Sources: Banco Central del Ecuador, Superintendencia de Bancos and provider disclosures, 2024–2025.
How Ecuador pays
Ecuador has used the US dollar since 2000, which removes currency risk for cross-border merchants. Cards lead online, and Diners Club has an unusually strong local presence next to Visa and Mastercard. Shoppers expect diferidos, deferred installment plans, on larger purchases, and local processors such as Datafast and Medianet handle much of the acquiring.
Wallets are growing fast: DeUna, the QR wallet from Banco Pichincha, and PayPhone let people pay from their bank account or card by phone. For an enterprise merchant, the value is approvals and reach: cards, wallets and local methods behind one integration, routing across acquirers, frictionless 3DS and retries, with Spanish-language checkout and dollar settlement.
Why merchants run on us here
Installments that convert
Offer the diferidos installment plans Ecuadorian cardholders look for on bigger purchases.
Diners Club and the global schemes
Accept Diners Club alongside Visa and Mastercard, with routing across local acquirers.
QR and phone wallets
DeUna and PayPhone let shoppers pay from their phone using their bank account or card.
One integration, dollar settlement
Cards, wallets and local methods behind one integration, in US dollars, with 3DS and Spanish-language checkout.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Ecuador
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Ecuador like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Ecuador through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the US dollar (USD) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Ecuador?
Talk to our payments team about going live in Ecuador — coverage, local acquiring, settlement and timelines for your business.