Payments Flow

As an API-first solution, ALPS empowers businesses to process and manage incoming cash flows with efficiency, security, and without development constraints.

This flexibility enables companies to automate and streamline their collection workflows, delivering a smooth, frictionless experience for both merchants and end users.

Key Roles:

Shopper:
The end user who initiates and completes the payment process via one of the gateways integrated with ALPS. Their experience is designed to be secure, fast, and frictionless, with access to a variety of payment methods depending on their country. The available methods are defined by the configured Channels.

Merchant:
The business or organization that requires ALPS to process payments made by shoppers. Merchants integrate ALPS to access a unified API that supports multiple local payment methods across LATAM.

ALPS (API):

ALPS serves as the core payment orchestration layer, acting as a connector between merchants, local providers, and shoppers. It facilitates regional payments by offering:

• Standardized APIs
• Local provider integrations
• Regulatory compliance per market
• End-to-end traceability and operational transparency

Partner/Provider:

A local payment service that executes the payment transaction. Providers are responsible for adapting to local preferences, regulatory nuances, and settlement mechanics. Examples include:

• Nuvei (Peru)
• Transbank (Chile)

Each provider handles:

• Local payment methods
• Country-specific flows
• Regulatory requirements

Webhook Payment Notification:

A real-time notification system that delivers transaction results to the merchant’s server via webhook. This mechanism is configured during onboarding and allows the merchant to:

• Receive confirmation of payment status
• Trigger business logic (e.g., order fulfillment)
• Ensure transparency and full traceability