By implementing EBANX's localized payment solutions, SIHI turned a significant business constraint into a competitive advantage. The company overcame its payment challenges and leveraged the new payment infrastructure to accelerate growth and tap into new customer segments in Brazil.

EBANX & SIHI: how local payments unlocked amazing growth in Brazil

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

Discover why Pix Automático is poised for massive growth and how a seamless user experience will be the key to its success. Learn what to watch out for as this payment method transforms the financial landscape.

Pix Automático: why exceptional UX will make It a game-changer

Pix Automático: why exceptional UX will make it a game-changer

Brazil skipped the line in digital payment innovation

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

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

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?

How does EBANX work? A comprehensive guide

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

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How EBANX is facilitating B2B Payments in Latin America

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

The long-awaited addition to the Pix payment system, which will launch in April 2025, promises to revolutionize recurring payments in Brazil.

Pix Automatico: the new functionality to power recurring payments

How Pix Automático will revolutionize recurring payments in Brazil? 

As digital landscape evolves, real-time payments are reshaping economy. Indian UPI and Brazil Pix payment systems stand out, enabling fast and secure transfers.

Comparing UPI payment in India vs Pix payment in Brazil

UPI payment in India vs Pix payment in Brazil: a parallel between both APMs

Learn how to include and mention PIX in your checkout and start offering the payment method that is used by more than 75% of all Brazilians!

Pix: why should you use this Payment Method in Brazil?

Pix: why should you use this alternative payment method right away for your e-commerce in Brazil?

Learn more about pay-in and payout, a comprehensive payment solution tailored by EBANX that has been powering global giants.

Pay-in and Payout: all about this solution for global businesses

EBANX Pay-in and Payout: all about this built-to-fit solution for international businesses

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

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

Director of Country Growth at EBANX, Juliana leads all the strategic expansion work of EBANX in Latin America, ensuring the best synergy between the company and players in payment, digital commerce, financial ecosystems, and fintech in the region. She has deep knowledge of institutional relationships with a focus on solid and consistent connections to ensure business development and international expansion in Latin America. Etcheverry believes that payment solutions go beyond a simple need for the online merchant – when well executed, they become a real business and expansion strategy for merchants who sell online, whether physical products, services, or subscriptions. 

Juliana Etcheverry

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

Nathalia is an experienced professional with two bachelor's degrees: one in International Relations from the Federal University of Sergipe (UFS) and the other in Marketing and Advertising at PUC Minas Gerais. She has experience as an SEO and Content Specialist for over seven years and has worked in some of the financial giants of Brazil. Finally, Nathalia has been a part of EBANX's team as the main content manager for the website and organic channels, with in-depth expertise in the international payment and financial ecosystem. 

Nathalia Sampaio

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

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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How global SaaS companies can accelerate growth through recurring payments.

The SaaS market in rising economies

[WHITEPAPER]: The SaaS market in rising economies

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

Discover now

Beyond Borders 2025

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

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

I want the report

Report: Gaming in Latin America

EBANX Pay-in and Payout: all about this built-to-fit solution

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

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Beyond Borders 2024: The Digital Commerce Study

Download the Study

Our annual study is out! Beyond Borders 2022-2023

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Get the latest news and trends about payments and market in Africa!

Market Updates

Online Payments

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 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

Unified Payments Interface (UPI)

What is UPI in India and how does it work?

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 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 stands for Society of Worldwide Interbank Financial Telecommunication. See how does it work.

Swift Code

What is SWIFT Code? | Payments Explained

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

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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

Pix: why should you use this alternative payment method

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

Get the guide

EBANX Retail & Marketplace Solution

Global companies see 33% monthly growth in transaction volume with Nequi

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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

Fraud and Risk Management: payment protection and sales performance

Learn more about EBANX Anti-Fraud and how it works by combining cyber security, protected transactions, and high sales performance in emerging markets.

EBANX Fraud and Risk Management: the solution combining payment protection and high sales performance

EBANX Recognized as top 30 Leading Brands in Forbes China

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

Expanding in Hypergrowing in SaaS Markets

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 

A2A Payment: why is account-to-account evolving so rapidly?

The rapid evolution of account-to-account (A2A) payments reflects a shift in global commerce driven by the demand for cost-efficiency and financial inclusion.

A2A Payment: What is It and How it is Shaping Global Commerce

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.

Mastering B2B Payments: A guide for global businesses

Uncover the power of B2B payments for global success. Click now to master the essentials of international business payments.

Mastering B2B Payments: The Complete Guide for International Businesses

Fraud and Risk Management: optimize your payment protection

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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!

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

Luiza is part of the EBANX marketing team and is also a journalist. Passionate about marketing and business management, she enhanced her expertise with a postgraduate degree in Marketing from ESPM, a specialization in Digital Marketing in partnership with the Digital Marketing Institute in Dublin, and an MBA in Digital Business from São Paulo University, focusing on Digital Business. At EBANX, she applies her knowledge to drive marketing strategies in the global payments industry.

Luiza Luersen

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

EBANX Launches Its High Ticket Solution in Africa

Roberta is a marketing professional with 8+ years of experience crafting strategies for global businesses, particularly in the tech industry. Holding a master's degree and having lived and worked in countries like Brazil, Turkey, and Argentina, she brings a deep understanding of diverse markets and cultural nuances. At EBANX, she leverages her expertise to help companies optimize payment strategies across North America, Europe, and LATAM.

Latest Articles

Brazil skipped the line in digital payment innovation

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

What is EBANX and how does this platform work?

Interoperability fuels wallet growth in emerging markets

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Data Nugget

BEYOND BORDERS 2025 IS OUT!

Words from our experts

Meet our experts

João Del Valle

Fernando Pankiewicz

Juliana Etcheverry

Fabio Maia

Nathalia Sampaio

Carolina Pompeo

João Del Valle

Fernando Pankiewicz

Juliana Etcheverry

Fabio Maia

Nathalia Sampaio

Carolina Pompeo

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Payments Explained

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