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Payment Methods: How to Avoid Margin Leakage in E-commerce

October 7, 2026

19 min read

The Hidden Cost of E-Commerce in Latin America: Why Your Margin Is Being Eroded by Payment Processors (and No One Is Tracking It)

How much profit are you losing every month without even realizing it? It’s a question that almost no e-commerce business in Latin America asks itself, because they track fraud, traffic, and overall conversion rates—but rarely audit the exact moment of payment, where three revenue leaks coexist simultaneously: checkout errors, poorly negotiated processing costs, and underreported fraud. If you manage payment methods for an e-commerce business, this directly affects you:

You negotiate fees without looking at the actual cost per channel.
Your actual fraud figures likely don't match what you see on your dashboard.
Your checkout process may be lowering your conversion rate without you even realizing it.
You’re choosing between a payment gateway and an aggregator based on incomplete data.

Mercado Pago, Nuvei, Fintoc, Lyra, and Klap process millions of transactions in the region, and this is what they see in their day-to-day operations—not just in product theory—regarding where margins are lost. They shared this in the webinar organized by Known Online: “The Hidden Cost of e-Commerce in Latin America: Fraud, Fees, and Conversion Rates You’re Losing Without Realizing It.”