Peruvian Sol (PEN)
Published processing fees and market availability for the Peruvian Sol (PEN) across 11 gateways, bank acquirers, and payment rails serving Peru. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: South & Central America payments guide · All South America currencies
Who serves this currency
All 11 gateways, bank acquirers and wallets serving PEN markets, including providers with published PEN fee schedules (3) and custom/quote-only processors (8).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| NuveiMontreal-based global processor supporting 680+ local payment methods across North America, Europe, LatAm and APAC. Custom interchange-plus pricing. | Serves this market |
| Mercado PagoOnline checkout immediate payout (+18% IGV on fee); Yape supported. | Published fees |
| PayUPeru standard plan (+18% IGV on fee). | Published fees |
| KushkiRegional LatAm paytech & direct acquirer founded in Ecuador. Custom enterprise and mid-market pricing across cards, cash vouchers and instant transfers. | Serves this market |
| CulqiCredicorp-backed Peruvian gateway (+18% IGV on fee); Cards, Yape, PagoEfectivo. | Published fees |
| dLocalNegotiated, contact sales. | Custom pricing |
| EBANXCross-border processor for LatAm, Africa and India with 100+ local methods (Pix, boleto, OXXO). Custom pricing; third-party reviews cite ~2.7% + $0.30 (2021 figure, verify). | Serves this market |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalAvailable to merchants in 190+ countries; receiving capability varies by country. Cross-border fees are higher than domestic. | Worldwide |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (3 of 11 providers serving PEN). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified PEN rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 11 providers serving PEN.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (8 additional providers serve PEN with custom or quote-only pricing—see all 11 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| Mercado PagoOnline checkout immediate payout (+18% IGV on fee); Yape supported. | 3.99% | PEN 1.00 | n/a | Same rate |
| PayUPeru standard plan (+18% IGV on fee). | 3.99% | PEN 1.00 | n/a | Same rate |
| CulqiCredicorp-backed Peruvian gateway (+18% IGV on fee); Cards, Yape, PagoEfectivo. | 3.44%+0.55% international cards | PEN 0.75 | n/a | +0.55% |
Monthly, plan & setup fees (PEN)
5 of 11 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| NuveiVaries by region & acquiring package | Bank MID / custom | Custom / quote | Custom |
| Mercado PagoPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| PayUPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| KushkiRegional LatAm enterprise acquiring & aggregator contract | Bank MID / custom | Custom enterprise contract | Custom |
| CulqiPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| dLocalCross-border & local LatAm/emerging market enterprise contract; min. volume applies | Bank MID / custom | Custom enterprise contract | Custom |
| EBANXEnterprise cross-border & local rail processing contract | Bank MID / custom | Custom enterprise contract | Custom |
Wallets & other payment rails — Monthly & setup fees
Peruvian Sol (PEN) payment gateway FAQs
Which payment gateways and processors serve Peru (PEN)?
Sympli5 tracks 11 payment gateways, bank acquirers, and payment rails serving Peru (Peruvian Sol, PEN), including PayPal, Adyen, Checkout.com, Nuvei, Mercado Pago, PayU and 5 others. Of these, 3 publish verifiable standard PEN per-transaction schedules and 8 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Peruvian Sol (PEN)?
Among the 3 providers with publicly verified PEN schedules, the lowest headline variable rate starts at 3.44% + PEN 0.75 via Culqi. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive PEN calculator on this page to compare exact net payouts.
Do PEN payment gateways charge monthly or setup fees?
Of the 11 providers serving PEN markets, 5 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 6 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for PEN transactions?
An international (foreign-issued) card fee applies when a customer pays your business in PEN using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In PEN, providers like Culqi (+0.55%) add an explicit cross-border card surcharge on top of their domestic rate.