EBANX API
Payments · Banking & Fintech · Currency Exchange
EBANX is a Brazil-founded cross-border payments platform, with roughly 11 years in the market, that helps global brands accept and settle payments in emerging markets. It provides pay-in (accepting local payment methods), payouts, FX conversion, and card tokenization infrastructure, giving merchants a single integration to reach shoppers across more than 20 countries in Latin America, Africa, and Asia rather than negotiating separately with dozens of local acquirers and banks.
Global/international merchants (e-commerce, SaaS, gaming, streaming, marketplaces) expanding into Nigeria and other emerging markets who need Nigerian-preferred payment methods (Bank Transfer, OPay, cards, USSD) plus cross-border settlement, rather than Nigerian-only startups seeking a lightweight local-only gateway.
EBANX is built primarily for international/global merchants expanding into emerging markets rather than for Nigerian-only startups wanting a quick self-serve signup like Paystack or Flutterwave; onboarding is contract-based. Pricing is commission-based and individually negotiated, with no public flat-rate fee page. Sandbox testing is available at sandbox.ebanx.com using separate test credentials/test cards from production. JWS (signed requests) is the recommended authentication method going forward; the legacy Integration Key is being phased out.
Key Highlights
- Dedicated Nigeria payment methods: Bank Transfer, OPay wallet, cards, and USSD
- Sell to Nigerians in NGN while settling funds internationally in USD
- 200+ local payment methods supported across 20+ emerging-market countries
- Direct API with JWS-signed requests or legacy Integration Key authentication
- Sandbox environment (sandbox.ebanx.com) with test cards for safe integration testing
- B2B invoice payments from $10,000-$100,000 without traditional SWIFT transfers
Required Access Documents
- EBANX Merchant AccountRequiredRegister and sign a merchant contract with EBANX to get Dashboard access and integration credentials; EBANX is contract-based rather than instant self-serve signup.
- API Credentials (JWS key pair or Integration Key)RequiredGenerate an RSA key pair for JWS request signing (recommended) or obtain a legacy Integration Key from the EBANX Dashboard to authenticate API calls.
Use Cases
- Nigerian Checkout Localization:Offer Nigerian shoppers Bank Transfer, OPay, cards, and USSD at checkout instead of relying solely on international card payments.
- Cross-Border Settlement:Sell to Nigerian customers in Naira (NGN) at checkout while receiving settled funds in USD internationally.
- Subscription Billing:Run recurring payments using local Nigerian payment methods with smart retry logic for failed charges.