Card Processing

In rising economies, cards represent a relevant share in payments made in digital commerce. In Africa, cards are at a 27% share, meanwhile in Latam they account for more than 60% of purchases made online.

Accept local credit, debit and pre-paid cards in growing economies with superior payment performance, a wider coverage, and first class service, having the funds settled anywhere in the world.

Higher approval rates balanced with risk management

4.2 ppt average uplift in EBANX's merchant's approval rates*.
0.67 ppt average decrease in EBANX's merchants chargeback rates*.
PCI DSS payment card industry compliant, offering tokenization and a smart anti-fraud solution

Extensive coverage and service support

+25 card schemes available including Visa, Mastercard, Diners Club, and AMEX.
Available in 18 growing economies.
World-class operational tech teams fully dedicated to supporting merchants in their time zone.

Localized experience

Direct connection with over 100 local acquirers and issuers, enabling redundancy and smart routing of transactions
Installment payment plans available, with a 6X increase in the average order value

Some global techs offering APMs through EBANX

The perfect balance between approval rates and risk mitigation

Features for Superior Performance

Card updater feature (to update data from cards once they expire or are reissued)
Acquirer redundancy, and smart routing and retry logic, increasing approval rates
Pre-authorization feature (verification of the card information, specially relevant on freemium business models)
Partial capture (charge part of the amount validated on the pre-auth)
Mastercard Small Tickets Program in Brazil, for lower interchange fees in debit transactions of small tickets and other benefits

Features for Risk Management

PCI DSS compliant tokenization, protecting rules, risk scoring, A/B testing, device fingerprint, and block/trust lists
Card verification
Network tokenization
Tokenization (vault)
3DS 2.0
A/B testing
Protecting rules
Risk scoring

EBANX unique service level

Recurring payments with complementary data and A/B testing for billing logic
Partnership for recurring payments with Recurly and other payment leaders
Performance tracking during campaigns or seasonal dates
Optimized cash-flow management and less operational overhead expenses due to EBANX's ongoing support and top-notch technologies

Get Started

A world of growing opportunities to increase your digital commerce revenue in rising markets

In Africa

Cards will represent almost 30% of the share of payments in digital commerce in Africa by 2025, even though the penetration of credit cards in the continent is at a 3% rate. The offer of local cards in the region is essential to capture this growing opportunity.

Discover Africa

In Latin America

Although only 27.5% of Latin Americans owned a credit card in 2021, this payment method is still the most used option in the region''s digital commerce. Alongside debit and pre-paid cards - the fastest growing card payment method in the world, especially among the sub-banked population - cards are a key offering to increase your total addressable market in rising economies.

The most used payment method in LatAm's digital commerce

Credit cards represented 52% (USD 189.4 billion) of the region's online sales volume in 2021, while debit cards grew 42% in 2021 (USD 31.3 billion) in online sales volume.

A growing payment method in EBANX merchants' payment volume

Debit cards had in 2019-2021 a CAGR of 160% in EBANX merchants' payment volume, while credit cards showed a 33% CAGR in the same period.

Discover Latin America

Unlock the installments offering for a higher average order value

Only local credit cards offer the possibility of paying by installments, and consumers in growing economies prefer to purchase with payment plans, with or without interest fees, paying for an order over the course of months while sellers receive the funds all at once.

Improved customer experience

Buyers can pay in their local currency, and have a flexible payment plan to fit their budget.

Maximized revenue

The average ticket value increased 370% for retail merchants in Mexico offering 12 installments and a retail merchant in Brazil reached a 200% growth by offering 6 monthly installments.