How to streamline global e-commerce growth

17 / 03 / 2025

Expand your business with localised payment options.

3 min.

The rise of domestic payment methods — such as local card schemes, instant payments, and digital wallets — is reshaping global e-commerce. Consumers expect choice and seamless transactions, while businesses seek to reduce costs, improve acceptance rates, and mitigate fraud risks.

For online sellers operating across borders, this shift presents both opportunities and challenges. Adopting local payment methods is essential for meeting customer expectations and staying competitive, but it can also introduce complexity and operational hurdles.

Simplifying local payment integration

Every country has a unique payment landscape, influenced by factors such as Internet penetration, mobile banking adoption, and government regulations. As demand for fast, secure, and cost-effective payments grows, local payment schemes are becoming more popular, often offering advantages over international alternatives.

For e-commerce businesses, adapting to these market dynamics is crucial. Adopting local payment methods is key to growing your e-commerce presence worldwide.

Worldline simplifies this process by providing a single, integrated platform for managing diverse payment methods efficiently. Our solutions provide access to regional and local payment ecosystems without adding unnecessary complexity. Which means you can focus on growth, while offering customers a smooth and secure payment experience.

Let’s look at three examples of how Worldline helps retailers integrate local payment options worldwide.

1. Pix – transforming digital payments in Brazil

Launched in 2020 by Brazil’s Central Bank, Pix has revolutionised digital payments by enabling instant, 24/7 transactions without intermediaries. By the end of 2024, Pix had garnered over 160 million users, which included unbanked individuals and businesses. This innovative payment method emerged as the leading choice for both online and offline transactions in Brazil, processing an impressive six million monthly transactions as of December 2024, according to the Banco Central do Brasil.

What Pix means for sellers

E-commerce sellers benefit from lower transaction fees and being able to offer a seamless payment experience. However, integrating Pix into a global payment stack requires several important considerations. Sellers must adjust to Brazil’s unique settlement cycles, ensure compliance with data privacy (LGPD), and effectively manage localised refund and dispute processes.

How Worldline supports Pix integration

Through partnerships with local providers, Worldline enables global e-commerce businesses to accept Pix payments effortlessly. Our solution ensures regulatory compliance with Brazilian financial laws, real-time fraud monitoring for secure transactions, and seamless integration of Pix’s refund and processing requirements into existing payment flows.

2. Alipay+ – unlocking payment integration across Southeast Asia

Introduced by Ant Group in 2020, Alipay+ brings together multiple digital wallets across Southeast Asia, including:

TrueMoney (Thailand)
GCash (Philippines)
Boost (Malaysia)
Kakao Pay (South Korea)
Alipay & AlipayHK (China)

By mid-2024, Alipay+ was accepted by over 90 million retailers in 66 markets, enabling seamless cross-border transactions. [Source: Yahoo Finance]

Why Alipay+ matters for global sellers

Alipay+ simplifies payments for businesses targeting Southeast Asian consumers by enabling localised payment recognition without the need for operational changes, supporting multiple currencies and compliance requirements across different markets, and enhancing the checkout experience for Asian customers who prefer familiar digital wallets.

How Worldline integrates Alipay+

Worldline makes it easy for businesses to accept Alipay+ payments by seamlessly integrating Alipay+, removing the need for multiple regional partnerships, ensuring regulatory compliance across Southeast Asia, and offering fraud prevention measures tailored to the region.

3. Troy – Türkiye’s growing local payment network

Since its launch in 2016, Troy has significantly transformed the landscape of cashless transactions in Türkiye, achieving remarkable growth. As of September 2024, the platform has facilitated monthly transactions totalling 200 billion TRY (approximately USD 5.5 billion) [Source: Troy Ödeme]. Troy has expanded its reach globally, being accepted in 185 countries worldwide. Furthermore, the popularity of Troy cards has surged, with 50 million cards currently in circulation and projections indicating that this number is expected to double to 100 million in 2025.

Türkiye’s push for Troy adoption

From January 2025, all state-owned banks must issue Troy cards by default, and government-related payments—including salaries, pensions, and scholarships—must be processed through Troy.

How Worldline supports Troy integration

Our solution helps online businesses accept Troy payments by partnering with a local PSP to ensure smooth, cost-effective, regulatory-compliant transactions within Türkiye.

You can find a list of local payment methods offered by Worldline here.

Take the next step

Want to optimise your payment strategy? We handle every aspect of payment processing in key markets. On top of offering popular local payment options we process payments through local acquirers and ensure you receive funds in your preferred currency and bank account. Finally, we reconcile all your transactions from across the world.

Click here to learn how Worldline helps businesses expand into new markets seamlessly with local payment solutions.