What EBANX does

EBANX is a cross-border payment processing platform founded in 2012 in Brazil that enables global merchants to accept local payment methods in emerging markets across Latin America, Africa, and Asia. The company serves over 500 enterprise customers — including AliExpress, Spotify, Uber, Shein, Shopee, Canva, Microsoft, Sony, Booking, Ubisoft, and Amazon Prime — through a single API integration that delivers access to more than 200 payment methods spanning credit/debit cards, instant payment rails (Pix, UPI, Bre-B, PSE, Ozow), digital wallets (Mercado Pago, PicPay, OVO, GCash), cash vouchers (Boleto, OXXO, PagoEfectivo), and mobile money (MPesa, Airtel).

The platform architecture combines pay-in and payout processing with modular add-ons: recurring/subscription billing with PCI DSS tokenization and smart retry logic, high-value transaction processing up to USD 100K bypassing SWIFT, hybrid international/domestic settlement, B2B invoice management, and an AI/ML-powered fraud and risk management engine. Proprietary technology includes network tokenization (which the company reports reduces fraud-related declines by up to 86%), ML-based real-time transaction scoring, and smart routing with acquirer redundancy. EBANX holds regulatory licenses including a Major Payment Institution license from the Monetary Authority of Singapore, ISO 27001/27018/27701 certifications, and PCI DSS compliance.

Revenue is generated primarily through transaction-based fees on cross-border payment processing, supplemented by recurring-payment subscription fees and high-value/B2B transaction fees. Pricing is quote-based and not publicly disclosed, with custom contracts tailored to enterprise transaction volume, payment methods, and market coverage. The company employs 501–1,000 people across offices in Curitiba/Rio de Janeiro (Brazil), Singapore (APAC HQ, opened March 2026), Shanghai, and India. EBANX is privately held, backed by Advent International (USD 430M investment in June 2021) and FTV Capital, and was reportedly considering a US IPO as of April 2026.

Name

EBANX

Legal name

EBANX

Website

https://ebanx.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

501–1,000 employees

Short description

EBANX is a cross-border payments platform founded in 2012 that enables 500+ global enterprise merchants — including Spotify, Uber, Microsoft, and Amazon — to accept 200+ local payment methods across 20+ emerging markets in Latin America, Africa, and Asia via a single API.

Ownership category

akta.pro rank

Product category

Cross-Border Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Cross-border Payments & FX for E-commerce (CRAFALAF)

akta.pro secondary industries

Cross-Border & FX Payments Platforms (BPAMAFAK), Cross-Border Payment Orchestration & Routing (FSAGAKAJ), Merchant Cross-Border Collections (Pay-ins) & Local Payment Methods (FSAGAKAD), Alternative Payment Methods (APMs) & Local Rails (ACH/SEPA/UPI, etc.) (CRAFALAG), Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC), Trade & Invoice Payments (Cross-Border B2B) (FSAMAIAL)

Keywords

• Cross-border payments
• Payment processing platform
• Alternative payment methods
• Emerging markets payments
• Merchant payment solutions

Headquarters

HQ city

Curitiba

HQ country

Brazil

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Cross-border Payment Processing: Transaction-based fees for processing cross-border payments across 200+ payment methods in 20+ emerging markets, including card processing, alternative payment methods, and instant payment rails like Pix and UPI.
2. Recurring Payment Services: Subscription and usage-based revenue from recurring payment processing for SaaS, streaming, gaming, and shared economy companies with tokenization and retry logic services.
3. High-Value Transaction Processing: Fees for processing B2B and high-order value transactions up to USD 100K without SWIFT, including invoice management and document collection services.
4. B2B Payment Solutions: Integrated B2B payment processing, supplier invoicing, and receivables management for enterprise merchants operating in emerging markets.

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

EBANX operates a cross-border payments platform that enables global merchants to accept 200+ local payment methods across 20+ emerging markets in Latin America, Africa, and Asia through a single API integration. The platform processes pay-in, payout, recurring payments, high-value transactions, and B2B payments, supplemented by AI-powered fraud prevention, network tokenization, and currency conversion.

Product overview

EBANX operates as a comprehensive cross-border payments platform connecting global merchants to consumers in emerging markets across Latin America, Africa, and Asia. The core platform consists of Pay-in & Payout processing, supplemented by specialized modules including Recurring Payments for subscription businesses, High Order Value for transactions up to $100K, Hybrid Processing for mixed settlement models, Single Transaction for unified checkout, B2B Payments for supplier invoicing, Fraud & Risk Management with machine learning detection, Invoice Management for B2B receivables, and Performance Optimization for approval rate improvements. The payment portfolio encompasses 200+ payment methods including credit/debit cards, instant payments (Pix, UPI, PSE), digital wallets (Mercado Pago, PicPay), cash vouchers (Boleto, OXXO), and mobile money (MPesa). EBANX serves over 500 global merchants including Alibaba, Airbnb, Spotify, Uber, Shein, and Canva, processing payments across 20+ emerging markets with coverage expanding to 7 Asian economies representing $610 billion digital commerce opportunity.

Differentiator

Problem solved

Functional benefit

Products and services

• Pay-in & Payout Full-circle payments operation for global merchants to collect customer payments and disburse funds to partners and suppliers in local currencies across Latin America, Africa, and Asia. Supports 200+ payment methods with international, domestic, or hybrid settlement options and micropayments under $5 in less than 2 minutes.
• Pay-in

Quantifiable outcome

• 48% increase in Total Payment Volume in 2025
• +8 more outcomes

Named customers16 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration19 records

AI capability4 records

Feature7 records

Partnerships

Eight partnerships are on record, tiered core.

• MOViicoreStrategic or Co-development Partner · 6 October 2025EBANX and MOVii collaborated to launch Bre-B, Colombia's new instant payment system inspired by Brazil's Pix. The system aims to improve financial inclusion and facilitate seamless digital transactions for consumers and businesses in Colombia.
• StripecoreTechnology or Integration · 11 August 2025EBANX deepened its four-year partnership with Stripe to enable businesses on Stripe's platform to process Pix payments in Brazil. The integration allows merchants to accept Pix from Brazilian customers with settlements in their domestic currency. Offering Pix has resulted in 16% revenue increase and 25% growth in consumers for merchants within six months.
• AplazocoreStrategic or Co-development Partner · 24 June 2025Strategic partnership enabling Aplazo's BNPL payment solutions for cross-border e-commerce in Mexico through EBANX's platform. The integration provides access to 72 million Mexican consumers, with Mexico's BNPL market projected to grow 20% in online sales. Aplazo has secured over USD 100 million in equity financing since its 2020 launch.
• HotmartcoreStrategic or Co-development Partner · 24 June 2025EBANX enabled Pix recurring payments for Hotmart, leading to a 32-point retention increase for the digital content platform serving Brazilian creators.
• SpreedlycoreTechnology or Integration · 8 April 2025Partnership enabling Spreedly's merchant customers to access EBANX's Latin American payment network through single integration. The partnership expands access to LATAM's digital payment market and enables alternative payment methods and cards acceptance.
• CanvacoreStrategic or Co-development PartnerCanva invests in local payments through EBANX to promote digital inclusion in Latin America. The partnership enables Canva to offer localized payment methods across LatAm markets.
• monday.comcoreStrategic or Co-development Partnermonday.com boosts high order value in Brazil with cash and installment payments through EBANX, enabling the SaaS company to serve B2B customers preferring alternative payment methods.
• WeversecoreStrategic or Co-development PartnerK-pop content platform Weverse partnered with EBANX to enable easier access to content and merchandise for Latin American fans, leveraging EBANX's payment infrastructure in the region.

Scale indicators16 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• dLocal: Uruguay-based cross-border payments platform specializing in emerging markets across LatAm, Africa, and Asia. Closest direct competitor to EBANX in pay-in/payout orchestration for global merchants.
• Mercado Pago: Latin American digital wallet and payment processor owned by Mercado Libre. Competes with EBANX in Brazil, Mexico, Argentina, and across LatAm for both consumers and merchants.
• PagSeguro: Brazilian payment processor offering acquiring, digital wallets, and Pix support. Domestic Brazilian competitor for SMB and enterprise merchants seeking local acquiring.
• Wise (TransferWise): Cross-border money movement and multi-currency account platform. Overlaps with EBANX's payout and high-value cross-border transfer capabilities, particularly for SMB and freelancer remittance use cases.

Broad incumbents

• Stripe: Global payments incumbent with deepening presence in emerging markets (notably its Pix partnership with EBANX). Competes by offering broad developer-first payment infrastructure with growing local-method coverage.
• Adyen: Global payments platform serving enterprise merchants with unified acquiring across regions. Increasingly competing in emerging markets as a single-integration alternative to specialized processors like EBANX.
• PayPal: Global digital payments incumbent with strong consumer wallet and Braintree merchant acquiring. Competes with EBANX for cross-border e-commerce and emerging-market checkout.
• Worldpay: Global payment processor and acquirer with established enterprise merchant relationships. Integration partner to EBANX but also competes for high-value cross-border e-commerce volume.

Emerging players

• Xendit: Southeast Asian payment gateway operating across Indonesia, Philippines, Malaysia, Vietnam, and Thailand. Direct competitor in EBANX's newly-expanded APAC footprint.

Regional players

• 2C2P: Southeast Asia-focused payment service provider offering acquiring and alternative payment methods across Thailand, Singapore, Indonesia, and the Philippines. Regional competitor in EBANX's APAC expansion markets.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ebanx

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries1 record

Funding overview

Funding rounds5 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EBANX