Card Processing

Process credit and debit card payments in rising markets with advanced card capabilities and exclusive local enhancements

Higher Approval Rates and Safety

4.2 ppt average uplift in EBANX's merchants approval rates*

0.67 ppt average decrease in EBANX's merchants chargeback rates*

*data collected between 2021-2022 from EBANX top merchants. Numbers may vary according to the country and industry.

Be Ahead of the Market

Enhance security and reduce chargebacks and refunds with optimized card tools: 3D Secure, Network Tokenization, Pre-Authorization, Multiple and Partial Refunds, Card Verification, and Smart Routing.

Localized Experience

Credit card payments with domestic and/or international funds settlement.
Direct connections to local acquirers.
Local credit cards to improve customer experience and enable better installment payment plans.

Effortless Local Regulations Compliance

Simplify local laws and regulations compliance by partnering with an experienced, financially stable ally, ensuring operational transparency in dynamic emerging markets.

Superior User Experience

Seamlessly manage denied transactions with our robust card processing. We reroute and retry logic with or without 3DS and network tokens, all without disrupting the payment experience.

Enhanced Transaction Security

Safeguard your operations with EBANX Fraud & Risk Management solution. We utilize proprietary intelligence to boost payment performance and simultaneously reduce operational costs and chargeback rates.

Some of the global merchants processing card transactions with EBANX

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Meet our Advanced Card Capabilities & Optimization Features

3D Secure (3DS): Prevents unauthorized card usage by adding an extra layer of security.

Card Tokenization: Safeguards sensitive card data through encryption.

Smart Routing: Enhances transaction acceptance rates by optimizing routing.

Pre-authorization: Confirms the availability of funds before processing.

Multiple Partial Refunds: Facilitates refunds in case of service unavailability.

Card Verification: Validate cards before processing for added security.

Payment Approval: After processing, the payment is sent to the acquirer and issuing bank for approval.

Account Updater: Allows automatic updates of new card numbers, blocking old ones.

Vault Tokenization: Encrypts cards for PCI compliance.

Token Requestor ID: Generates a hash in the Network Token flow.

Card on File: Stores cards used by the merchant/EBANX in each transaction, not for recurring payments.

Recurrence Flag: Flags transactions for processors/acquirers when they are recurrent.

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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 six monthly installments.