Instant payments

account-based transfers

Payments with real-time confirmation are taking rising markets by storm. In Latam, their share in digital commerce has been growing 60% per year since 2018, meanwhile in Africa digital wallets (an account-based transfer that is also instantaneous) will represent almost 70% of the payments made online by 2025.

With EBANX offer of account-based transfers, you access digital wallets, bank transfers and PIX (the main payment method in ecommerce in Brazil) and all future popular new instant payment methods that are being developed in rising markets.

Digital Wallets

Surf the wave of digital wallets, such as MercadoPago and PicPay in Latam, and reach a generation of customers who do not manage payments through traditional banks.

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Bank Transfer

Access the main banks in Latam and Africa for real-time or next-to-real-time transfers, and also add to your payment portfolio the most used methods for money transfer, such as SPEI (MX), Debin (AR), PSE (CO), Servipag (CL), Klap (CL), PagoEfectivo (PE), SafetyPay (PE).

PIX

In a single integration, get access to the popular instant payment methods that have been taking rising markets by storm, such as PIX, the now leader in APMs in ecommerce in Brazil.

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Key Benefits of offering account-based transfers with EBANX

Increased addressable market

Online and 24/7 availability*  

Real-time fund transfers* 

Charges in local currency

Lower risk of fraud

*For bank transfers, availability and confirmation time (from instant to up to 3h) can vary according to each bank

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Instant payments driving financial inclusion

In rising markets, access to the traditional banking system may be a challenge - in Latin America, for example, only 28% of the population has access to a credit card issued by a bank. In this scenario, Alternative Payment Methods - specially digital wallets - fill the gap between bank accounts and card ownership: 80% of Latin Americans own at least one account.

Offering digital wallets and Pix is key to reaching a big share of customers who don't have access to - or generationally do not want to access - traditional banks.

Nearly 80% of Latin Americans own an account, but only 28% have a credit card.

Sources: World Bank Global Financial Inclusion (2021), 2017 numbers, * AMI (2021)

Learn more about digital wallets
Learn more about Pix

Be ready for the advance of Buy Now, Pay Later (BNPL) in rising markets

BNPL global market is expected to grow at a CAGR of +21% by 2026, reaching USD 400 billion. In Latin America, BNPL solutions are still in their early stages compared to installments, but they have an advantage over the later: the Buy Now, Pay Later credit solution does not require a credit card, and can be offered in digital wallets, for example. In 2022, BNPL had a +300% growth YoY in digital commerce just in Latin America, and is especially strong in Mexico, Colombia and Argentina.

Volume of e-commerce, 2022, in USD Bn

Source: AMI (Americas Market Intelligence)

By integrating with EBANX, you will be ready for the future offer of Buy Now, Pay Later solution.

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Go beyond cards. Start processing payments with an all-in-one platform and the best alternative payment methods available in the market.

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