Latin America just opened up. Moreta Pay is now officially live across Brazil, Argentina, Peru and Bolivia, with Colombia coming soon. That means travelers, expats and digital nomads can now scan and pay using the same QR networks locals use every day, from a Pix code in São Paulo to a Yape transfer in Lima, all from the same Moreta wallet you already use across Asia.
No local bank account. No currency exchange counters. No more juggling six different apps depending on where you happen to be that week.
Why Latin America, and Why Now?
If you've spent any time in the region recently, you already know the answer. Latin America has quietly become one of the most exciting digital payment markets in the world. Brazil's Pix processes billions of transactions every month and has all but replaced cash for everyday spending. Argentina's payment ecosystem is split across a handful of major wallets that locals switch between depending on the store. Peru runs on Yape and Plin. Bolivia is rolling out interoperable QR codes through the central bank.
The problem? None of those networks were built with foreign visitors in mind. Most of them require a local CPF, DNI, RUC or similar national ID just to sign up. Tourists have historically been stuck pulling cash from ATMs with brutal fees, watching unfavorable exchange rates eat into their budget or fumbling with credit cards at the small percentage of merchants that actually accept them.
Moreta fixes that. One app, one wallet, every major QR network in the region.
Which Networks Are Supported
Each country in Latin America has its own payment standards, and Moreta now plugs into the major ones in each market:
Brazil — Pix QR codes, the country's instant payment system run by the Central Bank of Brazil
Argentina — Mercado Pago, Ualá, MODO, Personal Pay and BNA+
Peru — Yape and Plin, the two dominant mobile wallets used by tens of millions of Peruvians
Bolivia — Interoperable BCB QR codes and $imple
Colombia — Coming soon
If you're paying at a merchant that uses any of the above, you're covered. You scan the same way you would at home, confirm the amount, and Moreta handles the rest.
How It Works
If you've used Moreta in Asia, nothing about the flow will surprise you. The steps are the same:
Top up your Moreta wallet in your home currency using a bank transfer, debit card or your usual payment method.
Open the app and scan any supported QR code at a merchant. This works at restaurants, market stalls, convenience stores, rideshare apps, hotels and pretty much anywhere locals are paying digitally.
Review the details — the amount in local currency, the exchange rate and the merchant name.
Swipe to pay. The transaction settles in real time and you get a receipt instantly.
QR transactions in Latin American markets carry a flat 1.5% fee, which is still well below what you'd pay in ATM withdrawal fees, foreign transaction fees and exchange rate markups stacked together. To start transacting, just make sure you've updated to the latest version of the app from the App Store or Google Play.
Where You Can Actually Pay
The short version: almost anywhere locals can. QR payments have spread so widely in Latin America that you'll often find them at places you wouldn't expect.
A few examples of where Moreta works on the ground:
Street food stalls, bakeries and corner shops
Cafés, restaurants and bars across major cities and small towns
Supermarkets, pharmacies and convenience stores
Local markets, from San Telmo in Buenos Aires to Mercado de Surquillo in Lima
Taxis, rideshare apps and intercity buses
Hostels, hotels and guesthouses
Online platforms for delivery, e-commerce and ticketing
In Brazil especially, Pix coverage is nearly universal. You'll see the little Pix logo taped to cash registers, printed on receipts, taped above ATMs and stuck on the side of food trucks. You can pay your way through an entire trip without ever opening your wallet.
What You'll Save Compared to the Alternatives
Most travelers don't realize how much paying abroad actually costs until they look at the statement later. ATM withdrawals in Brazil, Argentina and Peru typically carry both a fee from the local bank and a fee from your home bank, plus exchange rate markups that can quietly add 3 to 5 percent on top of every withdrawal. Credit cards, where accepted, hit you with foreign transaction fees and dynamic currency conversion if you're not careful.
Argentina is its own special case. The country's parallel exchange rate situation has made paying with foreign cards a notoriously confusing experience, with rates that can swing wildly depending on the day and the method. Moreta gives you a single transparent rate before every payment, no surprises after the fact.
One Wallet That Travels With You
What makes this launch matter isn't just that Moreta works in a new region. It's that the same wallet balance you've been using to pay PromptPay in Thailand, QRIS in Indonesia or QR Ph in the Philippines now works across South America too. You don't need a separate balance per country. You don't need to convert funds between regions. You top up once, and your money moves with you.
That's especially useful if you're the kind of traveler who's bouncing between continents. Plenty of digital nomads spend half the year in Southeast Asia and the other half exploring South America. Plenty of long-haul travelers are doing the Buenos Aires-to-Bangkok-to-Bali loop right now. Moreta's the one app that follows you the whole way.
Getting Set Up Before You Go
If you're already a Moreta user, just update the app. The new networks will appear automatically the next time you open it.
If you're new:
Download Moreta from the App Store or Google Play.
Create an account and verify your identity with a quick selfie and a passport scan.
Top up your wallet.
Start scanning the moment you land.
We always recommend funding your wallet before you travel so you're ready from the airport.
What's Next
Colombia is the next country joining the list, and we're working on more across the region after that. If there's a specific country, network or use case you want to see Moreta support, let us know. The team genuinely reads every piece of feedback that comes through the Help Center and our community channels, and a lot of what gets shipped starts as a user request.
For now, though, Latin America is open. Pack light, leave the cash at the ATM and pay the way locals do.
