Ewally

Ewally: Payment Gateway And Financial APIs For Brazilian Merchants

Ewally is a Brazilian embedded finance platform that offers online payment acceptance and modular financial services for businesses that want to collect payments, automate money flows, and integrate financial features into their products. For merchants, the core offering centers on a payment gateway (Pagamentos Online) designed for online checkout, plus financial APIs that support common transaction rails in Brazil, including Pix and boleto. Ewally also positions itself as a platform for companies that want to build broader fintech experiences, with additional modules such as digital banking and card programs.

Ewally At A Glance

• Legal entity: Ewally Instituição de Pagamento S.A.
• Founded: 2014
• Headquarters: São Paulo, Brazil
• Positioning: Proprietary embedded finance platform, described as licensed in Brazil and aligned to Bacen regulatory standards

Ewally Payment Gateway Capabilities

Online Checkout Across Devices

Ewally describes its gateway as a way to accept online payments on any device, supporting mobile and desktop experiences. The gateway is positioned for merchants that need a reliable checkout layer and the ability to integrate payment collection into e-commerce and marketplace flows.

Supported Payment Methods For Online Sales

Ewally explicitly highlights:

• Boleto Bancário
• Pix QR Code generation

These methods are frequently used in Brazil for e-commerce and invoice-style payments, and Ewally positions them as part of a secure online payment experience.

Split Payments For Marketplace Models

Ewally promotes split payments as a core capability for marketplaces and partner-led sales models. The stated value proposition is operational: route a single customer payment into multiple downstream distributions, processed according to marketplace rules. This is particularly relevant for platforms that need automated partner payouts and controlled allocation logic.

Subscription And Recurring Billing Use Cases

Ewally describes the payment gateway as applicable to subscription businesses, where recurring payments need to be managed as an automated process. The platform framing focuses on supporting periodic billing flows that help keep subscriptions active and renewals consistent.

Settlement, Reconciliation, And Cash-Flow Tools

Ewally highlights several operational and treasury-adjacent features that matter to merchants managing liquidity:

• Receivables advance (Antecipação de Recebíveis): positioned as a tool to improve cash flow by accelerating access to funds.
• Financial reconciliation (Conciliação Financeira): positioned as a way to simplify back-office matching and payment tracking.
• Automated value distribution: described as enabling automatic transfer or repasse of values, particularly relevant in split-payment contexts.

Settlement timing typically depends on commercial terms, payment method, and risk configuration, so merchants should validate the applicable payout timetable during onboarding.

Ewally Financial APIs For Payment And Money Movement

Ewally offers a set of financial APIs intended to embed transaction functionality into a merchant’s own product or workflow. The product page lists the following API capabilities:

• Boleto issuance (Emissão de Boleto Bancário)
• Bank statement (Extrato Bancário)
• P2P transfers (Transferência P2P)
• Bill payments (Pagamento de Contas)
• TED
• Pix
• Mobile top-ups (Recargas de Celular)
• Transport top-ups (Recargas de Transporte)

From a merchant architecture perspective, this positions Ewally as more than a checkout tool. It can also serve as an API layer for payment initiation, payouts, and transaction operations.

Developer Experience And Integration Model

Ewally emphasizes an API-oriented integration approach and lists developer-facing elements that are relevant to implementation teams:

• Quick implementation guides
• Code examples and samples
• Real-time webhooks
• A specialized support team for developers
• “Complete documentation” (linked from the Ewally Developers menu)
• A dedicated service availability status page

This combination is typically important for merchants running automated workflows such as payment confirmation, reconciliation, split disbursement, and post-payment operations, where webhooks are often used to keep internal systems in sync with payment events.

Security, Risk, And Compliance Posture

Ewally’s gateway positioning includes “high levels of security,” explicitly referencing encryption and protection against fraud risks. Separately, Ewally publishes a third-party information security manual that describes governance and operational controls, including:

• Incident prevention, identification, and treatment
• Business continuity principles
• Vulnerability management practices
• Use of cryptography for data at rest and data in transit
• Controlled access and formal approvals for information access
• Reporting channels for information security incidents

These disclosures indicate a structured security program designed to support regulated payment operations and third-party relationships.

Reporting, Operations, And Support

Ewally provides multiple operational and governance contact paths that are relevant for merchants:

• General service channels: contact email and WhatsApp contact reference via the same address
• Ombudsman channel (Ouvidoria): email and a published phone number
• Privacy channel: DPO email contact listed in the Terms and Privacy materials
• Information security channel: dedicated infosec email for suspected security incidents or data leaks

Ewally’s privacy disclosures describe its Brazilian base of operations, LGPD-oriented rights handling, and the possibility of international data transfers (for example, cloud hosting outside Brazil), which can be relevant for merchants with cross-border compliance obligations.

Who Ewally Typically Fits Best

Ewally is most relevant for merchants that:

• Sell online in Brazil and want Pix and boleto payment methods in checkout flows
• Operate marketplaces or partner sales models that require split payments
• Need reconciliation and receivables management features as part of operations
• Want to integrate transaction functionality via APIs, including Pix, boleto issuance, transfers, and bill payments
• Intend to expand beyond payments into embedded finance, including prepaid card programs (Elo and Mastercard) as an adjacent capability

Conclusion

Ewally presents a Brazil-focused payment acceptance and embedded finance stack that combines a payment gateway for online checkout with a broader set of financial APIs. For merchants, the most clearly stated payment acceptance components are Pix QR code generation, boleto bancário, and marketplace split payments, supported by operational features such as reconciliation and receivables advance.