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Payment Gateway
Ecuador
Local, Online & Cross-Border Payments
Ecuador

Ecuador

Ecuador
Top e-commerce industries
24.3%
Electronics
20.8%
Hobby & Leisure
21.3%
Fashion
Furniture & Homeware
Care Products
DIY
Grocery

Welcome to 8B — a trusted cross-border payment provider combining global-grade technology with deep local market access.

If you’re expanding into the region — across e-commerce, travel, gaming, digital services, or platforms — 8B makes it easy to accept local payments, send payouts with confidence, and manage all financial flows through a single, unified solution.

Quito
Capital
18.3M
Population
GMT -5
Time Zone (GMT)
USD
Currency
American dollar
$24.1B
Transactions
value in 2030
21%
CAGR
of Digital Payments during 2025-2030

Built for Today’s Most Dynamic Sectors

Extend your reach with a comprehensive set of local wallets, bank rails and alternative payment methods preferred by consumers.

Payments & Payouts

Manage everything - customer payments, partner payouts, contractor disbursements  - through one unified platform.

Cross-Border Business Payments

Retail & E-commerce, Gaming & Travel Payments, PSPs

Deliver a fast, frictionless checkout experience optimized for high-volume online transactions.

Settle globally and pay out locally with full transparency, strong compliance and efficient routing across payment ecosystem.

Bank Transfer (EC)
Red Activa
Farmacias 911
Tía
Bank Transfer
20%
Buy Now Pay Later
1%
Cash-in
6%
Credit Cards
31%
Debit Cards & Prepaid Cards
21%
E-wallet
11%
Mobile Money
11%
Others
11%
A Local Payment Gateway
Ecuador
Can Rely On

Entering a new market doesn’t need to be complicated. 8B gives you secure infrastructure, intuitive tools and the complete suite of Local Payment Methods your customers trust — no credit cards required.

Local Payment Methods, Fully Connected

Give shoppers the payment options they use every day:

Extend your reach

Bank transfers are a fundamental component of Ecuador's financial system. Major financial institutions such as Banco Pichincha, Banco Guayaquil, and Banco del Pacífico offer these services through traditional branch banking, online platforms, and mobile applications, providing flexibility and convenience for users.

Method
Bank Transfer (EC)
LPM Market Share
n/a
Payments
Yes
Refunds
Yes - full refunds only
Type
Bank Transfer
Local Card Scheme
Users
8M
Disbursements
Yes (all banks in Ecuador)
Yes (all banks in Ecuador)
Chargebacks
No
Authorization currency
USD
Authorization
speed
Instant
Recurring
No
No
Notify when available

Reasons for Popularity

Bank transfers are accepted by most businesses and individuals in Ecuador

Many banks offer international transfer services, facilitating cross-border payments and making it easier for businesses and individuals to transact globally

Cash-in payments in Ecuador provide convenient and accessible financial services, offering local banking transactions through their extensive network of service points.

Method
Red Activa
LPM Market Share
n/a
Payments
Yes
Refunds
Yes - full and partial refunds (automated)
Type
Cash-in
Local Card Scheme
Users
1.3M
Disbursements
No
No
Chargebacks
No
Authorization currency
USD
Authorization
speed
Instant
Recurring
No
No
Notify when available

Reasons for Popularity

Users can perform various transactions such as deposits, withdrawals, bill payments, and remittances

Farmacias 911 provides a widespread cash payment network in Ecuador, allowing businesses to accept payments conveniently from customers who prefer cash.

Method
Farmacias 911
LPM Market Share
n/a
Payments
Yes
Refunds
Yes - full and partial refunds (automated)
Type
Cash-in
Local Card Scheme
Users
n/a
Disbursements
Yes (all banks in Ecuador)
Yes (all banks in Ecuador)
Chargebacks
No
Authorization currency
USD
Authorization
speed
Instant
Recurring
No
No
Notify when available

Reasons for Popularity

Accessibility Cash-based methods are essential in Ecuador, especially for unbanked consumers or those preferring traditional payment options

Cash-in payments in Ecuador provide convenient and accessible financial services, offering local banking transactions through their extensive network of service points.

Method
Tía
LPM Market Share
n/a
Payments
Yes
Refunds
Yes - full and partial refunds (automated)
Type
Cash-in
Local Card Scheme
Users
650K
Disbursements
No
No
Chargebacks
No
Authorization currency
USD
Authorization
speed
Instant
Recurring
No
No
Notify when available

Reasons for Popularity

Users can perform various transactions such as deposits, withdrawals, bill payments, and remittances

Why Companies Choose 8B in
Ecuador

Built for Developers

Modern APIs, clean documentation and rapid integration.

Built for Finance Teams

Automated reconciliation, transparent reporting and streamlined settlements.

Built for Customers

Trusted local payment methods, smooth checkout journeys and fewer abandoned carts.