Recurring Payments

Increase and retain your subscriber base in rising economies with a built-to-fit recurring payments solution.

Boosted subscriber base growth going beyond cards acceptance

Expand your market reach by also accepting recurring payments in multiple currencies with local digital wallets and other alternative payment methods.

Increased transparency and subscriber retention

Reduce churn with a PCI DSS-compliant tokenization feature, account updater, and retry logics within a fully transparent automatic recurring billing solution.

Local knowledge applied to rising approval rates

Take advantage of EBANX expertise on the ground to increase approval rates by billing on specific days and times when the payment is less likely to be denied for lack of funds

Easy and fast integration to your actual recurrence engine

Reduce development efforts and go-to-market time with EBANX solution, which integrates with your proprietary engine or your recurrence partner (Spreedly, Recurly, and others).

Some global merchants benefiting from EBANX Recurring Payments solution

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A state-of-the-art platform with superior performance

+5.43 ppt average uplift in approval rate for merchants with subscription businesses

Considering averages per our merchants in the SaaS, Gaming and Streaming industries for a one year period (2021-2022). Numbers may vary according to the country and industry.

+8.5 ppt average uplift in approval rate through our retry logic

Considering global merchants using our Recurring Payments solution during Q2-2022. Numbers may vary according to the country and industry.

EBANX solutions also promote better approval rates and lower chargeback rates in subscription business models by:

Identifying the BINs from virtual cards with dynamic numbers or dynamic CVV, and notifying the customer that they will need to register a new card or new CVV at each billing.

Making sure the merchant has a right route (rail) to submit recurring transactions with the acquirers and banks, through a trusted MID path: on the issuer side, the risk rules can be different (more flexible) and specific per vertical/merchant, targeting end users with low risk profiles.

Monitoring, identifying users and mitigating specific fraudulent behaviors in subscription in rising markets, like the abuse of free trials (when individuals create several accounts to keep benefiting from the free trial period, or even organized schemes that test if card numbers are valid using the free trial systems to then sell those numbers to other fraudsters)

Mastercard Small Tickets program in Brazil: for lower interchange fees in debit transactions of small tickets, along other benefits.

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Seamless integration to your recurrence engine and recurring revenue model

Different business industries - such as Streaming, SaaS & Cloud, Shared-Economy, Gaming, and Education - have subscription services with specific goals and needs. EBANX Recurring Payments Solution integrates recurrence engines and revenue models in a fast and easy way.

Some of the supported plans are:

Freemium, trials and promotions

Subscription free, free promotional months and regular billing after a certain period, with a transparent process, without breaking the recurrence flow

Fixed fee plan

Automated monthly/periodically billing of a fixed fee for the subscription, including account updater feature to substitute expired cards information.

Different period-based or usage-based plans

Automated billing with flexible amounts to be charged, according to the period or the usage per account.

Different billing cycles

EBANX solution allows the billing to be set to any specific period - monthly, weekly or customized.

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From acquisition to retention: a comprehensive set of features and processes

Subscriber preferences are constantly changing as access to financial services, and mobile and internet penetration expands in growing economies. Thus, thriving in rising markets depends on having a partner with truly local expertise and a cutting-edge payment portfolio.

As a Latin American born company with 11 years of experience in growing economies, EBANX has a comprehensive recurring payment and subscription solution, aligning specific features and superior processes to enable higher approval rates and frictionless operations.

Features

Recurrence for alternative payment methods in multiple currencies in different countries.
Billing in days and times when the user is more likely to have enough balance in accounts or cards
Smart retry logic to optimize all your subscribers' purchases orders in their life cycle.
Complementary data and A/B testing for billing logic.
Acquirer redundancy and smart routing.
Automatic recurring billing and PCI DSS compliant tokenization - your subscribers don't need to input their card information at every billing cycle.
An exclusive localized, smart anti-fraud, and payment optimizer solution.

Processes

Unified reconciliation for all countries where EBANX operates.
Single and streamlined integration with extensive support from EBANX's developers.
Compliant with up-to-date rules, and all local market regulations and standards, including taxes and fees with full transparency.
World-class service with an expert, native and dedicated support team available in your time-zone.
Daily performance tracking and special support during campaigns or seasonal dates.
Partnership for recurring billing with Recurly, Spreedly and other payment industry players

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