EBANX

EBANX Overview For Merchants

EBANX is a cross-border payment service provider focused on helping global merchants accept and disburse local payments in rising markets. The platform offers pay-in and payout capabilities, coverage across Latin America and parts of Africa plus India, and integrations designed for both enterprise and ecommerce stacks.

Where EBANX Operates

EBANX positions its coverage in 29 countries, primarily across Latin America and Africa, with service for India in South Asia. EBANX’s market pages highlight local payment behaviors and method availability by country, reflecting a strategy centered on connecting international brands to domestic consumers via familiar local options.

Practical Implications

• You can localize checkout experiences market by market without opening local entities in most cases.

• Method availability, settlement options, and timelines vary by country and product configuration, so scoping by priority markets is essential during integration planning.

Payment Capabilities

EBANX provides a broad portfolio of pay-in methods and payout options tailored to local preferences and rails.

Pay-In: 200+ Local and Card Methods

• Cards and Installments. Acceptance for major international schemes plus selected local schemes, with installments where locally customary. Installments are configurable in the API and developer guides, enabling higher-ticket purchases to be split into monthly payments.

• Alternative and Instant Payments. Support for digital wallets, instant account-to-account rails and vouchers in key markets. Examples include Pix and Boleto in Brazil, OXXO in Mexico, and PSE/SPEI style bank transfers in Colombia and Mexico. Method documentation provides confirmation windows, settlement rules, and country availability.

• Hosted and Link-Based Checkout. Payment Links allow you to generate EBANX-hosted pages from the Dashboard for lightweight use cases, invoicing, and remote sales.

• Google Pay and Web Components. Integration guides cover Google Pay with the Direct API and EBANX.js hosted fields for tokenization, reducing PCI data exposure in your stack.

Payouts and Disbursements

• Local Payouts. EBANX Payouts enables payments to partners, suppliers, contractors, creators, and other payees in supported countries. Features include single and mass payouts and options to fund the payout balance via international wires or from your collected pay-ins.

• Operational Controls. API endpoints support balance transfers from settlement to your payouts balance and programmatic reconciliation.

Recurrence, High Order Value, and B2B

• Recurring Billing. Card tokenization and retry logic support subscription models. Documentation also covers recurring flows for selected local methods, with unified reconciliation to track bill-runs across countries.

• High-Value and B2B Payments. Specific solutions are described for high-ticket and B2B transactions, reflecting local preferences like installments for large purchases and bank transfers for invoice-driven flows.

Integration Options And Developer Experience

EBANX supports multiple integration paths to fit different commerce architectures.

Direct API and Developer Docs

• Direct API. REST endpoints cover payment creation, query, refunds, FX rate checks, bank lists, and payout operations. The developer portal provides OpenAPI specs, environment setup steps, and method-specific guides.

• Payment Type Codes. A maintained catalog of payment type codes maps methods and countries, helping your engineering team implement country-specific options accurately.

• Installments and Tokenization. Feature guides detail parameters for installments and card tokenization using EBANX.js, which replaces sensitive PAN data with tokens you can store for future charges.

Ecommerce Plugins and Channel Partners

• Shopify. An official Shopify guide walks through configuration to process in multiple Latin American markets from the Shopify admin.

• Partner Integrations. EBANX integrates through channel partners and orchestration platforms, and also supports Payments by Link for non-cart scenarios.

Settlement, Reconciliation, And Reporting

Cross-border settlement and finance operations are central to EBANX’s proposition.

• Settlement Options. EBANX’s materials describe international, domestic, or mixed funds settlement, with USD commonly referenced for cross-border settlement. Some industry pages note settlement in the merchant’s currency or local currencies depending on product and market. During onboarding, EBANX aligns currency and settlement flows with your operating model.

• FX And Treasury. API endpoints provide exchange rate queries for transparency. Pay-in funds can be converted and remitted to your international entity per product rules.

• Unified Reconciliation. Dashboards and reports consolidate payments, refunds, chargebacks, and payouts. Documentation and industry pages emphasize unified reconciliation across markets to reduce operational overhead.

Fraud, Risk, And Compliance

Operating across rising markets requires robust risk controls and compliance hygiene.

• Fraud And Risk. EBANX publishes a dedicated Fraud and Risk Management section describing multi-layered controls and AI-assisted screening tuned for local patterns. Performance features like smart routing and acquirer redundancy appear across product pages.

• PCI DSS Considerations. EBANX provides tokenization and hosted fields through EBANX.js that help reduce PCI scope in your environment. EBANX’s content also includes explainers on PCI requirements and references to compliance practices in its industry pages and policy documents.

• Security And Privacy. EBANX’s Information Security Policy and merchant Data Processing Agreement outline governance, regulatory alignment, and data protection obligations. These artifacts are useful for your vendor risk assessments and contractual due diligence.

• Regulatory Nuance By Country. EBANX’s market pages and legal terms highlight that product availability and specific features can depend on local regulation and industry, so validation per country is part of implementation planning.

Key Use Cases And Merchant Profiles

EBANX’s product set aligns with several common expansion patterns.

• Direct-to-Consumer Ecommerce. Local card acceptance, alternative payments like Pix, Boleto, OXXO, and bank transfers, plus installments to increase conversion and average order values.

• Subscriptions And Digital Goods. Tokenization, retry logic, and local wallets for recurring revenue in streaming, SaaS, and gaming.

• Marketplaces And Creator Platforms. Mass payouts to suppliers and creators with local methods and configurable funding.

• Travel And High-Ticket. Installments, bank transfers, and risk controls for larger purchases and invoice-style flows.

Why Choose EBANX For Emerging-Market Expansion

EBANX combines broad local-method coverage across Latin America and parts of Africa plus India with developer-friendly integration options. The platform supports 200+ methods including cards, instant payments, and mobile money, offers settlement and payout workflows for cross-border models, and publishes detailed documentation for installments, tokenization, and payment type codes. For merchants prioritizing reliable local acceptance and unified reconciliation in rising markets, EBANX provides a cohesive route to market with tooling for finance, risk, and engineering teams.