The New Architecture of Subscription Payments in Emerging Markets
Dive deep into subscription payment trends, authorization rates, and involuntary churn in the Beyond Borders 2026 edition. See how recurring payment methods are evolving beyond cards, driven by APMs, and automated A2A rails like Brazil’s Pix Automático and India’s UPI AutoPay.
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How Local Payment Methods Are Powering Recurring Revenue
Alternative payment methods (APMs) have matured into full recurring payment ecosystems, delivering authorization rates of 80% or higher in leading markets. In parallel, merchants are shifting card-based subscriptions to annual installment plans, reducing recurring declines while preserving a familiar monthly experience. Across both approaches, stronger recurring payment performance is driven by optimized retries and alignment with local payday cycles.
From One-Time
to Recurring
How APMs Evolved to
Enable Subscriptions
Specialist Tips
How to Master Pix Automático
Rethinking Recurring Revenue: How Merchants
Are Using Installments for Subscriptions
Specialist Tips
Mastering Recurring Card Revenue in Emerging Markets
APM Maturity
How digital wallets and A2A rails reached high authorization rates for recurring payments.
The Installment Pivot
Transitioning monthly card billing to annual installment plans to secure 12 months of revenue upfront.
Payday Cycle Alignment
Specialists' tips with subscription billing best practices to secure recurring revenue in emerging markets.
Leveraging Pix Automático
What merchants need to know about Brazil’s new recurring APM.
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.
A2A (R)evolution: The way account-to-account payments are scaling through instant payment infrastructures, expanding financial inclusion, and becoming a core rail in the global e-commerce payment mix.
The Emerging Digital Consumer: How younger, mobile-first, and middle-class populations are reshaping digital consumption, expanding e-commerce beyond affluent segments, and redefining payment strategies in emerging markets.
