Latin American Payments Certification

The Latin American Payments Certification is a free intermediate-level, 20-minute skill test from Science of Apps. It tests Latin American payments — the region's shift from cash to digital, Brazil's Pix instant payments and features such as Pix Automático, Mexico's SPEI and CoDi, Colombia's Bre-B and other instant rails, card networks, installments (parcelado) and local acquiring, boleto bancário and cash vouchers, digital wallets such as Mercado Pago and Nubank's ecosystem, open finance in Brazil, cross-border payments, FX and local entities, payment orchestration and local payment methods for e-commerce, fraud and chargebacks, regulation by central banks, and financial inclusion — written to Banco Central do Brasil, Banco de México, IDB and BIS guidance for 2026 and 2027. Score 70% or more on its 20 questions to earn a verifiable Latin American Payments certificate (SOA-LAP). Every question is based on published standards and research — including Pix instant payments: statistics and rules (Banco Central do Brasil), Latin America and Caribbean economic outlook and trade (Inter-American Development Bank), SPEI and CoDi: Mexico's interbank payment systems (Banco de México) — and each answer is explained with its source.

Science of Apps offers a free Latin American Payments Certification, written for 2026 and 2027. It tests payment rails, wallets, open finance and cross-border, risk, regulation and inclusion and strategy for merchants and fintechs with 20 original scenario questions in all, each naming its published source; you get an instant score and a verifiable certificate with a credential ID you can add to LinkedIn.

Read the four skill areas on this page, then take the 20-minute test online — no fee, course or sign-up. You see every answer explained when you finish. Score 70% or more and you get a Latin American Payments certificate straight away, on screen, as a PDF and by email, with a credential ID anyone can verify.

Yes. The questions are original scenarios written by Science of Apps, and each one is based on a public source you can read: Pix instant payments: statistics and rules (Banco Central do Brasil); Latin America and Caribbean economic outlook and trade (Inter-American Development Bank); SPEI and CoDi: Mexico's interbank payment systems (Banco de México); World Economic Outlook (International Monetary Fund); Digital financial services and financial inclusion research (CGAP); General Data Protection Regulation (full text) (gdpr-info.eu). The source is shown under each question and linked in the answer review. Science of Apps doesn't copy questions from other tests.

Four skill areas with five questions each, drawn from a bank of 10 per area so a retake brings new questions: Payment Rails (Instant payments, Cards and installments and Cash-based methods); Wallets, Open Finance and Cross-Border (Digital wallets, Open finance and Cross-border and FX); Risk, Regulation and Inclusion (Fraud and chargebacks, Regulation and Inclusion); Strategy for Merchants and Fintechs (Market entry, Pricing and economics and Product design). Every question is an original scenario written to the 2026–2027 standard, with the published source named under it.

Payments or fintech product manager, E-commerce or merchant payments lead, Fintech founder or investor in Latin America, Banking, acquiring or PSP professional and Payments analyst or student. It suits students at leading universities, career switchers and experienced professionals who want quick, verifiable proof of Latin American Payments knowledge in 2026 and 2027.

Students at national flagships and diaspora students at tier-1s abroad search for 'doing business in X' and local-market skills in their own language. Passing earns a founder-signed Science of Apps certificate with a credential ID and QR code that recruiters can verify.

Brazil's instant payment system, launched by the central bank in 2020, which lets people and businesses send and receive money 24/7 in seconds using keys such as phone numbers, email, tax ID or QR codes, usually free for individuals.

Paying by card in interest-free monthly installments (parcelado) is deeply embedded in Brazilian consumer behaviour, so offering it can significantly raise conversion and order values.

Yes. The test is online, in English and free everywhere — people take it from India, the US, the UK, Europe, Africa, Latin America and Asia-Pacific. Your certificate is dated with your own local date and can be verified from anywhere at scienceofapps.com/certification/verify/.

20 questions — 5 from each of 4 skill areas — with a 20-minute limit. You need 70% (14 of 20) to pass and 90% for distinction.

We rate it Intermediate: assumes hands-on experience in the role. It has 20 scenario questions — 5 from each of 4 skill areas — and a 20-minute limit. You need 70% (14 of 20) to pass and 90% for distinction.

Nothing. There is no fee to take a test, to receive the certificate, to have it emailed or to verify it, and no sign-up.

On our server, not in your browser. The answers never reach the page until you submit, so a certificate can only be earned by passing. Each certificate gets a unique credential ID stored by Science of Apps.

You see your score for each area and every question with the correct answer and why, with the published source behind it. You can retake after 30 minutes, and the retake draws questions you haven't seen yet.

No. Every certificate is dated, so it always shows when you passed. Retake a test any time for a newer date or a higher score.

Yes. After you pass, Add to LinkedIn opens the Licenses & certifications form with the certificate name, Science of Apps as the issuer, the issue date, your credential ID and the verification link filled in. You can also download it as a PDF or PNG, and it's emailed to you as a PDF.

Every certificate has a credential ID and a QR code. Scanning it, or entering the ID at scienceofapps.com/certification/verify/, shows the holder's name, the certification, the score and the issue date from our records.

No. They are Science of Apps' own assessments of applied skill. They aren't issued by a university or standards body, and they work best alongside a portfolio that shows the skills in real work.