Does Apple Pay work in Uruguay?
Yes. Apple Pay launched on December 3, 2024 with Itaú, and Apple now lists Itaú, Midinero, OCA, Prex, Santander and Scotiabank as participating issuers. Google Pay works too, starting with Midinero prepaid cards.
In detail
Yes. Apple Pay launched on December 3, 2024 with Itaú, and Apple now lists Itaú, Midinero, OCA, Prex, Santander and Scotiabank as participating issuers. Google Pay works too, starting with Midinero prepaid cards.
How people pay in Uruguay in 2026
Toke, the bank-owned QR scheme, has struggled to win merchants, while Mercado Pago QR, Apple Pay and Google Pay grow on top of cards. Cards are how Uruguayans pay in shops, and debit leads, helped by a 2-point VAT rebate on debit and e-money payments. Locally issued cards made 99% of operations in the first half of 2026, with foreign-issued cards up 27% on tourism.
Payment by digital wallet and X-Pay in Uruguay
Apple Pay launched on December 3, 2024 with Itaú, a month after Google Pay opened with Midinero's prepaid cards, and Apple's list now includes Itaú, Midinero, OCA, Prex, Santander and Scotiabank. Cross-border wallets matter in summer: Argentine tourists can pay Uruguayan merchants by QR with Mercado Pago or MODO, and Brazilian visitors can pay with Pix at Fiserv terminals, like in Paraguay.
More detail in our #PayWorldTour guide Payment methods in Uruguay.