# Provenance stamped 2026-10-07 (roadmap#943): written by an API Evangelist sweep (undated — the file carries no date and git cannot supply one), not
# harvested from the provider. `method: generated` so the economics campaign may replace it with a
# dated, verbatim transcription; every figure below is unverified until it does.
method: generated
apiCommons: '0.1'
provider: ebanx
name: EBANX Commercial Plans
description: >-
  EBANX uses a custom, quote-based commercial model negotiated per merchant.
  Pricing typically blends MDR-style percentages by payment method and country
  plus per-transaction fixed fees, with separate fee schedules for pay-in,
  payout, FX, chargebacks, and disputes.
sourceURLs:
  - https://www.ebanx.com/en/contact/#sales
  - https://docs.ebanx.com
  - https://business.ebanx.com/en/products
disclaimer: >-
  EBANX does not publish a public price list. Rates depend on country, payment
  method, volume, settlement currency, and merchant risk profile, and are
  agreed in the merchant contract. The figures below reflect publicly
  discussed orders of magnitude, not contractual rates.

plans:
  - id: custom-merchant
    name: Custom Merchant
    description: >-
      The default commercial plan for direct EBANX merchants. All pricing is
      negotiated as part of the onboarding contract.
    target: Mid-market and enterprise merchants selling into LATAM and other emerging markets.
    currency: USD
    components:
      - id: pay-in-mdr
        type: variable
        description: Merchant Discount Rate per pay-in transaction, varies by country and payment method (cards, Pix, Boleto, OXXO, etc.).
        unit: percent_of_volume
      - id: pay-in-fixed
        type: fixed-per-transaction
        description: Per-transaction fixed fee, varies by local payment method.
      - id: payout-fee
        type: variable
        description: Per-payout fee, varies by destination country, method (bank vs e-wallet), and source currency (local vs USD cross-border).
      - id: fx-spread
        type: variable
        description: FX spread applied to cross-border pay-ins and payouts.
      - id: chargeback-fee
        type: fixed-per-event
        description: Per-chargeback fee in addition to the disputed transaction amount.
      - id: refund-fee
        type: fixed-per-event
        description: Per-refund fee (may be waived depending on the contract).
    onboarding:
      - Submit merchant application via https://www.ebanx.com/en/contact/#sales
      - KYC, KYB, AML, and risk review
      - Commercial contract and pricing schedule
      - Sandbox access and integration certification
      - Production activation

  - id: ebanx-pay-juno
    name: EBANX Pay / Juno (Self-Serve, Brazil)
    description: >-
      Self-serve commercial plan available to small and medium Brazilian
      merchants via the Juno-acquired Pay product. Public sign-up with
      published per-transaction Brazilian rates rather than custom contracts.
    target: Small and medium Brazilian merchants on EBANX Pay / Juno.
    currency: BRL
    components:
      - id: card-mdr
        type: variable
        description: Per-transaction percentage on credit and debit card pay-ins.
        unit: percent_of_volume
      - id: boleto-fee
        type: fixed-per-transaction
        description: Per-Boleto fee (paid Boletos only).
      - id: pix-fee
        type: variable
        description: Per-Pix fee or percentage, depending on volume tier.
    notes:
      - Self-serve sign-up via the Juno / EBANX Pay portal.
x-canonical:
  generated: '2026-10-08'
  vocabulary: all/0-working/economics/plans-canonical.yml
  models: []
  units: []
  plans:
  - name: Custom Merchant
    access: other
    model: unstated
    model_how: derived
    units: []
    periods: []
  - name: EBANX Pay / Juno (Self-Serve, Brazil)
    access: other
    model: unstated
    model_how: derived
    units: []
    periods: []