Getting paid in Peru with Yape: one click, 46% more revenue

Getting paid in Peru in one click: how Yape On-File lifted creator revenue by 46%

In Peru, 77% of adults use Yape. Only 4% hold an international credit card.

Those two numbers, side by side, explain most of what has gone wrong with subscriptions in Latin America over the past decade. It was never that people didn't want to pay. It was that recurring billing was tied to a piece of plastic most of them don't have.

Today we can tell you how we fixed it, and what happened next.

What we launched with EBANX

Together with EBANX we rolled out Yape On-File in Peru: a one-click checkout on top of the Yape wallet.

The mechanism is simple to explain and anything but simple to build. On the first purchase, the buyer's credentials are securely tokenised. From then on, every subsequent payment is a single tap: no scanning a QR code again, no jumping to another app, no re-entering details.

It's built for the kind of customer we serve at Kunfupay, our international payments platform: online educators, subscription businesses and community owners. People whose business doesn't depend on selling once, but on getting paid every month without friction.

The results, four months in

The market context around it (Peru figures, not ours):

The number we care about most isn't the first one. It's the third.

A 95% approval rate means 95 out of every 100 payment attempts actually go through. And a subscription almost never churns because the customer got bored: it churns because a payment fails, nobody retries it, and the customer doesn't find out until they're already gone. Every point of approval is a subscriber who is still there next month.

Why this matters beyond Peru

For years, the subscription model in emerging markets was capped by card penetration. If your country had low card adoption, your market didn't exist for the subscription economy. It was that simple, and that unfair.

What Yape On-File proves is that the limit was technical, not cultural: by bringing *on-file* tokenisation — something card networks have done for decades — to a local wallet, recurring billing works without traditional banking infrastructure.

And it works better. When a wallet approves more payments and reaches more people than a card network, the question stops being whether the wallet-first approach will reach emerging markets. It becomes how long until it is the default.

Our partnership with EBANX has been active since February 2025 and now covers eight Latin American markets: Brazil, Mexico, Colombia, Argentina, Chile, Peru, Ecuador and Bolivia. Beyond Yape, the infrastructure supports Pix in Brazil, OXXO Pay in Mexico and Nequi in Colombia, plus bank transfers and local card networks. Creators get paid in their currency; their audience pays in theirs. If you are weighing your options, see how Kunfupay compares to Stripe.

What you don't see: the months in beta

It's worth saying the part that doesn't make it into press releases.

We have spent months in beta working with the biggest payment providers in Latin America. Almost all of them sell the same line: "one integration for the entire region".

Of the ones we tried ourselves, that rarely held up: every country demanded different local methods, user flows were confusing, the QR experience added friction at the exact moment of payment, and "real-time" payments were not always real time.

For a business selling across several countries, that isn't one integration: it's a tangle of integrations, operational workarounds and lost conversion.

EBANX was one of the few companies that listened when we proposed concrete changes to their implementation. They helped us test, we iterated together, and the result shows where it counts: in how the end customer pays, not in how the product looks in a sales deck.

That, in the end, is the only real advantage a small fintech has: sweating the detail nobody else looks at.

The fintech press picked it up

The launch was covered by Merchant's Eye, the specialist outlet in the FF News network, on 22 September 2026, under the headline "EBANX and Kunfupay Drive 46% Revenue Growth in Peru via One-Click Yape Checkout".

The article reports the integration figures and quotes Sebastian Fantini, Director of Product at EBANX:

"Beyond the wallet's penetration, Yape On-File enables a frictionless, one-click checkout for every subsequent payment by securely tokenising users' credentials after the first purchase. This is a transformative model for a platform like Kunfupay, where creators need seamless recurring transactions to retain their audiences."

— Sebastian Fantini, Director of Product, EBANX

An international payments outlet describing Kunfupay as a "financial operating system for digital creators" based in Barcelona and Curitiba doesn't change the product. But it does say something about where the conversation is: payment infrastructure in emerging markets has stopped being a niche topic.

👉 Read the full story on Merchant's Eye

What this means if you sell to Latin America

Three practical takeaways, if your business collects money across the Atlantic:

We are still chasing the same goal we started with: that any digital business can create a payment link that actually works across Latin America, without building a separate integration for every country.

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