EBANX Latin America Payment API
EBANX Latin America payment REST API for global businesses to accept local payment methods in 15+ LatAm countries including Brazil (PIX, Boleto, card), Mexico (OXXO, SPEI, card), Colombia, Chile, Argentina, and Peru with localized checkout experience and currency management. Enables AI agents to manage multi-country LatAm payment acceptance for cross-border LatAm automation, handle Brazil PIX and Boleto for Brazilian payment automation, access Mexico OXXO cash voucher for Mexican offline payment automation, retrieve SPEI bank transfer for Mexico instant transfer automation, manage Colombia PSE bank transfer for Colombian payment automation, handle Chile WebPay and Khipu for Chilean local payment automation, access Argentina debit/credit and local methods for Argentine payment automation, retrieve payment status and callback for LatAm order confirmation automation, manage refund processing for LatAm order management automation, and integrate EBANX with global e-commerce, SaaS, and digital media platforms for end-to-end LatAm payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
LatAm payments. PCI-DSS, LGPD. Integration key. BR. Multi-country payment data.
⚡ Reliability
Best When
A global merchant wanting AI agents to automate local payment method acceptance across 15+ Latin American countries — PIX, OXXO, Boleto, SPEI, PSE — through EBANX's pan-LatAm payment infrastructure.
Avoid When
COUNTRY-SPECIFIC PAYMENT METHOD AVAILABILITY: EBANX payment methods vary significantly by country; automated multi-country checkout must configure payment methods per customer country; automated generic LatAm payment list creates unavailable method error for country-specific methods. CASH VOUCHER ASYNC PAYMENT CONFIRMATION: Mexico OXXO and similar cash vouchers are paid offline; automated order fulfillment must not assume immediate payment; automated OXXO checkout must implement async payment confirmation via webhook (payment confirmed when customer pays at OXXO store, typically hours or days later). CURRENCY CONVERSION AND LOCAL PRICING: EBANX accepts payment in local currency (BRL, MXN, COP); automated pricing must display and charge in local currency; automated USD-only pricing for LatAm customers creates poor conversion due to unfamiliar currency. REFUND TIMELINE BY COUNTRY: EBANX refund processing varies by country and payment method (Boleto: 10-14 days, PIX: instant); automated refund status communication must account for country-specific timeline; automated same-day refund assumption for all methods creates incorrect customer expectation.
Use Cases
- • Accepting Brazil PIX and Boleto from LatAm digital commerce agents
- • Processing Mexico OXXO and SPEI from LatAm localized checkout agents
- • Managing multi-country LatAm checkout from cross-border merchant agents
- • Collecting Argentina and Colombia local payments from regional commerce agents
Not For
- • Brazil-only payments at highest volume (use PagSeguro or Cielo for Brazil enterprise)
- • Global payments outside LatAm (use Stripe or Adyen for international markets)
- • Enterprise LatAm with complex treasury needs (use BBVA or Santander LatAm for banking)
Interface
Authentication
EBANX uses integration key for API authentication. REST API with JSON. Curitiba, Brazil HQ. Founded 2012 by João Del Valle and Alphonse Voigt. Backed by FTV Capital, Plaid investors ($430M valuation). Products: 15+ LatAm countries, PIX, Boleto, OXXO, SPEI, PSE, WebPay, card processing. SDKs: PHP, Java, Python, Node.js, Ruby. LGPD. PCI DSS. Serves global digital companies entering LatAm. Competes with MercadoPago and PayRetailers for pan-LatAm payments.
Pricing
Curitiba BR. FTV backed. Per-transaction fees include FX conversion. Merchant agreement required per country.
Agent Metadata
Known Gotchas
- ⚠ MERCHANT PAYMENT CODE (PAYMENT_TYPE_CODE): EBANX requires payment_type_code specifying exact payment method (boleto, pix, oxxo, spei, etc.); automated checkout must map customer selection to EBANX code; automated incorrect payment_type_code creates wrong payment method routing
- ⚠ HASH VALIDATION FOR CALLBACKS: EBANX callbacks include hash parameter for authenticity; automated callback processing must validate hash using integration key; automated unvalidated callback creates spoofed payment notification vulnerability
- ⚠ OXXO CASH VOUCHER EXPIRY: Mexico OXXO vouchers have configurable expiry (typically 7 days); automated checkout must set appropriate expiry; automated very-short expiry creates customer payment difficulty; automated very-long expiry creates inventory management challenge for physical goods
- ⚠ COUNTRY-SPECIFIC CUSTOMER DATA REQUIREMENTS: EBANX requires country-specific customer data (CPF for Brazil, RFC for Mexico, etc.); automated checkout must collect correct tax ID per customer country; automated missing country-specific data creates checkout rejection
- ⚠ FX CONVERSION RATE AT PAYMENT TIME: EBANX converts settlement to USD/EUR at payment time rate; automated revenue accounting must account for FX rate variance; automated fixed-rate revenue assumption creates accounting discrepancy from actual EBANX settlement
Alternatives
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Scores are editorial opinions as of 2026-03-07.