Ecuador
Ecuador represents a unique market in Latin America with its dollarized economy, making it an ideal destination for international businesses looking to expand their operations. The country offers a robust financial infrastructure with a diverse ecosystem of payment methods that cater to different user preferences and accessibility needs.
🖥️ Payment Interface Preview
Please note that the process is always the same, before processing the transaction you must create the order, here is an example of the body for this country.
{
"country": "ECU",
"origin": "api",
"amount": "2",
"email": "test@gmail.com"
}
Accepted Identification Document Types
- CC: Citizenship Card
- RUC: Single Taxpayer Registry
Pay In
Bank Transfer
Our banking partners in Ecuador include the country's most trusted and widely-used financial institutions, ensuring maximum coverage and reliability for your transactions.
| Type Transaction | Type Payment | Payment Method | Supported Providers | Logos |
|---|---|---|---|---|
bankin | bank | internacional | Banco internacional |  |
bpacifico | Banco del Pacifico |  | ||
Banco Amazonas | Banco Amazonas |
Complete transaction - Body (Sample Request)
{
"hash": "U2FsdGV...",
"paymentMethod": "Banco Amazonas", // internacional || bpacifico
"typePayment": "bank",
"typeTransaction": "bankin",
"description": "payment",
"merchantId": "321321",
"urlReturn": "https://www.url.com/success.com",
"urlRejected": "https://www.url.com/error.com",
"urlWebhook": "https://webhook/ok"
}
Cash
The cash payment ecosystem includes everything from established retail giants like Almacenes Tía and Mi Comisariato to specialized financial service providers like BeMovil, creating multiple touchpoints for your customers throughout the country.
| Type Transaction | Type Payment | Payment Method | Supported Providers | Logos |
|---|---|---|---|---|
cashin | cash | bemovil | Bemovil Ecuador | |
bevalida | Bevalida 345 |  | ||
minegocioefectivo | Mi negocio efectivo | |||
wu | Wester Union Ecuador |  | ||
Red Activa | Red Activa | |||
Red de Agentes Facilito | Red de Agentes Facilito |  | ||
Banco Amazonas | Banco Amazonas | |||
Almacenes Tía | Almacenes Tía |  | ||
Mi comisariato | Mi comisariato |  | ||
Farmacias 911 | Farmacias 911 |  | ||
BANCO COOPNACIONAL | Banco Coopnacional |  |
Complete transaction - Body (Sample Request)
{
"hash": "U2FsdGV...",
"paymentMethod" : "minegocioefectivo",
"typePayment" : "cash",
"typeTransaction":"cashin",
"description" : "Orden de prueba",
"merchantId":"11223344",
"urlWebhook": "https://webhook/ok"
}
Wallet
Paypal
This endpoint allows you to initiate a payment process with PayPal through our API.
We will generate a checkout URL where the customer can be redirected to securely complete the payment process.
Complete transaction - Body (Sample Request)
{
"hash": "U2FsdGV...",
"paymentMethod": "paypal",
"typePayment": "wallet",
"typeTransaction": "walletin",
"merchantId": "564153131",
"urlReturn": "https://google.com",
"urlRejected": "https://youtube.com",
"urlWebhook": "https://webhook/ok"
}
Aditional Notes
- The merchant must redirect the user to the
payer-actionURL immediately after receiving the response.- Do not rely solely on user redirection to confirm the payment; always validate the final payment status using the webhook.
Pay Out
Our Pay-Out solutions in Ecuador leverage the country's stable banking infrastructure to provide reliable fund disbursement services.
Bank Transfer
| Type Transaction | Type Payment | Payment Method | Supported Providers | Logos |
|---|---|---|---|---|
bank | bank | internacional | Banco internacional | |
bpacifico | Banco del Pacifico | | ||
Banco Amazonas | Banco Amazonas | |||
pichincha | Banco Pichincha |  | ||
bbolivariano | Banco Bolivariano | |||
guayaquil | Banco Guayaquil |  | ||
produbanco | Produbanco |  |
Complete transaction - Body (Sample Request)
{
"hash": "U2FsdGV...",
"paymentMethod": "bpacifico",
"typePayment": "bank",
"typeTransaction": "bankout",
"customer": {
"typeDocument": "DPI",
"document": "1234567890",
"name": "Juan",
"lastName": "Pérez",
"phoneNumber": "3133133131"
},
"address": {
"line1": "123 First Street",
"countryCode": "EC",
"stateProvince": "Province 1",
"city": "Orlando"
},
"additionalInformation": {
"ctry": "EC",
"bankAccount": "bpacifico",
"bankAccountNumber": "12345678912",
"bankAccountType": "Ahorro"
}
}
Limits
💡 Note: The values expressed in this "Limits" section are in USD.
Cash
| Payment Method | Minimum | Maximum | Min. Daily Transactions / Max. Daily Transactions |
|---|---|---|---|
| Cash | 1 USD | 500 USD | No limit, but transactions over 2000 / month require documentation. Over 5,000 in banks, a currency origin disclaimer is needed. |
| Bemovil | 5 USD | 500 USD | 5 Pending Transactions per user |
| Deuna | 5 USD | 500 USD | 5 Pending Transactions per user |
| Mi Negocio Efectivo | 5 USD | 500 USD | 5 Pending Transactions per user |
| Pagament | 5 USD | 500 USD | 5 Pending Transactions per user |
| Wallet Ecuador | 5 USD | 500 USD | 5 Pending Transactions per user |
| Produbanco | 5 USD | 500 USD | 5 Pending Transactions per user |
| Wester Union Ec | 5 USD | 500 USD | 5 Pending Transactions per user |
Bank Transfer
| Payment Method | Minimum | Maximum | Min. Daily Transactions / Max. Daily Transactions |
|---|---|---|---|
| Banco Bolivariano | 5 USD | 500 USD | 5 Pending Transactions per user |
| Banco del Pacifico | 5 USD | 500 USD | 5 Pending Transactions per user |
| Banco Internacional | 5 USD | 500 USD | 5 Pending Transactions per user |
| Banco Pichincha | 5 USD | 500 USD | 5 Pending Transactions per user |
💰 Fees & Rates
These are the applicable processing fees (before VAT and any other taxes) for transactions in Ecuador.
| Payment Method | Type | Providers | Fee |
|---|---|---|---|
| 🏦 Bank Transfer | Pay In |  | 3.99% + 0.10 USD |
| 🏦 Bank Transfer | Pay Out |  | 3.99% + 0.10 USD |
| 💸 APMs | Cash In |  | 3.0% + 3 USD |
💼 Additional Notes (Crypto Settlement):
- Exchange Rate (Crypto): 2.0% (FIAT & Crypto)
- Settlement Cost (Crypto): 30 USD
- Minimum Amount to Settle: 5,000 USDT
- Settlement Times: Weekly