The SME Digital Surge and the New Payment Rails of B2B Commerce
Explore the Beyond Borders 2026 study to see how B2B payment trends are evolving as digital platforms onboard millions of small and medium-sized enterprises (SMEs), driven by local APMs, instant transfers, and the emergence of a global stablecoin infrastructure.
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How Digital-First Payment Rails are Reshaping B2B Commerce for 2026
A new wave of digitized SMEs is reshaping B2B commerce and B2B payment trends, using digital-first platforms, neobanks, and mobile wallets to bypass traditional banking friction. As a result, local payment methods are becoming the dominant payment rail: Pix volume in Brazil has doubled in a single year, while APMs now account for more than half of EBANX’s B2B payment volume in Colombia and Mexico. In parallel, stablecoins are emerging as a strategic cross-border B2B payment method, offering a high-speed, “always-on” alternative to the friction and costs of legacy banking.
The Rise of the SME Buyer
How Digital Platforms
Are Democratizing B2B
E-Commerce
Data Snapshot
How Businesses Actually
Pay in Emerging Markets
B2B Consumer Story
One Entrepreneur’s Guide to Paying for
e-commerce in Brazil
The ‘Stablecoin Summer’
New Rails for Global
E-Commerce
The Neobank Revolution
How digital platforms like Nequi and Nubank are digitizing the informal SME economy through zero-fee business accounts and mobile-first management.
The APM-Led B2B Shift
Why Pix, PSE, and SPEI now account for up to 50% of EBANX's merchants' B2B revenue in markets like Colombia and Mexico.
Stablecoins as Foundational Infrastructure
The transition of digital assets from niche speculation to a primary rail for faster, cheaper cross-border settlement.
The Entrepreneurial Payment Stack
A real-world story from a Brazilian entrepreneur on the role of Pix, Boleto, and installments in balancing speed, cash flow, and purchasing power.
Access vs. Efficiency
Why stablecoins are being adopted in emerging markets as a practical hedge against inflation and a gateway to the global digital economy.
Beyond Borders is the EBANX annual study that maps the payments industry and e-commerce landscape across emerging markets, combining local market expertise with proprietary transaction data to uncover key payments insights and consumer trends.
The 2026 edition of the Beyond Borders report explores how the diversification of payment rails, the expansion of card payments and digital wallets, the evolution of recurring and installment models, the growing role of A2A transfers, the demographic forces shaping the digital consumer profile, and the emergence of stablecoins and agentic commerce are reshaping market access across Latin America, Africa, and Asia.
The Multi-Rail Ecosystem: How cards, instant transfers, and digital wallets coexist across the consumer journey in emerging markets.
Subscription Evolution: New ways to address technical churn through recurring APM infrastructure and annual installment payment models.
B2B Digitization: B2B payment trends, the growth of the digital SME segment as B2B buyers, and the emerging role of stablecoins in global B2B e-commerce.
Intelligence-First Defense: How regional transaction data and machine learning strengthen fraud prevention and improve approval rates in digital payments.
The Dawn of Agentic Commerce: Analyzing the emergence of AI agents as autonomous payment actors.
