Chile Webpay Plus (Transbank) Fee Calculator 2026

Transbank Webpay Plus charges differentiated interchange-regulated rates based on card type: Redcompra domestic debit cards process at 1.49% + $0 CLP (or lower under TDV limits), domestic credit cards process at 2.49% + $0 CLP, and prepaid cards (MACH, Tenpo, Copec Pay) process at 1.79% + $0 CLP. All fees are subject to 19% Chilean IVA.

Following Chile's regulatory transition to the 4-part model (Modelo de 4 Partes), the processing fee is unbundled into: card brand interchange (capped by the Central Bank of Chile / CMF at 0.35% for debit and 0.80% for credit), brand licensing fees (Visa, Mastercard, American Express), and the acquirer margin (Transbank, Santander Getnet, Bci Pagos, Banco Estado Compraquí).

While Transbank remains the legacy market leader, new acquirers have introduced competitive options: Santander Getnet charges 1.29% to 2.29%, Bci Pagos offers competitive retail integrations, Mercado Pago Chile charges 2.95% to 3.19% + $0 CLP + IVA with instant daily payout, and Flow.cl charges 2.89% to 3.19% + $100 CLP + IVA for unified multi-method checkout.

Under the SII (Servicio de Impuestos Internos), payment processing commissions are subject to 19% Value Added Tax (IVA). For instance, on a $50,000 CLP transaction with a 2.49% credit fee ($1,245 CLP), the 19% IVA is $236.55 CLP, resulting in a total fee of $1,481.55 CLP. Registered Chilean businesses claim this $236.55 CLP as fiscal credit (Crédito Fiscal IVA).

Webpay Oneclick allows Chilean SaaS companies, utility providers, and subscription apps to tokenize a customer's debit or credit card. After an initial secure authentication, future payments are processed automatically in 1 click without redirecting to bank authentication portals, at standard card processing rates.

Debit transactions (Redcompra) typically settle on a T+1 business day schedule directly into your Chilean bank account (Banco de Chile, Santander, BCI, BancoEstado). Credit card payments settle within 2 business days (T+2), with daily automated deposit reports provided via the Transbank merchant portal.

Merchants can issue full or partial refunds through the Transbank portal (Anulación or Devolución). For debit cards, reversals must generally occur on the same day; after batch settlement, refunds are processed as direct bank credits taking 24 to 72 hours. Transbank does not assess punitive dispute fees for standard verified debit transactions.

Direct integration with Transbank or Getnet requires a Chilean corporate entity (RUT) and local bank account. However, international companies can accept Webpay, Redcompra, and local Chilean cards through global aggregators like dLocal, EBANX, or Stripe (via Latin American partner routing) with cross-border USD remittance.