How an engineering-built solution helped us integrate 100+ payment methods, speed up delivery, and expand globally. Read all about it.

The SDK that scaled EBANX

Read all about EBANX's direct integration with Yape, providing cross-border merchants with on-file and recurring payment solutions.

EBANX offers first direct integration with Peruvian wallet Yape

Get ready for what's coming after Pix Automático: Pix Parcelado. Read all about it on EBANX Insights!

Recurring Pix goes live. Installment payments come next

Localized payments have been driving a 41% annual TPV growth for the company through EBANX. Read all about it.

EBANX helps monday.com boost high order value in Brazil

Latest Articles

Staying current with local ecosystems' decisions shapes card payment performance

Staying current with Latin American local ecosystem’s decisions shapes card payment performance. EBANX Operations Director André Peixoto shares key developments from issuers and advice on adapting to changes. 

Staying current with local decisions shapes card payment performance

Staying current with local ecosystem’s decisions shapes card payment performance

The partnership makes APLAZO available to global e-commerce for the first time and marks EBANX’s first BNPL solution in Mexico. Read all about it.

EBANX enables APLAZO’s BNPL payments in Mexico

Digital wallets are gaining significant traction in emerging markets, especially those with interoperable capabilities. Read more at EBANX Insights!

Interoperability fuels wallet growth in emerging markets

Nequi has 21 million users and has become the leading mobile payment platform in Colombia.

Global players see 33% monthly growth in transactional volume with Colombia's Nequi

Global companies see 33% monthly growth in transaction volume from Colombia's Nequi

Currency conversion and exchange in 2025 are on a completely different level compared to past years. This article shows how global merchants can benefit from this evolution, especially when processing and selling in emerging markets.

Why currency settlement matters in today’s global payments landscape

The journey of implementing Network Tokens has been a constant learning experience. With robust provisioning, efficient integration and a data-oriented approach, EBANX has been able to unlock real benefits for merchants and consumers.

From hype to real life: Proven results in approval rates with Network Tokens

Network Tokens boost approval rates by 4-5pp and eliminate declines from expired cards.

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João is CEO of EBANX, a position he assumed in 2021 after more than three years as Chief Operations Officer, preceded by almost seven years as Chief Technology Officer. With more than 20 years of experience in software development, he is the mind behind the first codes for the EBANX platform, which allows all of the company's operations to work with synergy, rapid, and frictionless responsiveness. During his time as COO, he was at the forefront of important fintech projects, such as building the global commercial team, launching 50 new integrations and payment methods in the company's B2B solutions in a single year, and the international expansion of EBANX, which currently operates in 29 countries in the three regions where the digital market is growing the fastest in the world: Latin America, Africa, and Asia.


João Del Valle

A payments enthusiast with a solid technical background. As Head of Global Operations at EBANX, he leads the teams behind payment performance, fraud prevention, sales engineering, and strategic partnerships. He is passionate about simplifying complex processes, turning data into action, and helping global merchants navigate the intricacies of local markets.

André Peixoto

Fernando Pankiewicz Gomes is a Product Manager specializing in alternative payment methods, leading EBANX's implementation of Pix Automático and Open Finance Payment Initiator products. With a Bachelor's in Computer Engineering from the Pontifícia Universidade Católica do Paraná, Fernando has developed a deep expertise in emerging markets' evolving payment landscape, focusing on solutions that improve financial inclusion. Since joining EBANX in 2020, he has driven initiatives in developer experience, integrations and product operations, enhancing EBANX's payment offerings across key markets. Fernando is married and a proud father of a baby girl.

Fernando Pankiewicz

Alvaro Gómez de la Torre de las Casas is Country Manager for Peru and Bolivia at EBANX, where he leads operations with a strategic focus on sustainable growth and long-term value for global merchants. Born and raised in Lima, he brings a deep understanding of complex emerging markets, an insight that has shaped his work across nearly a decade in fintech, payments, and e-commerce. Alvaro is committed to bridging local market dynamics with global trends, helping build a more inclusive, innovative, and future-ready payments ecosystem that supports merchants and consumers worldwide.

Alvaro Gomez de la Torre

Carolina is part of EBANX's Brand & Communication team and writes about P2B and B2B payments and digital commerce in rising economies. As a content strategist at EBANX, she develops thought leadership projects and works closely with the PR and PMM & Intelligence teams to deliver rich, data-driven content.

Carolina Pompeo

Sebastian Fantini is the Director of Product at EBANX, leading the Payment Products teams and overseeing the strategy, expansion, and management of EBANX's payment product portfolio. With over 14 years of professional experience, he has deep expertise in product management, online payments, e-commerce, and cross-border payments, focusing on both B2B and B2C. Sebastian holds a degree in Computer Engineering from Universidade Positivo and an MBA in Strategic Business Management from Fundação Getúlio Vargas (FGV).

Sebastian Fantini

Brazil skipped the line in digital payment innovation

The novelty in the payments market lies in the players who are occupying the vacuum left by more developed economies.

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The Payments Explained is a complete glossary that defines the main terms and concepts commonly used in the payment industry. In just a click you can access great articles and easily learn more about the payments world.

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Payments Explained: SWIFT Code

Payments Explained: UPI

Payments Explained: Electronic Funds Transfer (EFT)

Payments Explained: 3D Secure: All You Need to Know

Payments Explained

Explore studies, white papers, reports, e-books, and other insightful content based on expert sources and more than a decade of global experience in the payments industry amidst expanding economies. We encourage you to deepen your payments knowledge and uncover business opportunities with free resources from EBANX.

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Resource: Flying High In Rising Markets

Resource: The Saas Market In Rising Economies

Resource: The Payment Performance Checklist

Resource: The Latin American Gamer Profile:

Resources

EBANX Insights is a content hub that delivers premier news and opportunities within the payment industry. Explore articles authored by our subject matter experts.

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Insights Home | Expert news and articles on payments

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Online has surpassed the offline travel market, so knowing travelers' preferences when purchasing from OTAs is crucial.

The Size of the Opportunity for Online Travel Agencies

[REPORT]: The Size of the Opportunity for OTA

How global SaaS companies can accelerate growth through recurring payments.

The SaaS market in rising economies

[WHITEPAPER]: The SaaS market in rising economies

Getting a deeper understanding of Latin Americans' preferences and payment behavior is crucial to converting them into loyal customers. Read the full guide!

Payment Performance Guide Checklist

Guide: The payment performance checklist to elevatin

Catch on to the main characteristics and habits of gamers from Latin America. This infographic uncovers how Latino gamers behave, their preferences, and also in

Catch on to the main characteristics and habits of gamers from Latin America. This infographic uncovers how Latino gamers behave, their preferences, and also insights that will contribute to winning Latinos gamers' hearts.

Infographic: The Latin American gamer profile

What is SWIFT?

SWIFT Code - An Overview

Does every bank have a SWIFT code?

Is a BIC code the same as a SWIFT code?

What is IBAN, and how is IBAN Different From a SWIFT Code?

Why do we Need IBAN?

How do I Locate my Bank's SWIFT Code?

In international business, SWIFT Codes are a standard part of conducting transactions. SWIFT codes identify banks for merchants and companies who transfer payments internationally so the money is withdrawn and deposited in the right place. It’s up to the company to locate their banking SWIFT codes to ensure quick and accurate payment. Understanding how SWIFT codes work is vital for smooth transactions that result in fast and easy payments.

SWIFT Code

Swift Code

What is SWIFT Code? | Payments Explained

From P2P transfers to a super-app disruptor: Yape is changing Peru’s e-commerce

Currently the sixth largest digital commerce market in Latin America, Peru is on track to become the fourth by 2027, thanks, among other things, to digital wallets like Yape

From P2P transfers to a super-app: Yape is changing Peru’s e-commerce

From P2P transfers to a super-app wannabe: Yape is changing Peru's e-commerce

Beyond Borders 2025: EBANX launches its annual digital study

Discover how people and businesses are consuming online and paying digitally in Latin America, Africa, and India.

Discover now

Beyond Borders 2025

How do people and businesses pay online? Look at Beyond Borders 2025 annual study and read about today's most significant trends in payments and shopping. 

 EBANX launches the annual Beyond Borders 2025 study

What are instant payments?

What is UPI payment?

How UPI Works?

What are the benefits of UPI transfer?

Start offering UPI payment method with EBANX

Launched on April 11, 2016, UPI became the most popular payment method in India, and it is projected to account for 90% of the total transaction volume in retail digital payments from 2023 to 2028.

Unified Payments Interface (UPI): the instant payment that reshaped India's financial landscape

Unveil the power of UPI in India, exploring how it works and revolutionizes transactions. Discover Insights with EBANX.

The Unified Payments Interface (UPI) is a digital and real-time payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI). 

Unified Payments Interface (UPI)

What is UPI in India and how does it work?

EBANX joins Peru Payments Association

Discover how people and businesses are consuming online and paying digitally in Latin America, Africa, and India

As a member of the Peru Payments Association, EBANX reinforces its commitment to building a more substantial payment ecosystem and a sustainable digital industry.

On the News: EBANX joins Peru Payments Association

What is an EFT payment?

What is the Electronic Fund Transfer Process?

Types of EFT Payments

What’s the Difference Between an EFT and an ACH?

Are Electronic Fund Transfers Safe?

What are the Benefits of Electronic Fund Transfer?

How Do Electronic Funds Transfers Work for International Payments?

Every transaction starts somewhere. In today’s global economy, e-commerce is on the rise. Digital payment is the way of today, and tomorrow, and that means any business, large or small, needs to take advantage of electronic transactions. That’s where electronic funds transfer comes in. This concept is applicable to every digital transaction out there, and for merchants, businesses, and consumers it’s important to know how electronic money transfers work. This is electronic funds transfer explained.

Electronic Funds Transfer (EFT)

Digital payment is the way of today, and tomorrow, and that means any business, large or small, needs to take advantage of electronic transactions.

Electronic Funds Transfer

What is Electronic Funds Transfer (EFT)?

What is 3D Secure?

How does a 3D Secure payment work?

The benefits of 3D Secure

What is 3D Secure 2.0?

The importance of 3D Secure

Payment fraud continues to be one of the major concerns for e-commerce businesses, but 3D Secure can be a solution. Read on! We will help you to understand 3DS technology fully.

3D Secure: All You Need to Know

3D secure - as known as payer authentication - is a technical standard that adds a layer of security in online credit and debit card transactions.

What is 3D Secure (3DS)?

What is 3D Secure (3DS)? | Payments Explained

EBANX Team

Bruno Rossetto joined EBANX as a software developer in 2017 and has been working in the company's Software Engineering Team ever since. Now, as EBANX Software Engineering Director, he is responsible for the Product Engineering structure, leading the teams in charge of Payment Processing, Merchant Solutions, Product Integrations and Product Performance.

Bruno Rossetto

Fabio Maia is a passionate Product Manager specializing in digital payments, with over 20 years of experience in the technology area, with the last 7 years dedicated specifically to Product Management. Throughout his career, Fabio has continuously expanded his expertise in digital payments, e-commerce, and financial services, accumulating valuable experience at leading Brazilian companies within these sectors. At EBANX, Fabio has played a key role in developing Network Token and Account Updater products, collaborating closely with the engineering team to build high-performance solutions to increase payment efficiency, reduce operational costs, and enhance transaction security.

Fabio Maia

Luiz Felipe Pinheiro is the Senior Manager of Technical Product at EBANX. He leads the Financial Product teams focused on technical solutions and the strategy behind EBANX’s treasury-powered products and specialized merchant solutions. With over 10 years of experience in payments, he brings deep expertise in product strategy, financial operations, and scalable technical architectures. Luiz holds a Master’s degree in Business Administration from FAE and has built his career developing solutions for merchants across multiple geographies, navigating the complexities of each market with a passion for solving complex challenges.

Luiz Felipe Pinheiro

Download the Study

Our annual study is out! Beyond Borders 2022-2023

Get the latest news and trends about payments and market in emerging markets!

Market Updates

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How we do it

EBANX to launch Aplazo in Mexico 

Merchants invited to join as early adopters of our first Buy Now Pay Later (BNPL) solution

EBANX to launch Aplazo in Mexico

How digital payments and e‑commerce are gaining traction in Latin America, Africa and India

Beyond Borders 2023/2024

Industries

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Global players see 33% monthly transactional growth with Colombia's Nequi

How does EBANX work? A comprehensive guide

EBANX empowers global businesses to thrive in rising markets by offering market mastery, regulatory expertise, and access to over 200 payment methods.

What is EBANX and how does this platform work?

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Janaina Meneghel

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Online Payments

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It’s time to enhance your retail marketplace in Latin America with a tailored approach to payments.

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EBANX Retail & Marketplace Solution

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Report: Gaming in Latin America

According to the new Beyond Borders 2022/2023 study, rising economies, such as Latin America and Africa, are among the leading markets responsible for driving e-commerce hypergrowth globally.

E-commerce growth in emerging markets for 2023

How EBANX is facilitating B2B Payments in Latin America

Learn how to expand your global SaaS in India, Latin America and Africa

Expanding in Hypergrowing in SaaS Markets

Discover how dynamic regions in India, Latin America and Africa are adapting and reshaping the global digital landscape.

Download now

Beyond Borders 2024: The Digital Commerce Study

This customer story analyzes how XTransfer has delivered secure and user-friendly cross-border financial services to SMEs globally by partnering with EBANX's expertise.

EBANX + XTransfer: B2B Trade Payments in Latin America

How EBANX is facilitating B2B Payments in Latin America

EBANX Recognized as top 30 Leading Brands in Forbes China

EBANX has been selected as one of the 30 pioneering brands in Forbes China's prestigious 2024 Go-International Series, highlighting its global expansion and innovation. 

EBANX Recognized as top 30 Leading Brands in Forbes China 

Mobile Money: what is it, and how does it benefit Africa?

The rise of mobile money has been especially significant in Africa. See what's behind this phenomenon and how it is pushing Africa's development forward.

Why B2B SaaS in Africa depends on local payments to sell 

While entering the African market presents significant opportunities, B2B SaaS companies must understand the power of local payment methods to sell properly.

Why B2B SaaS in Africa Depends on Local Payments to Sell

E-commerce in Africa: the main opportunities in the region

With 1.3 billion people and increasing internet penetration, e-commerce in Africa presents immense opportunities for businesses to tap into a growing market.

E-commerce in Africa: payment trends and top opportunities!

E-commerce in Africa: payment trends and top opportunities for this market!

What is a digital wallet and why does it matter in emerging markets

Discover the significance of digital wallet payments in Latin America and Africa’s digital commerce landscape. Keep reading!

What is a digital wallet and why it is a crucial payment method in emerging markets

Embark on Africa’s digital transformation with EBANX for high-value orders. Explore how this offering simplifies operations and opens new avenues for businesses.

Latest Articles

EBANX offers first direct integration with Peruvian wallet Yape

The SDK that scaled EBANX

EBANX helps monday.com boost high order value in Brazil

Recurring Pix goes live. Installment payments come next

On the spotlight

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Data Nugget

BEYOND BORDERS 2025 IS OUT!

Words from our experts

Meet our experts

João Del Valle

André Peixoto

Fernando Pankiewicz

Alvaro Gomez de la Torre

Carolina Pompeo

Sebastian Fantini

João Del Valle

André Peixoto

Fernando Pankiewicz

Alvaro Gomez de la Torre

Carolina Pompeo

Sebastian Fantini

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Market Updates

On the News

Online Payments

How we do it

Going Further

Payments Explained

Resources