LPM in iGaming Media Buying: How to Choose a Payment Method in 2025 and Secure Your Payouts

Publication date: 05 Jun 2025

An offer may seem perfect: fresh, with a bonus, and aligned with a hot GEO, but deposits may fall short of expectations. The problem may not be the traffic, but the payment method. In iGaming, Local Payment Methods (LPM) make all the difference: the wrong choice means lost payouts. On 3S.INFO you will find effective LPMs for 2025, regional specifics, trends and restrictions to consider.

Signs of Payment Problems

Popular local payment methods are not only user conveniences; they are key to conversion. In Brazil, it’s Pix; in India, UPI; in the CIS, Qiwi, SBP, and others. If the payment method doesn’t match the habits of the audience, the offer simply won’t work, regardless of the traffic quality. Key indicators to look out for include:

• High decline rate: Numerous payment declines;
• Sessions interrupted before checkout;
• Users complain to customer service or social networks;
• Declining conversion rates: Fewer transitions from clicks to registrations or deposits.

These signs indicate that the payment method may be failing and warrant further investigation.

Key Considerations for Media Buyers to Prevent Payment Methods Impacting CR

Issues affecting payment efficiency:

Mismatch with Local Habits

• Brazil: 89% of payments go through Pix (Central Bank of Brazil, 2024).
• India: UPI processes approximately 6 billion transactions per month (NPCI, 2024).
• Mexico: OXXO (cash payments through retail networks) is widespread.
• Germany: SEPA transfers and Giropay are popular.
• France: 60% of cashless payments are done via Carte Bancaire (CB), with e-wallets (Skrill, Neteller) also favored.
• UK: Open Banking grew to 14.5 million transactions in January 2024, but cards (Visa/Mastercard) and e-wallets still dominate.
• Germany: SEPA, direct debit, bank transfers.
• Indonesia: QRIS (unified QR-code for banks and wallets) is standardized, but for gambling, digital currencies and bank transfers are more common due to restrictions.

Check current payment methods through aggregators, local partners, or in your 3SNET personal account, where LPMs are listed for each offer.

• Below is a table by region, including commissions, risks and technical specifications.

Technical Limitations 

• GEO-blocking: SPEI may not function in all Mexican states. 
• Transaction Limits: OXXO accepts payments only over 50 MXN.

Interface Features

• Long redirect chains can reduce user convenience;
• Payment forms that are not optimized for mobile devices can negatively impact conversion rates.

Ways to Analyze the Situation

• Track the percentage of successful payments during checkout in trackers like Binom or Keitaro.

Note: Often, media buyers have limited access to this data.

• Compare CR before and after modifying the payment page;
• Use simulated geolocation to verify the display of payment methods, noting that real payments often require a local account. 

To prevent conversion rate losses, it’s crucial for media buyers to monitor the current situation:

• Whether key local payment methods (Pix, UPI, Nequi, etc.) are still accessible. 
• If there is an increase in payment form errors or malfunctions. 
• If new blocks or transaction limits have been introduced (e.g., Paytm or OXXO).
• Changes in behavioral metrics: decline rate, session length, and conversion to deposit.

Table: Local Payment Methods in Popular GEOs

How Operators Help Maintain Payment Conversion Rates

• Fewer redirects mean fewer lost payments.  
• Showcase the two or three most popular payment methods upfront and hide the secondary options.
• Offer alternative payment methods promptly if the original attempt fails.
• Accommodate local preferences, such as the use of QR codes for payments in Brazil.
• Respond quickly to errors and downtime.

Payment Trends in 2025: What Media Buyers Need to Know

1. CBDC (Central Bank Digital Currencies)
   China, India, and Brazil are adopting their own digital currencies. This poses a risk for shady schemes due to enhanced monitoring and a lack of anonymity. For legitimate businesses, however, it’s a plus, offering lower fees and fewer chargebacks.
2. Open Banking and API Access
   Banks in the EU, UK, and Brazil are opening APIs to allow access to accounts. Although this method is quicker and cheaper than cards, it is more difficult for offshore projects to integrate. Local aggregators and startups benefit significantly from this change.
3. QR Payments
   QR payments are gaining traction in Asia and Latin America due to their speed and convenience, especially on mobile. However, the user experience (UX) must be optimized to prevent a drop in conversions..
4. Mini-Apps and Super-Apps
   Payments are becoming more integrated into ecosystems such as WeChat, GPay, and Kaspi. While these platforms offer new entry points for media buyers, they require SDK integration and partnerships with local fintechs.
5. Telegram as a new payment and marketing channel
   Telegram is actively developing built-in payment options and mini-apps. Bots that collect payments and subscriptions and interact with audiences are particularly beneficial for media buyers in CIS countries.
6. Political Risks for Payment Gateway
   Sanctions and geopolitical tensions can disrupt international payment gateways in certain regions. While offshore projects face high risks, legitimate ventures benefit from having backup local payment methods.

Why Local Payment Methods Matter for Successful Media Buying and Payouts

Regardless of how good the traffic is, if users can’t pay, the offer won’t convert. By 2025, local payment methods will be a fundamental component of iGaming campaigns, not an optional extra. They need to be analyzed as carefully as creatives and landing pages, and they must be tailored to specific GEOs, audiences, and devices. Failing to do so can result in lost conversions, money, and time.

• If you’re already running traffic, check to see if your payment form is hurting your CR. At 3SNET, we have information on payment methods for each GEO. Contact us for advice on the most effective offers with Pix, UPI, Nequi, and other LPMs.