Mass payment solutions for a Latin American network
September 04, 2026

A mass payment solution is a system for sending money to many recipients in a single run instead of processing each payment on its own. For a business comparing vendors, the real differences show up in payout coverage, how a run gets funded, and how currency conversion is handled. They rarely show up in which vendor's homepage uses the phrase first.
For a network paying recipients across Argentina, Mexico, Brazil, Colombia, Chile, and Peru, that evaluation gets harder. Publishers sit on different banking systems and currencies, and a vendor built around a single country's payout rails does not carry across the region. EukaPay sends crypto payouts to that whole recipient list from one CSV upload. The run is funded from the account's main balance, with a locked exchange rate applied by default on every conversion.
In this guide, you'll learn:
What a mass payment solution needs to cover for a network paying recipients across Latin America
How a mass run gets funded and sent, from a CSV upload to a single payout request
How EukaPay, Wise, and NOWPayments compare on payout coverage, funding, and exchange rate handling
What EukaPay does for a Latin American network operator, and how to get started
What a mass payment solution needs to cover for a Latin American network
The first question in any vendor evaluation is what the recipient actually receives, and on what network. EukaPay sends crypto payouts in USDC, USDT, ETH, and BTC, on the Ethereum, Tron, and Bitcoin networks. Asset and network are set per payout, so two recipients in the same run can receive different assets on different networks. That matters for a Latin American network. A publisher in one country and a publisher in another often hold wallets on different networks. A vendor that only sends one asset on one network cannot cover both without a workaround.
The second question is where the money for the run comes from. A
with EukaPay is funded by transferring from the account's main balance, not paid out directly from incoming collections. That separation is the two-sided float every network operator already manages. Money comes in from advertisers on one schedule and goes out to publishers on another. The payout balance is the buffer between the two, not a pass-through of whatever just arrived.
This is also where a fiat-only vendor can still be the right answer for part of a network's recipient list.
A publisher paid through a domestic bank transfer or a regional processor already has a working payout method. A network does not need to move that segment to a new rail just to consolidate vendors. The evaluation is about coverage for the recipients a current stack does not reach well, not about replacing a payout method that already works.
Fees, exchange rate handling, and integration effort
Exchange rate handling is where a mass payment solution either protects a network's margin or erodes it. EukaPay applies a locked exchange rate on every conversion by default, on pay-ins and on payouts.
Integration effort depends on how a run actually gets sent. EukaPay's Payout API creates one payout per request, so a platform's engineering team builds a loop that submits each recipient individually rather than pointing at a single endpoint that accepts a whole list. For a network that does not want to build that loop, the same run can be sent as a CSV upload in the merchant dashboard instead, with no engineering work required. Both paths use the same payout assets, networks, and funding model described above.
How to choose
EukaPay | Wise | NOWPayments | |
|---|---|---|---|
Payout assets and networks | USDC, USDT, ETH, and BTC on Ethereum, Tron, and Bitcoin | Local currency, paid to a bank account | Multiple cryptocurrencies, per its own listing |
How a run is sent | CSV upload in the dashboard, or a payout request per recipient through the API | CSV or XLSX file upload through its Batch Transfer tool | CSV upload or its own payout API |
Funding model | Transferred from the account's main balance | Wise balance or a linked bank account | Platform balance, per its own documentation |
Exchange rate on conversion | Locked by default on every conversion, pay-ins and payouts | Mid-market rate applied at transfer time | Rate applied at the time of conversion |
Refer to websites for latest information.
EukaPay is built for a network that pays recipients in crypto, or that pays across several Latin American countries and banking systems from a single account. A network whose recipients are paid exclusively through local bank transfers in one country can still get by with Wise's file-upload workflow for that segment. EukaPay is where that same network goes once it needs to add crypto payouts or reach recipients across the rest of the region.
One platform for payouts and fiat settlement across Latin America
EukaPay runs pay-ins and payouts on one platform, with instant crypto-to-fiat conversion at a locked exchange rate. That lock removes your exposure to crypto price swings. The platform supports most major cryptocurrencies on the pay-in side and settles to the merchant's own bank account in USD, EUR, GBP, and CAD. A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method.
For a Latin American network operator, that means the same account that collects from advertisers can fund payouts to publishers across the region, without reconciling a separate vendor's balance for each currency. Start with the recipients your current stack does not reach well. Use EukaPay's dashboard upload or Payout API to bring that segment onto crypto payouts, while keeping the rails that already work for everyone else.
Get started with EukaPay
Sign up for a EukaPay account at
to start sending payouts across Latin America, or read the
to see how the Payout API and the dashboard CSV upload both work.
Frequently asked questions
What is a mass payment solution?
A mass payment solution is a system for sending money to a list of recipients in one run, instead of processing each payment individually through a separate transfer.
Which cryptocurrencies can a Latin American network pay recipients in with EukaPay?
EukaPay sends payouts in USDC, USDT, ETH, and BTC, on the Ethereum, Tron, and Bitcoin networks. Asset and network are set per payout, so different recipients in the same run can receive different assets.
How does EukaPay fund a mass payout run?
The payout balance is funded by transferring from the account's main balance. It is not paid out directly from money the account has just collected.
Does EukaPay have a batch payout endpoint?
No. The Payout API creates one payout per request. A network that wants to send a full recipient list without building that request loop can upload a CSV file in the merchant dashboard instead.
Does EukaPay lock the exchange rate on crypto-to-fiat conversion?
Yes. The locked exchange rate applies by default on every conversion, on pay-ins and on payouts, so it is not something a network opts into per payment.
Can EukaPay pay recipients across multiple Latin American countries in one run?
Yes. Asset and network are set per payout, so a single CSV upload or a sequence of API requests can send different recipients across different countries, each in its own supported asset and network.
Does a crypto payout involve chargebacks?
A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method.
Do I need an engineering team to send a mass payout with EukaPay?
No. A network can upload a CSV file of recipients and amounts in the merchant dashboard. An engineering team is only needed to use the Payout API directly.
Related articles
Mass payments for a Latin American network operator
- what a mass payment run is and how it works for recipients across the region.
Global payouts: paying recipients across Latin America
- sending payouts to recipients across multiple Latin American countries and currencies.
Mass payouts for a Latin American affiliate or ad network
- the CSV upload workflow behind a network's mass payout run.
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