What exactly is CacaoCash?

CacaoCash is a digital wallet built for people who travel or live in Latin America. It lets you pay with the QR codes locals use every day — Pix in Brazil, Mercado Pago in Argentina, and more — using money you load from abroad. No local bank account, no cash runs, no bad exchange rates.

How do I add money to my wallet?

Several ways — whatever's easiest for you: • ACH or SEPA bank transfer • Credit or debit card • Crypto or stablecoins (USDC and more) • SWIFT bank transfer You'll always see the exact rate and any fees before you confirm. No surprises.

Do I need to verify my identity?

Yes, once. It's a quick in-app process — a photo of your ID and a selfie. It keeps your account secure and lets us work with regulated financial partners across the region. Most people finish in under 3 minutes.

What if a payment is pending, fails, or I get a refund?

Pending payments usually clear on their own within minutes. If a payment fails, your balance is returned immediately. Refunds land straight back in your wallet — no waiting, no friction. If anything ever looks wrong, our support team is one message away.

Are there hidden fees?

Never. Before every single payment, you'll see: • The exact amount being charged • The live exchange rate • Any applicable fees What you approve is exactly what leaves your wallet. That's a promise.

How do I know my money is safe?

CacaoCash is non-custodial — your funds are never pooled with anyone else's and every transaction requires your explicit approval. Identity verification and money movement are handled by licensed, regulated partners. You stay in control at all times.

Which countries are live?

CacaoCash works today in: • 🇧🇷 Brazil — Pix • 🇦🇷 Argentina — Mercado Pago • 🇨🇴 Colombia • 🇵🇪 Peru — Yape More countries coming soon. Sign up and we'll notify you when your destination goes live.

I lost my phone. What happens to my money?

Nothing bad. Your account is tied to your identity, not your device. Just install the app on a new phone, sign in, and everything is exactly as you left it — balance, transaction history, all of it.

Yape for Foreigners in Peru: Can You Use It? (2026)

Yape is Peru's dominant mobile payment app — 17 million users, accepted at most merchants throughout the country, and deeply embedded in how Peruvians pay for everything. The good news: unlike Mercado Pago in Argentina or Nequi in Colombia, Yape does accept foreign passports for registration. The catch: you still need something most tourists don't have.

What Is Yape?

Yape is a mobile payment app owned by Banco de Crédito del Perú (BCP), the country's largest bank. Launched in 2016, it now processes over 9 million transactions daily and is accepted by merchants across Lima, Cusco, Arequipa, and throughout the country — from street food stalls to supermarkets.

Can Foreigners Use Yape?

Partially. Yape officially allows foreigners to register using either a carnet de extranjería or a foreign passport. So the ID barrier that blocks tourists in Argentina and Colombia doesn't fully apply here.

The remaining barrier: you must link a BCP debit card to fund your Yape account. Opening a BCP account as a tourist is possible but time-consuming — it involves visiting a branch, providing documentation, and waiting for card issuance. For a one or two-week trip, it's not practical.

The Practical Situation

For most short-term travelers, Yape remains effectively inaccessible because:

You need a BCP bank account and debit card (not just passport registration)
Opening a BCP account as a tourist requires a branch visit and multiple documents
Card issuance takes additional time

Long-term residents or expats with local banking may find Yape fully accessible. Tourists on short visits typically don't.

What About Plin?

Plin is Yape's main competitor, operated through Scotiabank Peru, BBVA, and Interbank. It requires an account at one of those banks — the same banking barrier applies. Not practical for tourists.

CacaoCash: No Bank Account Required

CacaoCash solves the banking step. Load it with USD or EUR from abroad, and scan any Peruvian QR code — Yape, Plin, or direct bank QRs. No BCP account, no branch visit, no waiting. Identity verification requires only your foreign passport, takes under 5 minutes, and works immediately.

For most travelers in Peru, CacaoCash is the fastest path to QR payments.