EBANX review: products, technology and pricing (2026)

EBANX is a payments company, founded in Brazil in 2012, that lets global merchants sell to consumers in Latin America, Africa and Asia using local payment methods, and pay out funds locally. Its distinctive feature is a set of direct connections to local acquirers and payment schemes, which it presents as an alternative to processing local cards from abroad.

The company reported a 48% rise in total payment volume for 2025 and opened an Asia-Pacific headquarters in Singapore in March 2026. This profile uses EBANX's own pages, documentation and newsroom.

At a glance

How the platform works

EBANX sits between a global merchant and local rails. The merchant integrates once; EBANX then routes each payment to the right local card acquirer, bank transfer scheme, wallet or cash network, and handles local fraud and compliance checks. The company says its Mexican pay-in uses more than 100 direct connections to local acquirers and aims to balance approval rates against chargeback levels. Funds are settled to the merchant in US dollars through what EBANX calls a global settlement network, and the Mexico page describes a hybrid choice of domestic, international or both.

The company launched network tokenisation for cross-border card transactions in Latin America on 11 December 2025, according to its newsroom listing. Our network tokenisation guide explains the underlying mechanism, and the Latin America local payments guide covers why local methods matter there.

Products

Pay-in

Pay-in covers cross-border collections, recurring billing for subscriptions, multi-currency sales and unified reconciliation. On the Mexico page the listed methods include Visa, Mastercard, American Express and Carnet cards with instalments, Mercado Pago, Mercado Crédito for buy now pay later, and OXXO Pay and Paynet for cash.

Payout

Payouts support single and mass disbursements in US dollars or local currency. The company says there is no minimum amount, that recipient accounts can be pre-validated automatically, and that a balance is funded by wire transfer or from processed amounts. On the Mexico page it cites a 90% average success rate for fast local payouts, without a period. The docs also describe tools for tracking payout balance, scheduled payouts and settlement history.

B2B payments, fraud and recurring

The marketing site lists a B2B payment solution, fraud and risk management with a dedicated compliance team, and recurring payments as separate product pages. Recurring Pix is a current focus: a 24 June 2026 release says Nord Security reported that Pix Automático made up 28% of its Brazilian payment volume six months after integration. Our real-time payments guide explains the wider Pix model.

Developer experience and integrations

In the Payment Page flow, the merchant's server asks the API for a unique URL, redirects the customer, and the customer is sent to a callback URL after paying. A sales engineer can apply branding and a custom subdomain. The docs list a client-side tool, ebanx.js, Postman collections, sandbox simulation, payment notifications, error handling, refunds and chargeback dispute guides, plus a "Develop using LLM" resource. The company advertises an API conversion layer that mimics the request format of an existing payment integration to speed up testing. Recent integrations announced in the newsroom include Spreedly (partnership announced 8 April 2025) and Stripe users accepting Pix in Brazil (11 August 2025).

Payment methods, currencies and coverage

EBANX's documentation says it operates in 20+ countries, and its March 2026 release says more than 20 emerging markets. An undated marketing page cites 29. We have used the dated figure. Examples of methods named in its pages and newsroom include:

A 17 April 2026 release says Malaysia and Vietnam were scheduled for the third quarter of 2026. For comparison with other regional specialists, see the profiles of dLocal and PayRetailers, and our dLocal vs EBANX comparison.

Pricing model

EBANX does not publish a rate card on the pages we opened. The pay-in page mentions no fees, and the docs assume a contract with a sales engineer. Pricing is therefore agreed with each merchant; ask for the fee schedule for each method, FX terms and any payout charges.

Company figures

The undated marketing page cites a larger merchant count, which we have not used.

Recent launches

Dates and titles are taken from the newsroom listing.

Regulation in brief

EBANX's March 2026 release says its Singapore entity holds a Major Payment Institution licence from the Monetary Authority of Singapore, obtained in 2025. We did not find a dedicated regulatory or licences page on the EBANX sites we opened, so we cannot summarise its authorisations in other countries. See our guide on how to check a financial licence.

Who it tends to suit

EBANX commonly suits international merchants in gaming, subscriptions, software and e-commerce that want local methods, recurring Pix or payouts across Latin America and a growing set of African and Asian markets. Merchants with a different regional emphasis may compare dLocal. Check the legal entity that contracts with you, settlement options and which methods are live in your country. The cross-border payments hub lists related coverage.