November 2018

Latin America
Payments Solution
 Connecting the
world through
payments
EBANX is a global fintech company with
Latin American DNA. Founded in 2012, it
ABOUT EBANX

offers end-to-end payment solutions across

the entire cross-border ecommerce
transaction flow, providing over 100 Latin
American local payment options to global
merchants eager to expand throughout the
region. 
 Alphonse Voigt

 Wagner Ruiz
CEO
In early 2018 FTV Capital did
 CFO
a round of investment (USD 30M), joining João Del Valle
the EBANX team. COO

2
ABOUT EBANX: WHERE

London
Card Processing Office

EBANX San Francisco

Business Development Office

Presence Mexico
End user team

São Paulo Singapore

FX Banking Division Settlement Center

Curitiba
Uruguay Headquarters
LATAM
Expansion
office
 What does Merchants
EBANX Do?
We help global merchants grow exponentially

and increase revenue in Latin America with

W H AT I S E B A N X ?

a full service local payments solution.

Competitive advantages:


No Need of a Local Entity

Up-to 3x Higher Credit Card Approval Rates

Over 20 Relevant Payment Methods

Collects Locally, Settles Globally

Fraud Prevention

Comprehensive Reporting

Customer Services: no need for spending


+ 5 0 0
money with customer service, we do it for you.

4
 EBANX Transaction Flow
International
t online
store integrated
H O W D O E B A N X O P E R AT E

with EBANX EBANX o ers payment

MERCHANT methods at checkout

CUSTOMER
Customer visits
an online
store to
shop
The merchant EBANX confirms Customer’s payment
releases the transaction to confirmed and amount due is
product or service the merchant transfered to EBANX local entity
to the shopper
(real time)

EBANX
settles the amount
to EBANX Singapore
EBANX Singapore
settles the amount
due to the merchant

SINGAPORE

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 EBANX Solutions Level 1

Credit and Cash Payment/

Debit Cards Voucher / bank transfer
WHY EBANX: SOLUTIONS

Confirmation
Real Time

Installments Single / Dual Refunds Process Confirmation

Available Messaging Online Real Time
Available Available

Expiration
Usually 3 Days - configurable

Recurrence Tokenization Retry Logic Smart Routing

Available Available Available Real Time
Risk
Risk free of
chargebacks and fraud

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 Payments Solution New countries in 2018/2019

BOLIVIA ECUADOR PARAGUAY URUGUAY

EBANX CAS H PAY M E N T

/ VO U CH E R
CR E D I T A N D
D E B I T CA R DS
O N L IN E
A LT E R N AT IV E
M E T H O DS
PAY M E N T M E T H O D S AVA I L A B L E

BRAZIL

MEXICO

COLOMBIA

CHILE

PERU Coming Soon

ARGENTINA Coming Soon

ECUADOR Coming Soon

 EBANX Product System

EBANX CORE PRODUCT SUPPORT MERCHANT MINIMUM

PRODUCTS: PRODUCT SYSTEM

PLATFORM SUPPORT PRODUCT

PLATFORM
BI / Data
OFFER
Risk + Fraud Deep Dive

End user Ops + Payment method

products Security Customer Local business
Service advisory
Payment processing
FX
Management Product support platform

Remittances/ Merchant support platform

Merchant Services
Payouts

Payment processing is the These services support all the These services support the Our minimum product offer
core activity of EBANX and payment processing for every merchant to offer better includes payment method per
is activated at every transaction made. products and services to country (cash, card or
transaction made. every country EBANX alternative methods) + product
operates. support platform + merchant
support platform.
 EBANX Product System
P R O D U C T S : M E R C H A N T S U P P O RT P L AT F O R M

MERCHANT BI / Data - Deep Dive

SUPPORT EBANX provides reports and data to go deeper to help merchants to have
PLATFORM
BI / Data
most of their experience when selling to Latin America.
Deep Dive

Customer Service
Customer Local business
Service advisory
EBANX provides a direct connection with the end user in three different
languages spoken in Latin America: Portuguese, Spanish and English.

Merchant Services

These services support the Merchant Services

merchant to offer better
EBANX provides the best support to the merchants helping them to
products and services to
improve sales, to reduce friction, and to have the best experience selling
every country EBANX
in Latin America.
operates.

Local business advisory

EBANX help merchants to offer localized experience considering all the
relevant regional aspect to better communicate with the user base in
every country.
 EBANX Product System
P R O D U C T S : P R O D U C T S U P P O RT P L AT F O R M

PRODUCT SUPPORT Risk + Fraud

PLATFORM EBANX runs risk checks at every transaction to guarantee the most secure operation. It also
created new standards regarding Latin America own requirements.
Risk + Fraud

Ops + Security
End user Ops + EBANX have a team dedicated to providing the most safety operation and compliant with the most
products Security
advanced practices in the world.

FX
Management
FX Management
Remittances/ Dedicated teams to work with FX Management guarantees the best practices and to make our core
Payouts
process safe and reliable for every transaction.
These services supports all
the payment processing for
every transaction made. Remittances / Payouts
EBANX works with worldwide remittance creating a seamless and connected global operation. By
operating with the most advanced regulations in the world, our activity is global at is core.

End-user products
The end user has access to some platforms created to help them have refunds, to connect with
EBANX, and to see all their purchases. Transparent and straightforward.
 EBANX Core: Payment processing
Packages and products

Package
 Package Package Package Package Package Package Package Package Package
Brazil Mexico Colombia Chile Peru Bolivia Paraguay Uruguay Ecuador Argentina

Alternative payment Credit and debit cards Electronic transfer

methods + platforms + platforms
+ platforms

EBANX product support platform EBANX merchant support platform

End Risk + Ops + Remittances/ FX Customer Local Merchant BI / Data

user Fraud Security Payouts Management Service business Services Deep Dive
advisory
P R O D U C T S : C E RT I F I C AT I O N S

Status as Level-1 PCI-DSS Service Provider* by our Qualified Security Assessor

– Cipher, allows EBANX to maintain solid rapport with local acquirers, ensuring
higher approval rates regardless of whether or not a CSC is provided.

ISO27001 Certification

* Certification is renewed yearly

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SUCCESS CASES
 Udacity is bringing world class
companies to educate Brazilian
professionals.
Udacity is a for-profit educational organization founded in 2012 by David
Stavens and Mike Sokolsky, offering massive open online courses
(MOOCs). According to Thrun, the origin of the name Udacity comes from
CASES

the company's desire to be “audacious for you, the student." While it

initially focused on offering university-style courses, it now focuses more
on vocational classes for professionals.


With EBANX, Udacity offers the Boleto, all local payment methods
(installments included) and utilizes marketing support. Processing with
EBANX since June 2016, the company saw more than

114% quarter-to-quarter growth.


EBANX is also assisting Udacity with LATAM expansion.

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 AirBnB was selected as the Some stats gathered
premier alternative from media:
accommodation service for
the Rio 2016 Olympic Rio de Janeiro is currently the 4th largest market
Games. for AirBnB (after Paris, New York and London).
Growth of available accommodations in the City
At the time AirBnB won this bid, they offered
accommodations with pure cross border acquiring. They of Rio de Janeiro from AirBnB:
CASES

were using an acquirer in the United States and charging

customers in USD. 

40K
AirBnB selected EBANX
25K
‣ The local currency of Brazilian reais (BRL) 20K
‣ By offering installments 900
‣ By accepting domestic credit cards

and the Boleto 2012 2015 2016 2017

AirBnB grew extensively in Brazil throughout
 All these results were achieved after AirBnB turned from a cross border
the Rio Olympic Games and continues its impressive to a local full service model, and EBANX is powering the local
processing of these payments
growth today.

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 Spotify started operating in
Brazil in early 2014. The
2014 FIFA World Cup was
held in June and July 2014.   SPOTIFY HAS
Spotify launched their services and charged customers in REACHED 60M PAID
USD (using a pure cross border acquirer in Europe)
 USERS AS OF JULY/17
and the feedback from subscribers was not good.
CASES

BRAZIL HAS CLOSE


Doing the math and even
TO 12% OF THE
taking smaller percentages
Users wanted to be able to pay in their local currency (BRL) SUBSCRIBERS BASE
on the market share, we can
and Spotify listened. Spotify used EBANX as the local partner
extrapolate that the growth
and we were ready by May 2014 (before the World Cup kick
of Spotify in Brazil was very
off): 
steep - local payment
methods and processing

‣ Prices in BRL  
is directly connected. 
‣ Access domestic cards (ELO, Hiper, domestic

VISA and MC that transact only in BRL)  
‣ Boleto as the Pay-As-You-Go method and used

for some campaigns to acquire new subscribers reluctant to Source: https://press.spotify.com/us/about/

provide card details.

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 Brazil’s Most Cherished
Chinese E-commerce
AliExpress started offering the Boleto as the only payment
option in 2013. Since the first year, transaction numbers
have grown more than 9 times from 2013 to 2016. Local
payment methods have also expanded to include domestic
credit cards, electronic transfer and the option for installments.


CASES

AliExpress awareness raised with Boleto option and now it is

very common to buy from Chinese merchants with AliExpress
in Brazil.

ne 18, 2017
r s - P ublished: Ju
e
The Payp
y/2tl8oOx
9txransactions ht t p: //bit .l

e ased
in c r
Exame - Pu
blished: M
http://abr.a ay 27, 2017
i/2rsioI3

2013 2014 2015 2016

Boleto Credit Card Bank Transfer 17

THANK YOU
 Gabriela Belotto
Sales Development Representative
Brazil and Latin America
w w w. b u s i n e s s . e b a n x . c o m
[email protected]

+ 55 (41) 9 9684-5502

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