---
title: '6 mejores alternativas a EBANX (2026): Stripe vs Airwallex vs Unlimit'
description: '6 alternativas a EBANX para negocios transfronterizos, con Stripe número 1 y Unlimit número 3, comparadas por costo con USD 10,000 al mes y métodos de pago.'
url: 'https://www.unlimit.com/es/blog/payments/alternativas-a-ebanx/'
image: 'https://cdn.unlimit.com/wp-content/uploads/2026/11/05144005/alternativas-a-ebanx-thumbnail.webp'
language: es
translations:
  en: 'https://www.unlimit.com/blog/payments/ebanx-alternatives-for-business/'
  pt-pt: 'https://www.unlimit.com/pt-pt/blog/payments/alternativas-ao-ebanx/'
published: '2026-11-05T14:46:34+00:00'
modified: '2026-11-05T14:47:26+00:00'
categories:
  - Pagos
---

> The index of this site for AI agents is at https://www.unlimit.com/es/llms.txt

# 6 mejores alternativas a EBANX para negocios (2026): Stripe vs Airwallex vs Unlimit

Six alternatives to EBANX for businesses selling across borders, ranked on local methods, non-resident onboarding, settlement and FX, licences, market reach and published pricing, verified November 2026.

## Key takeaways

- Stripe leads the ranking: it scores highest on the payment methods a business’s customers use and on onboarding without a local entity.
- Reach is the main reason to leave EBANX. Its processing covers Latin America, Asia and Africa, so a business with customers in other regions uses a second provider as well.
- Airwallex is the cheapest and PayPal the most expensive in the card checkout scenario, so the payment processor changes what a business keeps from each sale. EBANX and dLocal quote prices per business, and their cost cannot be compared before a sales conversation.
- Providers differ on onboarding without a local entity. Stripe handles it best and Airwallex least, which makes that criterion the deciding one for a business with no company in its customers’ countries.
- Unlimit fits businesses that value local acquiring across several regions; its limit is pricing, which it quotes per business instead of publishing.
- The choice starts with onboarding without a local entity, then a licence the buyer can check in the regulator’s register, then settlement currency and FX, and Stripe does best on the first of these.

## Quick answer: the best EBANX alternatives for Businesses

The best EBANX alternatives for businesses are Stripe for subscription and digital-goods businesses that want a US company set up online, Airwallex for teams that integrate by API and want predictable currency conversion costs, and Unlimit for merchants selling across borders that want payment links and hosted payouts, with three more providers ranked below them on the same rubric.

## The 6 best EBANX alternatives compared

Six EBANX alternatives for businesses selling across borders, ranked by a weighted score out of 10, verified November 2026.

| Rank | Provider | Best for | Pricing model and headline rate | Cost at USD 10,000 a month | Payment methods | Markets | Score / 10 |
|---|---|---|---|---|---|---|---|
| 1 | Stripe | Subscription and digital-goods businesses that want a US company set up online | Flat rate: 2.9 percent plus USD 0.30, plus 1.5 percent for cards issued abroad | USD 470 | Cards; wallets; bank transfers; buy now pay later; cash; more than 125 methods | 51 countries and regions | 8.7 |
| 2 | Airwallex | Teams that integrate by API and want predictable currency conversion costs | Flat rate: 2.8 percent domestic, 4.3 percent for international cards, plus USD 0.30 | USD 460 | Visa, Mastercard, American Express and UnionPay cards; local payment methods; 160 methods for subscriptions | More than 180 countries | 7.8 |
| 3 | Unlimit | Merchants selling across borders that want payment links and hosted payouts | Quoted per business | Not published | Global and local card schemes; wallets; cash; bank transfers; mobile methods | More than 200 locations | 7.7 |
| 4 | dLocal | Marketplaces and platforms that pay out sellers in emerging markets | Not published | Not published | Local bank transfers such as PSE, SINPE, Khipu and VNPay | More than 60 countries | 7.5 |
| 5 | Adyen | Enterprises that need a choice of integration models for their platform | Interchange plus 0.6 percent plus USD 0.13 | USD 73 plus interchange | Cards including Accel; ACH Direct Debit; Afterpay buy now pay later | More than 130 countries | 7.4 |
| 6 | PayPal | Digital-goods sellers whose buyers pay with local vouchers and wallets | Flat rate: 2.99 percent plus USD 0.49, plus 1.5 percent for international cards | USD 498 | PayPal; cards; Apple Pay; Pay Later; Boleto Bancário; OXXO; Trustly; Satispay | Approximately 200 markets | 7.0 |

*Prices are published list prices in USD for online card checkout with cards issued abroad, verified November 2026; Not published marks a provider that quotes per business.*

## Why businesses look for an EBANX alternative

EBANX is a payment company that [provides payment processing in more than 20 countries across Latin America, Asia and Africa](https://ebanx.com/). That footprint is also the main reason businesses look elsewhere: a business whose customers are also in other regions has to run a second provider for those cross-border payments, with a second integration and a second contract to manage.

Testing starts only after a sales contact. EBANX [provides integration keys and Sandbox testing after a merchant fills in the Merchant Signup Form and its team makes contact](https://docs.ebanx.com/api-reference), so developers cannot try the API before the commercial conversation starts. A team that wants to compare checkouts in code before talking to anyone loses that option and has to plan time for the sales step.

Payouts into Brazil have a limit. [Each payee identified by a Brazilian CPF or CNPJ is limited to USD 10,000 a month in total EBANX payouts](https://docs.ebanx.com/docs/payout/get-started), so a marketplace paying larger Brazilian sellers needs a second payout route for the amounts above that limit.

What EBANX does well is settlement for a seller abroad. [Funds from local-currency sales can be received in USD anywhere in the world](https://www.ebanx.com/en/cross-border-payment-solutions/pay-in-and-payout/), which removes the need for a bank account in each country of sale. A provider that settles only in local currency means opening a bank account in each country again.

## How this was scored

Every provider is scored out of 10 on the 11 weighted criteria in the table below. Each criterion is scored against the best provider in the comparison, which gets 10, and the other providers score in proportion to it. Unlimit goes through the same process, and its position is not edited.

![The weight of each criterion in the rubric behind this ranking.](https://cdn.unlimit.com/wp-content/uploads/2026/11/05143134/ebanx-alternatives-for-business-image-1.webp)*The weight of each criterion in the rubric behind this ranking.*

Published by Unlimit. Unlimit is #3 on this list and is scored on the same rubric as every other entry.

The weights follow what a business selling across borders checks first. Local method coverage counts the most, at 18 percent, followed by non-resident onboarding at 14 percent. Settlement & FX, regulatory licence and multi-market reach count 12 percent each, and developer experience counts 10 percent. Pricing transparency counts 8 percent; payout capability, local acquiring and support & reliability count 4 percent each, and recurring & card-on-file 2 percent.

Two criteria are stricter than they look. A licence scores only when the regulator’s public register confirms it, so a provider’s own claim earns no points for that criterion. Non-resident onboarding asks whether a merchant without a local entity, local tax ID or local bank account can open an account at all, and on what conditions.

| Criterion | Description | Weight |
|---|---|---|
| Local method coverage | Which of the market’s cards, local card schemes, instalments, wallets, bank transfers and cash methods the provider accepts online. Assessed for a business selling across borders, not for one market. | 18 percent |
| Developer experience | API documentation, hosted checkout, SDKs and plugins available for integration. Assessed for a business selling across borders, not for one market. | 10 percent |
| Pricing transparency | Whether the provider publishes its rates and fees, and how much of its pricing is published. Assessed for a business selling across borders, not for one market. | 8 percent |
| Settlement & FX | How the merchant receives its own funds: settlement timing, local and foreign settlement currencies, multi-currency accounts, FX handling and the accounts it can settle to. Assessed for a business selling across borders, not for one market. | 12 percent |
| Regulatory licence | Licence or authorisation verified in the regulator’s public register, not by the provider’s own claim. Assessed for a business selling across borders, not for one market. | 12 percent |
| Non-resident onboarding | Whether a merchant without a local entity, local tax ID or local bank account can open an account to accept payments in the market, and on what conditions. Assessed for a business selling across borders, not for one market. | 14 percent |
| Multi-market reach | How many named markets the provider accepts payments in, and whether one integration, account or contract covers the market together with other named markets. Assessed for a business selling across borders, not for one market. | 12 percent |
| Payout capability | Whether the provider sends payouts to third parties such as sellers, partners and customers, by API or in bulk, to which methods, including cards and instant local rails, and in which markets and currencies. Assessed for a business selling across borders, not for one market. | 4 percent |
| Local acquiring | Whether the provider acquires card payments in the market itself, under its own licence or principal card-scheme membership, or through partner acquirers. Assessed for a business selling across borders, not for one market. | 4 percent |
| Support & reliability | Published support channels, status information, security certification, and incidents or sanctions. Assessed for a business selling across borders, not for one market. | 4 percent |
| Recurring & card-on-file | Subscription and recurring-payment APIs, stored-card tokens, network tokens, card-data updates and the import of tokens from another provider. Assessed for a business selling across borders, not for one market. | 2 percent |

*Every provider fact was checked against the provider’s own pages or filings in November 2026; market figures show their source and date inline.*The method has limits. Only providers that accept online payments for businesses selling across borders were scored, 6 are ranked, and a provider without verified facts for one strength and one criticism is not ranked. EBANX is the original provider and is not ranked.

Cost figures use published list prices, so a negotiated quote may differ, and a provider that quotes per business shows Not published. Unlimit publishes this list and is ranked in it. The list is not professional advice.

## Where Unlimit fits

A business that sells into several regions at once can connect card processing and local payment methods through one integration with Unlimit’s payment gateway. Unlimit builds global financial infrastructure that lets businesses, consumers and AI agents take part in cross-border commerce. It supports [more than 1,000 payment methods](https://www.unlimit.com/es/payment-methods/) worldwide.

![Unlimit's published reach, as stated on unlimit.com.](https://cdn.unlimit.com/wp-content/uploads/2026/11/05143139/ebanx-alternatives-for-business-image-2.webp)*Unlimit’s published reach, as stated on unlimit.com.*

Businesses across the world can accept payments from local customers through one Unlimit API integration, without a legal entity, office or bank account in the region. If Unlimit does not hold a licence in the region itself, it processes payments through licensed partners and settles in the currency agreed with the merchant.

Unlimit is right for merchants selling across borders that want cards, local methods and payouts through a single connection. Pricing transparency is the criterion that lowers its score: rates are quoted per business, so the cost is known only after a sales conversation. Unlimit is not the best fit for a business that needs a published card rate to compare before it talks to sales.

Start accepting payments globally with one integration

[Talk to sales](https://www.unlimit.com/es/contacts/)

## The best EBANX alternatives in detail

Each of the six alternatives to EBANX, the leader and the publisher included, has one strength and one criticism, plus pricing, methods, markets and requirements.

### 1. Stripe

- Best for: Subscription and digital-goods businesses that want a US company set up online.
- What it is: Stripe is a payments company. Businesses use its Payments product for online checkout and for accepting cards and local methods, while Stripe Atlas is its separate company-formation product for founders.
- Pricing model: Stripe charges a flat rate per successful card transaction, per its [US pricing page](https://stripe.com/us/pricing): 2.9 percent plus USD 0.30 for standard online cards, 1.5 percent more for cards issued abroad and 1 percent for currency conversion, verified November 2026.
- Payment methods: Stripe accepts [cards, prepaid cards, digital wallets and buy now pay later](https://stripe.com/us/pricing); [bank transfers pushed to a virtual account number](https://docs.stripe.com/payments/payment-methods/overview); and [local methods such as Pix, UPI, BLIK, Bancontact, MB WAY, Multibanco vouchers, a cash method and Scalapay instalments in 3 or 4 interest-free parts across Europe](https://stripe.com/pricing/local-payment-methods).
- Markets and currencies: Stripe’s local methods reach buyers in BR, IN, PL, BE, PT and across Europe, and merchants can [accept local cards and wallets available in South Korea without a local entity](https://stripe.com/pricing/local-payment-methods).
- Requirements: A business can [create a Stripe account and start accepting payments with no contracts or banking details required](https://stripe.com/global). A company formed through Atlas can [accept payments with Stripe Treasury before its company tax ID arrives](https://stripe.com/en-cy/atlas).
- Strength: Stripe [directly supports more than 125 payment methods](https://stripe.com/en-cy/payments/payment-methods), plus custom methods a merchant adds, so cards, wallets and local methods run side by side on one account.
- Criticism: For a founder without a company, Stripe’s self-serve formation route is Stripe Atlas, which takes an online application from almost anywhere in the world and [files the formation documents in Delaware](https://stripe.com/en-cy/atlas). That business then ends up running its payments through a US company.
- EBANX vs Stripe: EBANX suits a business that wants vouchers, instant payments and mobile money in emerging markets of Latin America, Asia and Africa; Stripe fits one that needs a published card rate, self-serve sign-up and European local methods.
- Score: number 1 of 6, 8.7 / 10, verified November 2026.

### 2. Airwallex

- Best for: Teams that integrate by API and want predictable currency conversion costs.
- What it is: Airwallex is a payments and business-account provider. Its online payments product collects card and local-method payments into the same account a business uses for FX and settlement.
- Pricing model: Airwallex charges per transaction under its [US fee schedule](https://www.airwallex.com/en-us/terms/fee-schedule): one blended 4.30 percent for international Visa, Mastercard and UnionPay cards, a USD 0.30 gateway fee per attempted or actual transaction and 1.00 percent to convert into the settlement currency. Collections into a global account cost 0.60 percent for KRW, VND, BRL and MYR or USD 15 per US Fedwire collection, and 0 percent for other currencies. FX costs 0.5 percent above interbank rates for major currencies and 1 percent for all others on the [US pricing page](https://www.airwallex.com/en-us/pricing), verified November 2026.
- Payment methods: Airwallex takes Visa, Mastercard and UnionPay cards and local payment methods, each priced per method.
- Markets and currencies: One Airwallex integration lets a merchant [collect online payments in more than 130 currencies](https://www.airwallex.com/en-us/blog/alternative-payment-methods) and switch on local payment methods market by market.
- Requirements: [Airwallex Yield requires an account with Airwallex (Netherlands) B.V.](https://www.airwallex.com/en-eu/online-payments-capability) Airwallex [settlement time depends on the method’s schedule, for example T plus 2 days, and on the account’s reserve plan](https://www.airwallex.com/docs/payments/about-airwallex-payments/how-airwallex-payments-work).
- Strength: One Airwallex checkout integration lets a merchant [accept subscription payments in 180 countries with 160 payment methods](https://www.airwallex.com/en-us/billing/subscription-management), so recurring revenue abroad is handled through a single setup.
- Criticism: For a US-registered business, Airwallex account opening requires [EIN tax documentation, a certificate of formation or incorporation, an attestation of beneficial ownership and supporting business documents](https://www.airwallex.com/en-ca/blog/how-to-open-multi-currency-business-bank-account-us-airwallex-guide-2025), so a company must gather formation and ownership papers before its first payment.
- EBANX vs Airwallex: EBANX suits a business focused on emerging markets that needs local vouchers and mobile money; Airwallex fits one that wants published per-transaction fees and FX next to its business account.
- Score: number 2 of 6, 7.8 / 10, verified November 2026.

### 3. Unlimit

- Publisher’s entry
- Best for: Merchants selling across borders that want payment links and hosted payouts.
- What it is: Unlimit is a payment processor offering [global card acquiring for debit and credit cards in multiple currencies and major card schemes](https://www.unlimit.com/es/payment-processing/) alongside local methods. Its entity UNLIMINT EU LTD is [incorporated in Cyprus as a private limited company, registration number HE 328641, registered to act as an electronic money institution and provide payment services](https://find-and-update.company-information.service.gov.uk/company/FC037147). Unlimit’s payments portfolio spans [Latin America, Africa, Europe and the UK, India and Asia-Pacific](https://www.unlimit.com/es/payment-methods/).
- Pricing model: Pricing is quoted per business.
- Payment methods: Unlimit groups its [payment methods by type](https://www.unlimit.com/es/payment-methods/): global card schemes; local card schemes; digital wallets; cash; direct bank transfers; mobile payments; and crypto payments through e-wallets, QR codes, cash and instant bank transfers.
- Markets and currencies: Unlimit accepts cards and local methods in [more than 200 locations and more than 50 currencies through a single API integration](https://www.unlimit.com/es/payment-processing/). It acquires cards directly in BR and MX and, after gaining [Principal Membership with Mastercard and Visa](https://www.unlimit.com/es/blog/press-release/unlimit-obtiene-licencia-de-adquirencia-para-operar-con-mastercard-y-visa-en-peru-y-amplia-su-presencia-en-america-latina/), in PE. In BR it holds a Payment Institution licence from the Central Bank of Brazil (BCB), granted with BRL 46 million share capital, per its [press release on the Brazilian licence](https://www.unlimit.com/blog/press-release/unlimit-obtains-payment-institution-license-marking-a-new-milestone-in-its-growth-in-the-brazilian-market/).
- Requirements: During onboarding, Unlimit tells each merchant which documents each payment method needs. A [live account for real payments is prepared once sandbox integration tests are finished](https://integration.unlimit.com/). Businesses across the world can accept payments from local customers through one Unlimit API integration, without a legal entity, office or bank account in the region. If Unlimit does not hold a licence in the region itself, it processes payments through licensed partners and settles in the currency agreed with the merchant.
- Strength: Unlimit offers local methods alongside global cards, for example [Pix payments and PicPay in Brazil](https://www.unlimit.com/es/coverage/latam/brazil/), [SPEI, CoDi and OXXO in Mexico](https://www.unlimit.com/es/coverage/latam/mexico/) and [Bancontact among European local card schemes](https://www.unlimit.com/es/coverage/europe-uk/europe-uk/), so buyers in those markets pay the way they usually do.
- Criticism: Unlimit’s rates come through sales, so a company cannot compare Unlimit’s cost with other fee pages before a sales call.
- EBANX vs Unlimit: EBANX suits a business that wants vouchers, instant payments and mobile money in Latin American, Asian and African markets; Unlimit fits one that also needs Europe and the UK and direct card acquiring in BR, MX and PE through the same integration.
- Score: number 3 of 6, 7.7 / 10, verified November 2026.

Start accepting payments globally with one integration

[Talk to sales](https://www.unlimit.com/es/contacts/)

### 4. dLocal

- Best for: Marketplaces and platforms that pay out sellers in emerging markets.
- What it is: dLocal is a cross-border payment processor that [connects global enterprises with consumers in emerging markets across Latin America, Africa and Asia](https://www.dlocal.com/press-releases/aci-worldwide-and-dlocal-bring-latin-americas-leading-local-payment-methods-to-global-merchants/). Its parent, DLocal Limited, is an [exempted company incorporated in the Cayman Islands on 10 February 2021](https://www.sec.gov/Archives/edgar/data/1846832/000095010325011186/dp233831_f3asr.htm). The dLocal group is [licensed and regulated in the EU as an Electronic Money Issuer](https://www.sec.gov/Archives/edgar/data/1846832/000184683226000019/ex_992-dloxfinancialxstate.htm).
- Pricing model: dLocal quotes pricing per business.
- Payment methods: dLocal’s bank transfers include [Capitec Pay, PSE, SINPE, Khipu, VNPay and DoitNow](https://www.dlocal.com/payments/); in Colombia, [Bancolombia and Bre-B](https://www.dlocal.com/payment-processors-in-latin-america/) are offered alongside PSE.
- Markets and currencies: Merchants can use dLocal to [enter more than 60 countries across Africa and the Middle East, Asia and Latin America](https://www.dlocal.com/). Its [documented countries](https://docs.dlocal.com/docs/payment-method) include EG, GH and BH; IN, ID, JP, PH and VN; AR, BR, CL, CO and CR.
- Requirements: A merchant can use dLocal to [operate across more than 60 emerging markets without setting up a local entity](https://www.dlocal.com/our-solution/payouts/).
- Strength: dLocal runs [local payments, compliance and FX through one API and one integration](https://www.dlocal.com/). Companies accept payments, send payouts and settle funds globally under [One dLocal, with one API, one platform and one contract](https://www.dlocal.com/press-releases/aci-worldwide-and-dlocal-bring-latin-americas-leading-local-payment-methods-to-global-merchants/).
- Criticism: dLocal’s support is offered through [API documentation, FAQs, a help centre and customer support](https://www.dlocal.com/contact-sales/), so a business with a live payment issue starts from self-service material and a support request.
- EBANX vs dLocal: EBANX suits a business that wants cash vouchers and instant payments in Latin America; dLocal fits one that adds the Middle East and more of Africa and Asia under one contract.
- Score: number 4 of 6, 7.5 / 10, verified November 2026.

### 5. Adyen

- Best for: Enterprises that need a choice of integration models for their platform.
- What it is: Adyen is a payment processor for enterprises and platforms. Its Adyen for Platforms product offers [two integration models, one for marketplaces and one for platforms](https://docs.adyen.com/adyen-for-platforms-model).
- Pricing model: Adyen uses [Interchange Plus Plus pricing](https://www.adyen.com/pricing), which passes interchange and scheme fees through at transaction level and adds a fixed processing fee plus a fee set by the payment method, for cards 0.6 percent plus USD 0.13. There are no monthly, set-up, integration or closure fees, and a minimum invoice applies by industry or business model, verified November 2026.
- Payment methods: Adyen accepts cards, including [Accel credit and debit cards in the US](https://docs.adyen.com/payment-methods); bank debits such as ACH Direct Debit; and buy now pay later such as Afterpay.
- Markets and currencies: Adyen sets countries and currencies per method, for example USD for Accel in the US and [AUD, CAD and NZD for Afterpay in AU, CA and NZ](https://docs.adyen.com/payment-methods).
- Requirements: An Adyen merchant must [provide on request additional information and documents on its activities, identity and shareholders for KYC](https://www.adyen.com/legal/terms-and-conditions). A [restricted product or service needs additional documentation ahead of onboarding](https://www.adyen.com/legal/list-restricted-prohibited), and a US individual without an SSN uses the [no-SSN option, which requires an uploaded ID document](https://docs.adyen.com/api-explorer/legalentity/latest/post/legalEntities).
- Strength: Each method Adyen documents lists its countries and its processing and settlement currency, for example [ACH Direct Debit for PR and the US in USD](https://docs.adyen.com/payment-methods), so a business sees the settlement currency before switching a method on.
- Criticism: Adyen [waives the FATCA and CRS tax self-certification for a US-based organisation requesting business bank account capabilities](https://docs.adyen.com/api-explorer/legalentity/latest/post/legalEntities), so an organisation based elsewhere files it before it gets those capabilities.
- EBANX vs Adyen: EBANX suits a business that needs local methods in emerging markets without a local entity; Adyen fits an enterprise that wants interchange-level pricing and marketplace or platform models.
- Score: number 5 of 6, 7.4 / 10, verified November 2026.

### 6. PayPal

- Best for: Digital-goods sellers whose buyers pay with local vouchers and wallets.
- What it is: PayPal is a payments company. Its business checkout combines PayPal wallet payments with card processing.
- Pricing model: PayPal charges per transaction on its [US business fees page](https://www.paypal.com/us/business/paypal-business-fees): 2.99 percent plus USD 0.49 for standard credit and debit cards, Apple Pay and other third-party wallets, an additional percentage on international card transactions (1.5 percent in the cost scenario) and 4 percent for currency conversion. [Pay Later instalments](https://www.paypal.com/us/business/accept-payments/installment-payments) cost 4.99 percent plus USD 0.49, with no monthly or setup fees, verified November 2026.
- Payment methods: PayPal takes cards; PayPal and third-party wallets such as Apple Pay; Pay Later instalments; and local wallets such as [AliPay for buyers in CN and GrabPay for buyers in SG in SGD](https://developer.paypal.com/payment-methods), each with its seller country.
- Markets and currencies: PayPal’s local methods add buyer currencies such as BRL, MXN and SGD, each tied to a seller country.
- Requirements: PayPal lets [only US-based merchants accept Venmo payments, and only from US-based consumers](https://developer.paypal.com/payments). The [Trustly bank redirect needs a seller country among AT, DE, DK, EE, ES, FI, GB, LT, LV, NL, NO and SE](https://developer.paypal.com/payment-methods).
- Strength: One PayPal account reaches buyers in [more than 200 markets with more than 130 send currencies](https://www.paypal.com/us/business/fees), so a business can take PayPal payments far beyond its home country.
- Criticism: PayPal ties several local methods to the seller’s country, such as [Boleto Bancário with seller country BR and OXXO with seller country MX](https://developer.paypal.com/payment-methods), so a business registered elsewhere cannot offer them to Brazilian or Mexican buyers through PayPal.
- EBANX vs PayPal: EBANX suits a business that wants Latin American vouchers without a local company; PayPal fits one whose buyers already pay with PayPal and that wants published per-transaction rates.
- Score: number 6 of 6, 7.0 / 10, verified November 2026.

## What EBANX and its alternatives cost at USD 10,000, 100,000 and 1 million a month

The table works out what card checkout would cost a business each month with EBANX and with each ranked alternative at USD 10,000, USD 100,000 and USD 1 million in sales, from published list prices.

This is an estimation scenario, not a quote: a US business sells at an average ticket of USD 100, every card is issued abroad and every sale is charged in USD. The example method is online card checkout because 4 of 7 providers in the table publish a rate for it and it is the online checkout that EBANX and its alternatives share. Real costs depend on the business, the card mix and negotiated terms.

| Provider and product | Rate | International add-on | Fixed fee | If currency conversion is needed | USD 10,000 a month | USD 100,000 a month | USD 1 million a month |
|---|---|---|---|---|---|---|---|
| EBANX | Not published | Not published | Not published | Not published | Not published | Not published | Not published |
| Stripe Payments standard online card pricing | 2.9 percent | 1.5 percent | USD 0.30 | 1 percent | USD 470 | USD 4,700 | USD 47,000 |
| Airwallex | 4.3 percent | Included in the rate | USD 0.30 | 1 percent | USD 460 | USD 4,600 | USD 46,000 |
| Unlimit | Not published | Not published | Not published | Not published | Not published | Not published | Not published |
| dLocal | Not published | Not published | Not published | Not published | Not published | Not published | Not published |
| Adyen | Interchange plus 0.6 percent | Not published | USD 0.13 | Not published | USD 73 plus interchange | USD 730 plus interchange | USD 7,300 plus interchange |
| PayPal, Standard credit and debit card payments | 2.99 percent | 1.5 percent | USD 0.49 | 4 percent | USD 498 | USD 4,980 | USD 49,800 |

*Sources — Stripe:* [*pricing*](https://stripe.com/us/pricing)*; Airwallex:* [*fee schedule*](https://www.airwallex.com/en-us/terms/fee-schedule)*; Adyen:* [*pricing*](https://www.adyen.com/pricing)*; PayPal:* [*business fees*](https://www.paypal.com/us/business/paypal-business-fees)*.*At USD 10,000 a month, Airwallex is the cheapest in this scenario at USD 460 and PayPal is the most expensive at USD 498. Adyen prices on interchange plus a markup, so the figure shown excludes interchange and scheme fees and is not compared. EBANX, Unlimit, dLocal publish no rate for this scenario, so no cost is shown for them.

The fixed fee per sale matters more as the average ticket falls. PayPal adds USD 0.49 a sale, Stripe and Airwallex USD 0.30 and Adyen USD 0.13, so a business with small baskets sees a wider gap between providers than the percentage part of the fee shows.

The scenario uses list prices only, which is why each cost rises in step with volume: Stripe goes from USD 470 at USD 10,000 to USD 47,000 at USD 1 million. These figures do not include a negotiated price at higher volume.

When a sale needs currency conversion, Airwallex and Stripe add 1 percent and PayPal 4 percent on top of the figures shown.

Start accepting payments globally with one integration

[Talk to sales](https://www.unlimit.com/es/contacts/)

## Local acquiring and payment methods by region

An international payment gateway is judged as much by where it can take payments as by what it charges.

The table shows, for each ranked alternative, the regions it serves, the licences or local acquiring behind it, the method groups it covers, from cards to alternative payment methods such as wallets, cash and bank transfers, and how it prices, seen across all markets rather than one country. The country codes are examples of documented local coverage; each provider’s wider footprint is listed in the Markets and currencies field of its card.

| Provider | Regions | Licences or local acquiring | Payment methods | Pricing model |
|---|---|---|---|---|
| Stripe | 51 countries and regions; own acquiring in EEA, GB, BR, AU, HK, MY, NZ, SG | E-money institution in the EEA (Central Bank of Ireland) and the UK (FCA); money transmitter in 53 US jurisdictions; payment institution in Brazil; and 2 more; in the US, Canada, Mexico, the UAE, India, Japan and Thailand it acquires through partners such as Cross River Bank and PNC Bank | Cards; wallets; bank transfers; buy now pay later; cash; more than 125 methods | Flat rate per card plus a fixed fee (US: 2.9 percent plus USD 0.30); add-ons for international cards and currency conversion |
| Airwallex | Payments from more than 180 countries; local processing in over 35 markets | E-money institution in the EEA (Netherlands, Lithuania) and the UK (FCA); money transmitter in 48 US jurisdictions; financial services licence in Australia; and 12 more; US card acquiring under agreements with JP Morgan Chase and Cross River Bank | Visa, Mastercard, American Express and UnionPay cards; local payment methods; 160 methods | Flat rate per card plus a USD 0.30 gateway fee (US: 2.8 percent domestic, 4.3 percent international); FX conversion 1 percent; foreign currency settlement 0.5 percent; local methods USD 0.30 plus a method fee |
| Unlimit | More than 200 locations; local licences in EEA, GB, BR, IN, HK, KE, NG, TZ | E-money institution in the EEA (Central Bank of Cyprus) and the UK (FCA); payment institution in Brazil; cross-border payment aggregator in India; and 4 more, within a network of local licences | Global and local card schemes; wallets; cash; bank transfers; mobile methods | Quoted per business |
| dLocal | More than 60 countries; processing in 40 countries and territories | E-money and payment institution in the EEA (MFSA, Malta); payment institution in the UK (FCA); payment aggregator in Mexico; and 17 more; elsewhere through local licensed partners | Local bank transfers such as Capitec Pay, PSE, SINPE, Khipu, VNPay and DoitNow; one API across markets | Not published |
| Adyen | Payments accepted and settled in more than 130 countries | Bank in the EEA (De Nederlandsche Bank) with a UK branch; federal bank branch in the US (OCC and Federal Reserve); major payment institution in Singapore; and 5 more | Cards including Accel; ACH Direct Debit; buy now pay later such as Afterpay | Interchange plus a markup and a fixed processing fee per payment method (US cards: interchange plus 0.6 percent plus USD 0.13); no monthly, set-up, integration or closure fees; minimum invoice by industry |
| PayPal | Approximately 200 markets | Bank in the EEA (CSSF, Luxembourg); e-money institution in the UK (FCA); money transmitter in 53 US jurisdictions; and 5 more; in some markets through local banks or other partners | PayPal; cards; Apple Pay and other wallets; Pay Later; vouchers such as Boleto Bancário and OXXO; Trustly; AliPay; GrabPay; Satispay | Flat rate plus a fixed fee (US: 2.99 percent plus USD 0.49 for standard cards); extra percentage on international cards; Interchange Plus Plus for Advanced Credit and Debit Card Payments; Pay Later 4.99 percent plus USD 0.49 |

*Sources — Stripe:* [*US pricing page*](https://stripe.com/us/pricing)*,* [*payment methods docs*](https://docs.stripe.com/payments/payment-methods/overview)*,* [*local methods pricing page*](https://stripe.com/pricing/local-payment-methods)*,* [*global availability page*](https://stripe.com/global)*,* [*US licences page*](https://stripe.com/spc/licenses)*,* [*acquirer disclosure page*](https://stripe.com/legal/acquirer-disclosure)*; Airwallex:* [*fee schedule page*](https://www.airwallex.com/en-us/terms/fee-schedule)*,* [*US pricing page*](https://www.airwallex.com/en-us/pricing)*,* [*alternative payment methods guide*](https://www.airwallex.com/en-us/blog/alternative-payment-methods)*,* [*EU payments page*](https://www.airwallex.com/en-eu/payments)*,* [*US state licences page*](https://www.airwallex.com/en-us/state-licenses)*,* [*licences help page*](https://help.airwallex.com/hc/en-gb/articles/900001757106)*; Unlimit:* [*payment methods page*](https://www.unlimit.com/es/payment-methods/)*,* [*payment processing page*](https://www.unlimit.com/es/payment-processing/)*,* [*Peru membership release*](https://www.unlimit.com/es/blog/press-release/unlimit-obtiene-licencia-de-adquirencia-para-operar-con-mastercard-y-visa-en-peru-y-amplia-su-presencia-en-america-latina/)*,* [*Brazil licence release*](https://www.unlimit.com/blog/press-release/unlimit-obtains-payment-institution-license-marking-a-new-milestone-in-its-growth-in-the-brazilian-market/)*,* [*home page*](https://www.unlimit.com/es/)*,* [*EU register entry*](https://paymentinstitutionsregister.eu/institution/cy/unlimit-eu-ltd-former-name-cardpay-ltd-1160)*,* [*Tanzania licence release*](https://www.unlimit.com/blog/press-release/unlimit-secures-payments-licence-in-tanzania-and-further-expands-presence-in-africa/)*; dLocal:* [*payments page*](https://www.dlocal.com/payments/)*,* [*Latin America processing page*](https://www.dlocal.com/payment-processors-in-latin-america/)*,* [*home page*](https://www.dlocal.com/)*,* [*payment methods docs*](https://docs.dlocal.com/docs/payment-method)*,* [*2025 annual report*](https://www.sec.gov/Archives/edgar/data/1846832/000207097926000113/dlo-20251231.htm)*,* [*regulatory disclosure page*](https://www.dlocal.com/legal/regulatory-disclosure/)*; Adyen:* [*pricing page*](https://www.adyen.com/pricing)*,* [*payment methods docs*](https://docs.adyen.com/payment-methods)*,* [*global processing page*](https://www.adyen.com/global-payment-processing)*,* [*US licences page*](https://www.adyen.com/licenses/united-states)*,* [*Singapore licences page*](https://www.adyen.com/licenses/singapore)*; PayPal:* [*business fees page*](https://www.paypal.com/us/business/paypal-business-fees)*,* [*Pay Later page*](https://www.paypal.com/us/business/accept-payments/installment-payments)*,* [*payment methods docs*](https://developer.paypal.com/payment-methods)*,* [*2025 annual report*](https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/pypl-20251231.htm)*,* [*US licences page*](https://www.paypal.com/us/webapps/mpp/licenses)

## Go deeper

### Best for merchants selling across borders

Unlimit (#3, 7.7 / 10, publisher’s entry) is the pick for merchants that sell into several regions from one integration: it reaches [more than 200 locations and over 150 currencies](https://www.unlimit.com/es/) through a network of local licences and payment methods.

For a business that wants one provider to take and settle its payments, also consider Adyen (#5, 7.4 / 10), which can [accept, process and settle payments in more than 130 countries](https://www.adyen.com/global-payment-processing).

### Best for subscription and digital-goods businesses

Stripe (#1, 8.7 / 10) is the pick for subscription and digital-goods businesses that sign up online and start selling quickly: it is [available to businesses in 51 countries and regions](https://stripe.com/global).

If buyers expect to pay with a PayPal account, PayPal (#6, 7.0 / 10) is also worth a look: it counts [439 million active accounts across approximately 200 markets](https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/pypl-20251231.htm).

### Best for marketplaces and platforms

dLocal (#4, 7.5 / 10) is the pick for marketplaces and platforms whose sellers and buyers sit in emerging markets: it lets a business [enter more than 60 countries across Africa and the Middle East, Asia and Latin America](https://www.dlocal.com/).

Also consider Airwallex (#2, 7.8 / 10) if the platform wants local card processing in its main markets: it can [set up payment processing in over 35 markets](https://www.airwallex.com/en-eu/payments) to avoid cross-border fees.

### If you use EBANX to get paid by clients, not for checkout

A business that bills clients by invoice or bank transfer needs collection accounts that match incoming payments, not a checkout page. Two ranked providers handle that alongside card acceptance.

Stripe takes bank transfers in which [the customer pushes money to a virtual bank account number and Stripe reconciles the payment automatically](https://docs.stripe.com/payments/payment-methods/overview). Each client’s transfer is then matched to its invoice without manual work, which suits clients who pay by transfer rather than by card.

Airwallex receives client payments into a global account at the collection fees per currency listed in the Airwallex card, so the cost of being paid depends on the currency the client sends.

Collecting from clients is not one of the scored criteria, so neither provider’s place in the ranking changes because of it.

### EBANX vs Unlimit: how they compare

EBANX collects local payments and sends payouts for businesses selling into emerging markets; the six points below compare its public terms with Unlimit’s.

- Payment methods: EBANX offers [more than 200 payment methods preferred by local audiences in emerging markets](https://www.ebanx.com/en/online-payment-methods/); Unlimit accepts [global and local card schemes, digital wallets, cash, direct bank transfers and mobile methods](https://www.unlimit.com/es/payment-methods/).
- Markets and currencies: EBANX covers [pay-in and payout for both international and domestic settlement](https://www.ebanx.com/en/cross-border-payment-solutions/hybrid/), the wider choice of settlement setup; Unlimit takes [cards and local methods](https://www.unlimit.com/es/payment-processing/) across the locations and currencies given in the Unlimit card.
- Payouts: EBANX pays [users, sellers, suppliers, providers and contractors in local currency, single or mass](https://www.ebanx.com/en/online-payment-methods/); Unlimit sends payouts [across Latin America, Asia-Pacific, Africa, India, the EU and the UK](https://www.unlimit.com/es/payouts/).
- Licences: EBANX works through [business partners in the user’s country, subject to local legislation](https://trustcenter.ebanx.com/en-US/legal); Unlimit holds [a Payment Institution licence from the Central Bank of Brazil](https://www.unlimit.com/blog/press-release/unlimit-obtains-payment-institution-license-marking-a-new-milestone-in-its-growth-in-the-brazilian-market/), as it announced.
- Requirements: EBANX lets [a global merchant enter its emerging markets without setting up a local entity](https://ebanx.com/); during onboarding, Unlimit tells each merchant which documents each payment method needs, and a business needs no legal entity, office or bank account in the region to accept payments from local customers through one Unlimit API integration.
- Pricing model: EBANX pricing is not published; Unlimit pricing is quoted per business.

### How to choose an EBANX alternative

Six questions turn a shortlist into a decision, and each one points to the ranked providers whose facts match it.

![The order in which to settle the choice of an alternative.](https://cdn.unlimit.com/wp-content/uploads/2026/11/05143145/ebanx-alternatives-for-business-image-3.webp)*The order in which to make the choice of an alternative.*

- Check whether you sell into countries where you have no local company: Stripe and dLocal fit that case, as both accept payments there without a local entity.
- Check whether your customers pay across several regions and currencies: Unlimit, dLocal and PayPal each cover many markets from one account.
- Work out whether your average sale is small enough for a fixed fee per sale to cut into margin: Adyen, Stripe and Airwallex have the lower fixed fees in the cost table.
- Decide whether you sell subscriptions or digital goods: Stripe and PayPal are both best for subscription and digital-goods businesses.
- Decide whether you pay out sellers, partners or contractors as well as collect: dLocal fits marketplaces and platforms paying out sellers.
- Decide whether your own developers will integrate by API from the start: Airwallex fits teams integrating by API, and Adyen suits enterprises building at scale.

A provider that accepts payments without a local entity does not remove a merchant’s own local duties. Since 2020, non-resident providers of digital services to Mexican customers must register with the tax authority (SAT) and obtain a local tax ID, appoint a legal representative and file monthly reports disclosing transaction volume, withheld taxes and gross receipts, per an [International Bar Association review of digital payments into LATAM](https://www.ibanet.org/Digital-payment-systems-local-cross-border-transactions-LATAM-tax-regulatory-implications).

Rules also apply to the providers themselves. In Argentina, BCRA Communication ‘A’ 7495 requires all payment service providers operating there to be locally incorporated under national company law, per the same International Bar Association review.

Start accepting payments globally with one integration

[Talk to sales](https://www.unlimit.com/es/contacts/)

## FAQs

**What are the best EBANX alternatives for businesses?**The best EBANX alternatives for businesses are Stripe (#1), Airwallex (#2) and Unlimit (#3), with dLocal, Adyen and PayPal also ranked, each scored out of 10 on eleven weighted criteria. The criteria include local method coverage, non-resident onboarding, settlement and FX, and a licence verifiable in the regulator’s register, so the order reflects what a business selling across borders without a local company needs from a provider.

**How can a business verify the licence of an EBANX alternative?**A business verifies a payment provider’s licence in the public register of the regulator in each country where the provider’s entity operates, not on the provider’s own website. The register entry shows the entity name, the licence category and its status. Where a provider processes payments through licensed local partners, the licence that covers a sale may be held by that partner entity rather than with the provider itself.

**Can a business settle in its own currency instead of the local currency?**Whether a business can settle in its own currency instead of the local currency depends on each provider’s settlement terms, which set the currency and the account the funds reach. [EBANX merchant terms](https://trustcenter.ebanx.com/en-US/legal) require a bank account able to receive an international wire transfer in the chosen currency from Singapore, so the receiving account must accept incoming international wires in that currency.

**Who sets the exchange rate when customers pay in local currency?**The exchange rate applied when customers pay in local currency is set on the provider’s side, which is why fees can look unclear in the merchant’s own currency. Under [EBANX user terms](https://trustcenter.ebanx.com/en-US/legal), a user paying in local currency accepts the exchange rates contracted by EBANX or its business partner, so the conversion cost is included in the rate the customer pays.

## Changelog

- November 2026, first publication: 6 providers screened, 6 ranked.
- November 2026, rubric weights locked before research.
- November 2026, rubric revised: weights for cross-border merchants, and each criterion scored against the best provider in the comparison.

## Explore this category

### Payment gateway guides

- [Best Payment Gateways for E-commerce Businesses in 2026](https://www.unlimit.com/blog/payments/best-payment-gateways-for-e-commerce-businesses-in-2026/)
- [Payment Essentials: What is a Payment Gateway and How It Works](https://www.unlimit.com/es/blog/payments/todo-sobre-pagos-que-es-una-pasarela-de-pago-y-como-funciona/)
- [Acquiring, processing, or a payment gateway?](https://www.unlimit.com/blog/payments/acquiring-processing-or-a-payment-gateway-2/)
- [How to Accept Online Payments for Businesses](https://www.unlimit.com/es/blog/payments/como-aceptar-pagos-en-linea-para-tu-negocio/)

### Payment provider alternatives

- [7 Best dLocal Alternatives for Businesses (2026)](https://www.unlimit.com/es/blog/payments/alternativas-a-dlocal/)
- [6 Best Conekta Alternatives for Businesses (2026)](https://www.unlimit.com/es/blog/payments/alternativas-a-conekta/)

### Payment products

- [payment processing product page](https://www.unlimit.com/es/payment-processing/)
- [payment methods product page](https://www.unlimit.com/es/payment-methods/)