:37:26 UTC

Tax treatment efficiency. Funds expatriation.

2025-07-08 16:37:26 UTC

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

The potential for scalable expansion into other regions.

2025-07-08 16:37:58 UTC

2025-07-08 16:38:34 UTC

the exact scope of our product/ reach

2025-07-08 16:38:55 UTC

Doing well: travel, airlines and Fintech.

Doing bad: retail

Doing ok: ecommerce

Bruna

2025-07-08 16:39:25 UTC

Partners - Global company

Nuvei's Strong Brand in other regions

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

2025-07-08 16:39:53 UTC

2025-07-08 16:40:29 UTC

Cripto

2025-07-08 16:42:24 UTC

Cripto

Tax efficiencies on cross-border.

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

2025-07-08 16:43:04 UTC

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

2025-07-08 16:45:54 UTC

Marketplace

2025-07-08 16:46:11 UTC

2025-07-08 16:46:34 UTC

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.

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;

2025-07-08 16:46:40 UTC

Bruna

2025-07-08 16:47:09 UTC

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