Ecart Pay

Ecart Pay Overview For Merchants

Ecart Pay is a Mexico-based payments platform that helps businesses accept and manage online payments. Ecart Pay positions itself as a single platform for payment processing, payment links, invoicing in multiple countries, and connecting external payment gateways. Ecart Pay supports acceptance in pesos and dollars, and publishes transparent base rates for Mexico.

What Ecart Pay Is

Ecart Pay is presented as an online payment processor with modules for:

• Payment processing for ecommerce and software platforms

• Payment links for one-off and remote payments

• Subscriptions and recurring charges

• Interest-free installments in Mexico through MSI

• Invoicing with country-specific tax formats

• A gateway connector to unify reporting across multiple processors

The company indicates it launched in 2022 and shows corporate details as Ecart Pay, S.A.P.I. de C.V. The developer documentation also notes that Ecart Pay is part of Grupo Tendencys and highlights a presence in more than 10 countries.

Coverage And Countries

Ecart Pay publicly lists invoicing coverage for more than 10 countries, including Mexico, Chile, Colombia, Argentina, Guatemala, India, United States, Canada, Spain, and Brazil. The platform supports accepting payments in pesos and dollars. Coverage for processing methods is described primarily for Mexico; invoicing coverage does not imply local acquiring in each country, so merchants operating cross-border should confirm local acceptance and settlement before launch.

Supported Payment Methods

Ecart Pay documents the following acceptance options for Mexico:

• Cards: credit and debit cards, including American Express

• Cash payments: at 300+ affiliated retail locations

• Bank transfers: SPEI and STP

• Account-to-account experiences: CoDi and DiMo

• Payment links: configurable links with optional amount, currency, and expiry

• Subscriptions and scheduled recurring payments

• Interest-free installments: MSI configuration via API

For payouts and withdrawals, Ecart Pay supports sending funds to a bank account via CLABE or to a debit card, which merchants configure in the dashboard or via API.

Pricing And Fees

Ecart Pay publishes an entry-level public rate card for Mexico, plus a volume plan. Headline items include:

• Card payments in MXN:

  • Domestic cards: 2.9% + 3.70 MXN + VAT per transaction

  • International cards: 3.9% + 3.70 MXN + VAT per transaction

  • American Express: 3.5% + 3.70 MXN + VAT per transaction

• Payments in USD: 5% + 0.20 USD per transaction

• Bank transfers: 15 MXN per transaction

• Cash payments: 2.9% + 6.50 MXN + VAT per transaction

• 3D Secure authentication: 1.40 MXN + VAT per authentication

• Subscriptions module: 99 MXN + VAT per month

• Chargebacks: 300 MXN + VAT plus 15 USD per chargeback

• Volume plan: custom pricing based on transaction volume

Rates are posted for Mexico and may differ by method, currency, and risk profile. VAT applies to MXN fees. For other countries or high-volume quotes, Ecart Pay directs merchants to sales.

Integration Options

Ecart Pay provides multiple paths to integrate:

• Hosted and API checkouts: The “Checkouts” and “Payments” APIs cover pay-ins, refunds, and updates.

• Payment links: Create links with currency and expiry settings, then monitor status via API.

• Ecommerce plugins: Public integrations are listed for Shopify, WooCommerce, PrestaShop, and VTEX.

• Webhooks: Events for transaction and subscription lifecycles.

• JavaScript SDK and tokenization: Front-end SDK for capturing card details and tokenizing for recurring use.

• Gateway connector: A module to connect external processors for consolidated reporting when selling outside Mexico.

Documentation includes endpoint references, sandbox keys, and a “Try It” API playground.

Security, Compliance, And Authentication

Ecart Pay describes an in-house security layer called E-Secure that combines rules-based controls, device fingerprinting and proxy detection, customizable allow- and deny-lists, and 24/7 transaction monitoring by analysts. The platform supports 3D Secure authentication and charges a per-authentication fee when used.

Ecart Pay displays PCI DSS and Visa badges and references the CNBV in its footer and pages. PCI DSS is the card-industry security standard for handling cardholder data, and 3D Secure is used to authenticate cardholders and reduce fraud. As with any provider, merchants should request current certificates and clarify whether Ecart Pay acts as the PCI DSS card-data environment or requires merchants to use the hosted fields and tokenization SDK to minimize scope.

Payment Experience And Fraud Controls

From the merchant’s perspective, Ecart Pay focuses on approval rates and fraud minimization in Mexico:

• E-Secure rules: Time, geolocation, amount, and IP-based anomaly detection

• Device and proxy checks: Fingerprinting to flag suspicious environments

• Managed lists: Permissive and blocking lists for cards, IPs, and emails

• 3D Secure: Additional step-up where liability shift and issuer authentication are useful

• Analyst oversight: 24/7 monitoring, particularly helpful during ramp-up and promotions

Merchants can tune acceptance and step-up flows using MSI and 3D Secure to balance conversion and risk.

Invoicing And Tax Documents

A core differentiator is Ecart Pay’s invoicing module for more than 10 countries. The dashboard allows merchants to configure the tax keys for each jurisdiction and generate compliant invoices from the same platform used to process payments. This is distinct from a full accounting system but can simplify order-to-cash workflows when selling across Latin America and select international markets.

Subscriptions And Installments

Ecart Pay supports:

• Subscriptions: Create and manage recurring charges through APIs and dashboard

• MSI installments: Set up interest-free and fixed-installment options, retrieve current configuration, and define custom MSI setups via dedicated endpoints

These controls enable local financing experiences in Mexico and automated invoicing for recurring services.

Settlement, Payouts, And Reconciliation

Ecart Pay exposes withdrawal endpoints and dashboard features to:

• Add and manage withdrawal destinations: CLABE bank accounts or debit cards

• Retrieve payout histories for reconciliation

• Generate transaction summaries filtered by currency

Public pages do not specify settlement cut-offs or funding timelines. Merchants should confirm funding schedules by country, currency, and method during onboarding.

Who Ecart Pay Is A Good Fit For

Based on publicly available materials, Ecart Pay fits merchants who:

• Sell in Mexico and need mixed acceptance across cards, SPEI, CoDi, DiMo, and cash

• Want interest-free installments through MSI and recurring billing

• Value a single portal to consolidate multiple processors when operating internationally

• Need built-in invoicing aligned to local rules across Latin America and select global markets

For enterprises with existing acquirers in different countries, the gateway connector can centralize reporting without replacing current providers.

Conclusion

Ecart Pay presents a Mexico-centric payment stack with multi-method acceptance, MSI, subscriptions, and invoicing for more than 10 countries. The platform offers published pricing in MXN for cards, transfers, and cash, with additional USD pricing for dollar transactions and a custom plan for high volumes. Integration options span plugins, hosted and API checkouts, webhooks, and a tokenization SDK to reduce PCI scope. For regional merchants and cross-border operators that need both acceptance and compliant invoicing from one dashboard, Ecart Pay is a practical option worth evaluating alongside funding SLAs and country-specific coverage.