EBANX
EBANX is a Latin American payment gateway that connects global businesses with local consumers. Founded in Brazil in 2012, it has become one of the key fintech players in the region, offering cross-border processing for companies that want to sell in markets like Brazil, Mexico, Colombia, and Chile.
The platform allows merchants to accept local payment methods that are often not available through traditional international gateways. These include boleto bancário in Brazil, OXXO in Mexico, and local debit cards. By doing so, EBANX removes friction for customers who prefer cash-based or domestic solutions instead of international credit cards.
For global merchants, EBANX simplifies settlement in multiple currencies while handling compliance and tax obligations in each market. Its client base includes well-known brands in retail, SaaS, streaming, and digital services, all aiming to tap into the fast-growing Latin American consumer base.
| Characteristic | Details |
|---|---|
| Regions | Latin America (Brazil, Mexico, Colombia, Chile, Peru, Argentina, others) |
| Getting started | Online application via EBANX Merchant portal |
| Commission per transaction | 2.65%–4.99% + fixed fee (varies by country & method) |
| Payment methods accepted | Credit cards, debit cards, boleto, PIX, OXXO, local bank transfers |
| Fraud & Risk management | Built-in risk engine, 3D Secure, monitoring |
| Accepted Currencies | USD, BRL, MXN, ARS, CLP, COP, PEN |
| Set up type | API / Hosted checkout |
| Onboarding & Approvals time | 1–2 weeks |
| Recurring Billing | Yes |
| Charges on Refunds | Transaction fee non-refundable |
| SDK Stacks | Java, PHP, Python, Ruby, .NET |
| Settlement time | 7–15 business days |
| Payouts support | Yes |
| Split payments | Yes |
| RegionsLatin America (Brazil, Mexico, Colombia, Chile, Peru, Argentina, others) | |
| Getting startedOnline application via EBANX Merchant portal | |
| Commission per transaction2.65%–4.99% + fixed fee (varies by country & method) | |
| Payment methods acceptedCredit cards, debit cards, boleto, PIX, OXXO, local bank transfers | |
| Fraud & Risk managementBuilt-in risk engine, 3D Secure, monitoring | |
| Accepted CurrenciesUSD, BRL, MXN, ARS, CLP, COP, PEN | |
| Set up typeAPI / Hosted checkout | |
| Onboarding & Approvals time1–2 weeks | |
| Recurring BillingYes | |
| Charges on RefundsTransaction fee non-refundable | |
| SDK StacksJava, PHP, Python, Ruby, .NET | |
| Settlement time7–15 business days | |
| Payouts supportYes | |
| Split paymentsYes |
Pros
- Strong presence in Latin America
- Supports local cash and card methods
- Easy integration with SDKs
- No setup or annual fees
- Good fraud prevention tools
Cons
- Settlement times can be long
- Fees vary and are relatively high for some methods
- Limited coverage outside Latin America
- Refund fees non-refundable
- Approval process may take weeks
Benefits of Using EBANX for Business
EBANX gives merchants direct access to Latin American consumers who often lack access to international credit cards. By supporting cash-based methods like boleto and OXXO, it opens sales channels that global providers usually ignore. Businesses benefit from faster market entry, localized compliance, and a simplified reconciliation process.
The gateway also helps companies manage currency fluctuations and settlements. Its fraud prevention engine reduces chargebacks, while its recurring billing system supports SaaS, subscription, and streaming services. Overall, EBANX bridges the gap between global commerce and local financial ecosystems.
How to Use EBANX Integration
Merchants can sign up online and integrate EBANX through APIs, SDKs, or hosted checkout pages. The integration process is straightforward for most platforms, and EBANX offers documentation and developer support.
Once approved, businesses can configure local payment options per country. Customers see familiar payment methods, improving conversion rates and reducing cart abandonment. The system also allows refunds, recurring billing, and real-time transaction monitoring.
EBANX Review and User Reviews
EBANX is often praised for enabling global merchants to succeed in Latin America. Reviews highlight its simple setup, strong local payment coverage, and reliability. However, some businesses note slow settlement times and higher transaction fees compared to domestic processors.
For companies expanding into emerging markets, EBANX remains a solid partner with deep regional expertise. The tradeoff comes in cost and payout speed, which can impact cash flow for smaller businesses.
Safety and Customer Service
There have been no major data breaches or high-profile theft cases associated with EBANX. The company applies PCI DSS standards, encryption, and anti-fraud monitoring. It has faced occasional customer complaints regarding payment delays and refunds, but not systemic security incidents.
To strengthen trust, EBANX expanded its risk management system with AI-based fraud detection, two-factor authentication, and mandatory 3D Secure where applicable. This proactive stance has helped maintain credibility and protect both merchants and customers.
Account Fees and Pricing Structure
EBANX does not charge setup or annual fees. Fees are transaction-based and vary by country and payment method. Refunds incur costs since transaction fees are not reimbursed. For recurring payments, standard processing fees apply.
EBANX for Business and Market Expansion
EBANX is designed for international businesses that want to localize their checkout in Latin America. It supports ecommerce, SaaS, digital content, marketplaces, and streaming services.
Its ability to handle payouts and split payments makes it useful for platforms that work with multiple vendors. The service is not aimed at very small merchants, but more at mid-sized and enterprise-level companies.
Which Type of Business
Best suited for online retailers, digital service providers, and subscription platforms looking to expand into Latin America. Not ideal for micro-merchants outside the region or for physical stores without ecommerce operations.
EBANX for Physical Clients vs Digital Services
EBANX is not a point-of-sale solution. It focuses on online payments only. For physical clients, EBANX may be useful if paired with ecommerce, but it does not provide in-store card readers or cash registers.
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FAQ
Is EBANX safe to use for global merchants?
Yes, EBANX follows PCI DSS compliance and applies encryption, fraud monitoring, and 3D Secure. While no major breaches have been reported, settlement delays occasionally concern merchants. The company invests heavily in risk prevention to maintain its reputation.
How long does settlement take with EBANX?
Settlement usually takes 7–15 business days, depending on the country and payment method. This is longer than domestic gateways but typical for cross-border providers. Businesses should plan their cash flow accordingly.
What makes EBANX different from PayPal or Stripe?
Unlike global gateways, EBANX focuses on local payment methods in Latin America. This includes boleto, PIX, and OXXO, which Stripe or PayPal often do not support. This specialization makes it valuable for companies targeting regional consumers.
Does EBANX support recurring payments for subscriptions?
Yes, EBANX provides recurring billing options. This makes it suitable for SaaS, streaming, and digital subscriptions. Businesses can configure flexible billing cycles depending on local regulations.
Are there hidden fees?
EBANX does not charge setup or annual fees. The main costs come from transaction fees, which vary by country and method. Refunds are charged since transaction fees are not refunded. Merchants should review the pricing per market before integrating.
