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Country

June 19, 2024

Brazil

When visiting Brazil, it is recommended to use a credit card for most transactions, as it is the most widely accepted form of payment. However, it is also advisable to carry cash as a backup, as some small businesses and vendors may not accept credit cards. Additionally, it's also good to have a debit card as a backup as well. Brazil's e-commerce market is growing rapidly, with mobile commerce playing a significant role. According to recent statistics, mobile commerce now represents $7.6 billion of sales in Brazil and is used for 32 percent of all e-commerce payments. Specifically, mobile commerce completed in-app accounts for $3 billion and on browsers $4.6 billion. This indicates that many Brazilian consumers are using their smartphones to make online purchases, and it's important for e-commerce businesses to have a mobile-friendly website and app to cater to this growing market. Brazil is the largest e-commerce market in Latin America and the fourth-largest internet market in the world, with a large number of enthusiastic internet users who spend an average of 25.7 hours a month online.When it comes to payment methods, Boleto bancário is one of the most popular cash-based options, with 75% of Brazilian customers preferring to use it. Boleto is a barcoded ticket that can be used at ATMs, bank agencies, post offices, lottery agencies, and through internet banking. This payment method is widely accepted by Brazilian businesses, and it is a convenient option for customers who prefer to pay in cash.

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Country

June 19, 2024

Peru

‍Peru is the fifth-largest online market in Latin America and has seen a significant increase in internet users in recent years. However, a large percentage of citizens remain unbanked, with only 47.9% of the adult population having bank accounts in 2019. Credit cards are widely accepted in major Peruvian cities for purchases such as hotel and restaurant bills, supermarkets, and tours booked with larger tour operators. However, cash is still the preferred method of payment for small transactions such as taxi fares, entrance fees, and purchases in small shops and markets. It's important to have enough coins and bills in small denominations, as well as an ID or passport on you as it might be checked. In remote areas, credit card usage might be difficult or impossible, so it's important to plan accordingly. Only 46% of the population has a bank account and 13% a credit card. Visa is the most popular card brand, with 53% of the card market, followed by Mastercard with 33% and American Express with 1%. 14% of online card payments are made with localised credit cards issued by the global brands Visa, Mastercard and American Express but restricted to domestic use. In 2019, among selected Latin American countries, Peru reported an average of 49 U.S. dollars of point-of-sale (POS) transactions. If you open a bank account in Peru, you will likely receive a local credit card that can only be used within the country and not on international websites. It's possible to receive a credit card with international coverage, but not as common. Therefore it's important to consider this when planning your trip to Peru.

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