EBANX

Out of the ordinary results deserve an out of the ordinary party! After our passengers boarded a flight led by the C-Level at our last All Hands, soaring through the quarter’s results and achievements, the invitation was clear: dress in tribute to a culture, a people, or a place, and transform our HQ into a true international terminal. When you're truly global, the whole world fits in your party 🌎✈️ #EBANXLife #OutOfTheOrdinary #TamoJunto #ebankers

Cabin crew, prepare for takeoff ✈️ Last week, we gathered our passengers, the ebankers, for another hybrid edition of All Hands at our HQ in Curitiba. This was the moment when the whole company came together. Results, growth and next destinations, celebrated with the people who actually made it happen. The theme was no coincidence: EBANX is a global company and All Around the World was designed to celebrate exactly that, giving each ebanker the chance to pay tribute to a culture, a place, and the people behind it. And of course, no good flight ends without a great landing. Stay tuned, soon we'll tell you how that landing went 😉 #EBANXLife #TamoJunto #ebankers

In a few days, we’ll be heading to Money20/20 Europe. The EBANX team will be there to connect, exchange perspectives, and discuss the trends, opportunities, and payment strategies driving growth across emerging markets. Whether you want to talk about expansion, local payment experiences, or the evolving dynamics of global commerce, we’d love to meet. Taking the stage, our CRO, Marie-Elise Droga, will join the Growth and Marketing Meetup, an interactive discussion bringing together growth, an interactive discussion bringing together growth, marketing, and brand leaders from across the global ecosystem to explore what it takes to drive growth in a fast-changing market. Another EBANX voice joining the stage, Daniel Kornitzer will also join Money20/20’s RiseUp and Amplify program, contributing to conversations around mentorship, leadership culture, and how organizations can foster more inclusive, balanced, and productive workplaces. Book some time with us here: https://hubs.ly/Q04f3X5r0 See you at Money20/20 Europe! #EBANX #payments

One of the biggest misconceptions in payments is that improving card approval rates today is only about optimizing authorization flows or adopting network tokens. But there’s still a major blind spot in the ecosystem: non-tokenized cards. In Latin America, around 42% of cards still run through the traditional pipeline, meaning millions of transactions remain exposed to failures caused by outdated card credentials. For subscription businesses, this becomes a silent revenue leak: expired cards, replaced cards, stolen cards, involuntary churn... However, many of these declines are actually recoverable. At EBANX, we tested a real-time Card Account Updater model designed to intervene at the exact moment a payment fails. Instead of returning the decline immediately, the system checks the card networks for updated credentials and retries the transaction within milliseconds. In a pilot with a major streaming merchant in Brazil, more than 52% of eligible declined transactions were successfully recovered. The broader takeaway is that the next gains in approval rates may come less from new checkout experiences and more from intelligent payment recovery happening quietly in the background. #EBANX #payments

For a long time, alternative payment methods were mostly built for one-off transactions. Pay, redirect, authenticate, repeat. But that model is evolving: with APMs on File, merchants can enable one-click payments and recurring billing through local payment methods, helping reduce friction for consumers who prefer to pay outside of cards. Across markets, solutions such as Pix on File, Nequi Recurring, Yape on File, and Mercado Pago Connect are enabling new use cases for local payment methods, including subscriptions and one-click purchases. #EBANX #payments

In the latest episode of Payments on Fire, João Del Valle, CEO and co-founder of EBANX, joined Drew Edmond, from Glenbrook Partners, for a conversation on what global merchants are navigating today: fragmented payment ecosystems, fast-changing consumer habits, and the challenge of scaling across very different markets. In this clip, João shares one practical example of that complexity: payment bundles and how they can help merchants scale local payment method integrations more efficiently. Listen to the full episode here: https://hubs.ly/Q04h2Cc40 #EBANX #payments

This week, we gathered part of São Paulo’s payments community for a close-up look at Pix. In a workshop led by Fernando Pankiewicz Gomes, we unpacked the evolution of Brazil’s instant payment system, its impact on digital commerce, and the opportunities ahead with new features like Pix Automático for recurring payments. As Pix continues to evolve, in-depth conversations like this are key to exchanging perspectives on the opportunities and challenges shaping customer experience, growth, and new payment models. Thanks to everyone who joined us! #EBANX #payments

Who spends more online: Gen Z or Baby Boomers? It depends on where (and on the vertical!) you look. Insights from EBANX’s Beyond Borders 2026 show that age demographics are reshaping digital spending patterns across regions: while some markets are increasingly driven by consumers aged 45+, others are powered by younger generations. Take streaming, for example. In Sub-Saharan Africa and Southeast Asia, digital consumption is powered by younger generations. In markets like Nigeria, younger consumers already represent the majority of online spending in fast-growing verticals such as gaming and mobility, signaling strong long-term growth potential as these users move into their peak earning years. Latin America sits somewhere in between: a more mature and stable digital market, but one that still requires brands to engage multiple generations at once. In Brazil, for example, older demographics already represent a significant share of digital consumption, while younger consumers are setting the pace for future consumption trends. Meanwhile, in Europe, the U.S., and developed Asian economies, online spending is more concentrated among the 45–65 and 65+ age groups, reflecting more mature digital ecosystems and aging populations. In short, expanding across markets requires understanding not only how consumers pay, but also who they are, what they buy, and how demographic shifts influence digital demand over time. For the full analysis (and interactive visuals), made in partnership with World Data Lab, you can access our report (link in the comments). #EBANX #payments

Network tokens improved card approval rates. But what about the cards that still aren’t tokenized? In Latin America, around 42% of cards still run through the traditional pipeline, meaning millions of transactions remain exposed to failures caused by outdated card credentials. For subscription businesses, this often translates into involuntary churn. Yet, many of these declines are actually recoverable. At EBANX, we tested a real-time Card Account Updater model designed to intervene at the exact moment a payment fails, checking card networks for updated credentials and retrying the transaction instantly. Read the full analysis by Fabio Maia here: https://hubs.ly/Q04g84MN0 #EBANX #payments

April was a strong month for EBANX across global media conversations. As we continue expanding our footprint, we had the opportunity to contribute to important discussions around how digital payments are driving the global economy and enabling new ways of doing business. The stories shared throughout the month reflect both the momentum of our business and the broader transformation happening across the payments ecosystem. Here's a snapshot of some of the stories and conversations that helped amplify the EBANX vision around the world! #EBANX #payments