API Operability
This page describes the vital questions your company must answer before integrating with EBANX. Consider each topic, its possible answers, and EBANX recommendations accordingly.
Cross-border and Local Models
EBANX offers two distinct services for local and cross-border companies. Merchants must define their operating model in advance when planning an integration. Both models use the same API endpoints, but country and feature availability may differ.
In both models, all transactions are processed locally, ensuring optimized approval rates and compliance with local regulations. The key difference lies in the cross-border settlement flow to the merchant.
In the Cross-border model, funds are settled to a merchant based in a different country, which may involve currency exchange and cross-border remittance. In the Local model, funds are settled to a local entity within the same country where the transaction was processed.
If your business does not have a local entity in the country where EBANX offers the Local model, your operation is considered Cross-border.
- Pay-in
- Payout
Pay-in Availability
EBANX offers a multitude of countries in which you can sell your services; some of them have the cross-border operation model, while others have both local and cross-border models for you to choose from. Remember to ensure that your company has a local entity to operate locally in the countries where you select the Local operation model.
| Country | Cross-border | Local |
|---|---|---|
 Argentina | check_circle_outline | highlight_off |
 Bolivia | check_circle_outline | highlight_off |
 Brazil | check_circle_outline | check_circle_outline |
 Chile | check_circle_outline | check_circle_outline |
 Colombia | check_circle_outline | check_circle_outline |
 Costa Rica | check_circle_outline | highlight_off |
 Dominican Republic | check_circle_outline | highlight_off |
 Ecuador | check_circle_outline | highlight_off |
 Egypt | check_circle_outline | highlight_off |
 Guatemala | check_circle_outline | highlight_off |
 India | check_circle_outline | highlight_off |
 Indonesia | check_circle_outline | highlight_off |
 Kenya | check_circle_outline | highlight_off |
 Mexico | check_circle_outline | check_circle_outline |
 Nigeria | check_circle_outline | highlight_off |
 Panama | check_circle_outline | highlight_off |
 Paraguay | check_circle_outline | highlight_off |
 Peru | check_circle_outline | highlight_off |
 South Africa | check_circle_outline | highlight_off |
 Thailand | check_circle_outline | highlight_off |
 Turkey | check_circle_outline | highlight_off |
 Uruguay | check_circle_outline | highlight_off |
 Philippines | check_circle_outline | highlight_off |
Pay-in Payment Methods
EBANX enables you to operate using a variety of the most common payment methods in each country where we process payments. For that, we offer card payments, alternative payment methods such as vouchers or transfers, and e-wallet payments that rely on a user's external account.
The processing of all kinds of payments through EBANX works exactly the same for you, with only differences in what is required in the payload body that you send and how the workflow will respond in synchronous vs. asynchronous cases.
| Country | Currency | Payment Methods Available |
|---|---|---|
| Argentina | ARS - Peso Argentino | Credit Cards, Debit Cards, DEBIN, Pago Fácil, Rapipago, Mercado Pago Wallet, Mercado Pago Connect, Stablecoin (USDC, USDT) |
| Bolivia | BOB - Boliviano | PagosNet |
| Brazil | BRL - Brazilian Real | Credit Card, Debit Card, Boleto, NuPay, NuPay Recurring, PicPay, PayPal, Pix, Pix Automático, Pix On-file, Pix 4x Pagaleve, Stablecoin (USDC, USDT) |
| Chile | CLP - Peso Chileno | Credit Card, Debit Card, Bank Transfer, Servipag, WebPay, MACH, Stablecoin (USDC, USDT) |
| Colombia | COP - Peso Colombiano | Credit Card, Debit Card, PSE, Bre-B, Botón Bancolombia, Efecty, NEQUI, NEQUI Recurring |
| Costa Rica | CRC - Costa Rican Colón | Cash, Credit Card, Debit Card, Stablecoin (USDC, USDT) |
| Dominican Republic | DOP - Dominican Republic Peso | Credit Card, Debit Card |
| Ecuador | USD - United States Dollar | Credit Card, Debit Card, Safety Pay |
| Egypt | EGP - Egyptian Pound | Credit Card, Debit Card, Fawry, Digital Wallets |
| Guatemala | GTQ - Guatemalan Quetzal | Credit Card, Debit Card, Stablecoin (USDC, USDT) |
| India | INR - Indian Rupee | Credit Card, Debit Card, UPI, UPI AutoPay |
| Indonesia | IDR - Indonesian Rupiah | DANA, GoPay, OVO, Virtual Accounts, OVO Recurring, DANA Recurring |
| Kenya | KSh - Kenya Shilling | Credit Card, Debit Card, M-Pesa |
| Mexico | MXN - Peso Mexicano | Credit Card, Debit Card, Oxxo Pay, Paynet, SPEI, Mercado Pago Wallet, Mercado Pago Connect, Aplazo, Stablecoin (USDC, USDT) |
| Nigeria | NGN - Nigerian Naira | Credit Card, Debit Card, Bank Transfer, USSD, OPay |
| Panama | USD - United States Dollar | Cash, Credit Card, Debit Card |
| Paraguay | PYG - Paraguay Guarani | Credit Card, Debit Card, Stablecoin (USDC, USDT) |
| Peru | PEN - Sol | Credit Card, Debit Card, PagoEfectivo, Safety Pay, Yape, Yape Recurring, Stablecoin (USDC, USDT) |
| South Africa | ZAR - Rand | Credit Card, Debit Card, Ozow, Capitec Pay, Capitec Pay Recurring |
| Thailand | THB - Thai Baht | Mobile Banking, PromptPay |
| Turkey | TRY - Turkish Lira | Credit Card, Debit Card, Bank Transfer |
| Uruguay | UYU - Peso Uruguayo | Credit Card, Debit Card, Mercado Pago Connect, Mercado Pago Wallet, Stablecoin (USDC, USDT) |
| Philippines | PHP - Peso Filipino | GCash, Maya, QR Ph, Maya Recurring |
Payment method availability may vary between Cross-border and Local models. Check out our Payment Bundles section to better understand how to expand your payment methods coverage and reuse payloads across integrations while adapting to each model's availability. For processing in alternative currencies, consult our sales engineering team.
EBANX Anti-Fraud
Every country has a different fraud pattern, and fraud attacks require significant active support and customization of anti-fraud tools to prevent malicious actions. Thinking about this, EBANX has developed its own proprietary anti-fraud AI model, a localized, smart fraud-prevention technology that uses algorithms and machine learning to keep your operation safe and optimized.
EBANX offers a few additional features to enhance your anti-fraud capabilities. Please reach out to your Account Manager for further information.
Customer Data Management
EBANX has the following certifications to ensure our merchants know we handle all data that passes through our platform.
- ISO/IEC 27001: The gold standard for establishing a Security Management System (ISMS); it uses a risk-based approach to protect all types of corporate data.
- ISO/IEC 27701: An extension of ISO 27001 focused on privacy; it helps organizations manage personal data and comply with regulations like GDPR or LGPD.
- ISO/IEC 27018: A specific code of practice for protecting Personally Identifiable Information (PII) within public cloud environments.
- PCI DSS: A mandatory security standard for any business that stores, processes, or transmits credit cardholder data to prevent fraud. If you are not PCI compliant, you can use our ebanx.js library to tokenize your customers' credit cards and process payments without issues.
Do you handle recurring payments and need to migrate data? For that, please contact our support team at sales.engineering@ebanx.com.
Settlement and Reconciliation
What is the Settlement?
The settlement is the operation in which the Merchant requests the processed amount of their transactions that are available for settlement. At this moment, the applicable fees will be charged, and the money will be transferred to the merchant's bank account.
The EBANX Merchant Area shows the funds pending and available for settlement. Once payment is confirmed, the amount will be "Pending for Settlement" until it's settled from the bank/partner to EBANX, then it will move to the "Ready for Settlement" balance. The timeframe to become ready for settlement varies per country and payment method. For example, credit cards in Brazil default to 30 days, and debit cards default to 2 days.
How to Request a Settlement?
A Settlement can be requested manually via the EBANX Merchant Area, or we can set a frequency of Daily, Weekly, Monthly, or per amount.
When the Settlement is triggered, we start the remittance process, which usually takes 5 days to complete, and the wire transfer to the merchant bank account is initiated.
Settlement Report
Once a Settlement is completed, a report with all transactions and financial data is generated and available in the EBANX Merchant Area in XML format. We can also automate the generation of Settlement Reports and deliver them to the merchant via SFTP in CSV, XLSX, XML, and JSON formats.
Payout Availability
EBANX offers a multitude of countries in which you can sell your services; some of them have the cross-border operation model, while others have both local and cross-border models for you to choose from. Remember to ensure your company has a local entity in the countries where you select the Local operation model.
| Country | Cross-border | Local |
|---|---|---|
| Argentina | check_circle_outline | highlight_off |
| Brazil | check_circle_outline | check_circle_outline |
| Chile | check_circle_outline | check_circle_outline |
| Colombia | check_circle_outline | highlight_off |
| Mexico | check_circle_outline | check_circle_outline |
| Peru | check_circle_outline | highlight_off |
Payout Payment Methods
EBANX enables you to operate using a variety of the most common payout payment methods in each country where we process payouts, including instant confirmation methods.
The processing of all kinds of payouts through EBANX works exactly the same for you, with only differences in what is required in the payload body that you send and how the workflow will respond in synchronous vs. asynchronous cases.
| Country | Currency | Payout Methods Available |
|---|---|---|
| Argentina | ARS - Peso Argentino | Bank Transfer, DEBIN, Mercado Pago Wallet |
| Brazil | BRL - Brazilian Real | Pix *, Bank Transfer *, Mercado Pago Wallet |
| Chile | CLP - Peso Chileno | Bank Transfer |
| Colombia | COP - Peso Colombiano | Bank Transfer, Bre-B, Nequi |
| Mexico | MXN - Peso Mexicano | SPEI *, Mercado Pago Wallet * |
| Peru | PEN - Sol | Bank Transfer |
For processing in alternative currencies, consult our sales engineering team.
(*) The highlighted payment methods also support Local payment processing.
Pre-funding and Balance Management
EBANX utilizes a robust, pre-funded model to power its comprehensive payout solution. This approach is designed to provide maximum control and predictability over fund management, specifically tailored to align with your operational requirements and best financial interests. The underlying principle is that funds must be available in the EBANX Payout balance before any payout transactions can be successfully initiated via the API.
EBANX offers two primary methods for replenishing the payout balance, each catering to different speed and source requirements:
| Payout Funding | Description | Processing Time |
|---|---|---|
| Pay-in Balance (Using Available Settlement Funds) | For clients who also use EBANX for their Pay-in (collection/acquiring) operations, this method enables seamless, rapid internal funding. | Funds from successfully settled Pay-in operations can be instantly re-allocated and added to the Payout balance. This integration provides the fastest, most efficient way to manage liquidity, as balances are updated instantly, minimizing operational delays between collection and disbursement. |
| Top-Up (Funding via Bank Transfer) | This traditional method involves transferring funds directly to an EBANX-designated bank account. | Once EBANX successfully receives and validates the transferred funds, the Payout balance is updated. This process typically takes 1 to 3 business days to reflect the updated balance and make the funds available for disbursement. |
Regardless of the funding method used, once the required funds are successfully credited to the EBANX Payout balance, the Payout API becomes fully operational immediately. The API is designed for high availability, ensuring that payouts can be initiated at any time, providing maximum flexibility to cater to global operations across various time zones and enabling automated, scheduled disbursements.
How to Create a Top-Up?
For merchants funding Payout operations via Bank Transfer, a Top-Up must be created in the EBANX Merchant Area whenever a new transfer is initiated. This manual step is essential, not optional, as it provides our internal teams with critical advanced visibility for tracking, anticipating, and efficiently reconciling the incoming funds. The Top-Up acts as a unique reference, streamlining the matching of bank deposits to the merchant's intent, ensuring operational prioritization, and establishing an auditable trail. Merchants must immediately log in and submit the Top-Up request after instructing their bank. Failure to do so will delay the processing and availability of funds for Payout use.
Beneficiary Data Validation
To comply with international regulatory standards, EBANX must identify the final recipient of funds, referred to as the Payee.
While we can leverage your platform's existing onboarding as an initial layer, EBANX performs an additional validation step known as KYC (Know Your Customer). This process is a mandatory security measure used to verify the identity and legitimacy of the beneficiary receiving the payout (the sub-account holder or final payee).
Automated KYC: EBANX utilizes a streamlined, API-based KYC process to collect essential information from the Payees. This is not a full onboarding flow, but rather a lightweight validation focused on key identification data, such as:
- Legal Name (or Company Name)
- Tax ID or registration number (where applicable)
- Additional information based on specific local regulations
Since mandatory data varies by country, please check our payout country documentation to ensure full compliance. For compliance monitoring, certain cases may require an additional, asynchronous request for information to the payee.
Disbursements Reports
EBANX offers comprehensive tools for integrating Payout data into treasury management systems. Data is available via API and configurable file reports, supporting standard formats. These reports can be delivered via SFTP, along with the Payout report, and will encompass all relevant transaction information.
Beyond raw data, EBANX Merchant Area also serves as a centralized command center, offering a single-view monitoring of global liquidity, balances, and transaction statuses. It facilitates performance tracking by providing interactive information and downloadable summaries to monitor key treasury KPIs, such as average processing times and payout success rates.
