Chile's Centro de Compensación Automatizado processed more than 1.8 billion transactions in 2025. This represents a 21% increase from 1.482 billion in 2024. CCA set a single-day record of 8.3 million transactions during the year. The company is owned in equal thirds by Banco de Chile, Banco Santander-Chile, and BCI. In 2024, total CCA throughput was valued at USD 317.8 billion, with value growing 22% year-on-year.
TEF instant transfers account for approximately 85% of CCA's total transaction volume. The remaining flow is batch processing under the Cámara de Pagos de Bajo Valor framework, covering PAC automatic debits, scheduled credit transfers, and direct debits. The Banco Central de Chile established the CPBV regulatory framework in 2022. CCA began settling CPBV transactions through the LBTR real-time gross settlement system in March 2024.
Shinkansen received CMF authorization as Chile's second CPBV in January 2024, the first fintech-operated clearing house in the country. Visa and Mastercard both obtained clearing house authorization in 2025. Chile now has approximately 53.5 million accounts capable of electronic transfers. Four authorized clearing operators now serve the market.
Person-to-person TEF volume grew 18.4% year-on-year to 989 million transfers in the twelve months through March 2025. Digital payments per capita reached a record 374 annually. Batch-specific volumes for the CPBV channel remain unreported separately from TEF, leaving the addressable market for new entrants difficult to quantify.