EBANX Solution for Sharing Economy

Have a top‑performing payments partner for sharing economy business models in rising economies

Manage your payments from pay‑ins (receiving payments from customers) to payouts (paying your contractors or gig workers). Cover all your business payment flows and operations with EBANX's superior performance.


Trusted by global sharing economy platforms:

  • uber
  • cambly

A superior performance payments platform to enhance P2P connections within your sharing economy business

+0.2 ppt average uplift in approval rates

based on unique user and/or order level for our global shared economy merchants in an one‑year period.*

‑0.5 ppt of average decrease in chargeback rates

for our global shared economy merchants in an one year period.*

*Data collected between 2021 and 2022. It may vary according to the country.

EBANX is ready to empower shared economy businesses, including: shared transportation, shared space, shared financial, shared food, shared health‑care, shared knowledge & education, shared task service, shared items, and other segments.

Our platform delivers maximum availability and it is equipped with superior features to optimize your contractors (producers, creators, gig‑workers, etc.) and end‑user experiences:

  • 99.99% uptime
  • Retry Logic

  • Smart routing

  • Customer Score

  • Trusted MID

  • Account Card Updates

  • One-click payments
  • UX improvements

  • Clear Dashboard and demand analytic reports

  • Automatic recurring billing and PCI DSS compliant tokenization

  • Complete reconciliation - including payments, chargebacks and refunds information

  • Partnerships with multiple local acquirers in each country where we operate

  • Fast and guaranteed settlement in merchant's currency

The trillion dollar global sharing economy market



USD 1.5 trillion

Expected to reach USD 1.5 trillion in 2024


CAGR of 31.9%

Growing at a CAGR of 31.9% for the forecast period of 2019 to 2024

Source: BCC Research ‑ 2020

The sharing economy (or gig economy) is booming worldwide, including in Latin America and Africa. The Latin American ride‑hailing and food delivery market, for example, is expected to reach USD 10.2 billion by the end of 2022 and increase more than 22% compared to 2021, according to AMI.

There are, however, some challenges to increase sales and attract and retain high performance contractors. Visa conducted a survey with 2326 gig workers from several countries in Latin America, Europe, North America, and Asia, and found that 46% of the respondents would like to get paid faster, while 77% said that there are times when they urgently need money. Also, 9 out of 10 respondents are likely to sign up for instant payments.

Besides the above mentioned context, EBANX is also ready to tackle other challenges faced by sharing economy business models such as:


Receive payments

  • Settling funds outside the origin market
  • Streamlining reconciliation payments
  • Having detailed payment information and traceability
  • Automating payments management (generation, confirmation, chargeback and refunds)
  • Monitoring risky customers/transactions
  • Reducing costs with fixed FX rate (+ tax efficiency)

Make payouts

  • Decreasing operational overhead of mass payout processes
  • Performing and controlling micropayment confirmations
  • Payout contractors fast and consistently
  • Offering contractors' preferred payment methods and pay them in local currencies


Manage recurring payments

  • Automating billing and invoicing
  • ​​Handle all billing‑related support queries
  • Ensure tools and mechanisms to reduce churn
  • Ensure tools and mechanisms for the best approval rates

Receive payments from customers and payout your contractors seamlessly in expanding economies through
built‑to‑fit solutions



Increase your revenue by receiving payments from customers with superior performance. will have access to more than 100 payment methods ‑ including credit & debit cards, digital wallets, instant payments, cash & voucher payments, and bank transfers ‑ in 17 countries (within Latin America and Africa) and 14 different currencies. all within a single platform with a global settlement network and local support.

More about pay-in


Uplift your contractors, producers, gig‑workers, or any suppliers' retention and satisfaction rates by paying them locally in Latin America in a quick and safe way with a 94% average success rate. Relying on traditional payout systems can delay payments due to tax complexity, regulations, currency fluctuation, and other issues. Our Payout solution, however, reduces operational overhead by supporting single and mass payouts, has an streamlined payee onboarding, allows several payment methods ‑ including bank transfers, digital wallets and instant payments ‑, is fully compliant to all local regulations, and confirm payments in under 10 minutes (for alternative payment methods) and up to 2 business days (for bank transfers).

More about payouts


Subscription‑based models are common among sharing economy businesses. If that it is your case, our innovative platform has solutions with superior performance to grow your subscriber base and reduce churn counting with a unified reconciliation in 17 growing economies (in Latin America and Africa), direct connections to all card issuers, tokenization, retry logic, acquirer redundancy, smart routing, automatic card updates, and trusted MID. You can also benefit from EBANX partnership Recurly ‑ the leading subscription management & billing platform for SaaS.

More about Recurrence
use case #1

Boosting conversion rates through a popular digital wallet in Latin America

A global shared transportation merchant was able to uplift its conversion rate by +7ppt with a new product/experience created in collaboration with MercadoPago Connect ‑ a new payment option in Argentina, Uruguay and Chile. The user experience's integration and operation was designed under EBANX's expertise.

use case #2

Growing 600% across 6 Latin American countries within 4 years

After start processing payments with EBANX in 2018 a multinational shared e‑learning platform grew 600%, and it is now present in 6 Latin American countries and accessing +25 local payment method. This growth performance was also supported by EBANX local market expertise, after working together to enhance the experience for both creators and end users.


↪And more

Local and diverse payment methods to let your customers pay and your contractors receive according to their preferences

Expanding economies are highly dependent on alternative payment methods so, through EBANX, you will access more than 100 payments methods for single or recurring transactions, and several options for payouts. This way you will leverage both your customers and contractors satisfaction.


  • Diverse payment methods from credit (installments available) and debit cards to alternative options such as vouchers, instant payment, digital wallets, and popular local bank transfers
  • International, domestic or mixed funds settlement
  • Local currency availability to charge customers
  • Multiple, single or partial refunds, wherever it is necessary, for almost every payment method

See all payment methods


A smart anti‑fraud solution to balance security with performance

Your shared economy business and users needs protection when it comes to payments, especially in expanding economies where fraud risks are higher. Therefore, our payment solutions are protected by Shield, our smart ant-fraud solution counting with:


  • Machine learning for behavior score
  • Chargeback guarantee with low rates
  • Block and trust list to avoid blocking trusted clients
  • Robust validation scheme since payment capture to acquirers and banks validation
  • Manual Review with EBANX's Fraud Specialists to reduce false declines while preventing fraud
  • A/B testing
  • False-positive measuring
  • Device fingerprint
More about Shield

Flexible and convenient integrations

EBANX takes the heavy-lifting of integrations by providing developers support to our merchants so the process can be streamlined. There are different integration options to fit our merchants' business model, capabilities, strategy, and available resources.


  • Direct API - reverse personalized integration to generate fully transparent checkouts
  • Payment Link - manually generated payment links to cut the need for complex integrations
  • Drop-In - complete white-label and customizable checkout with no page redirection
  • Payment Page - practical and safe checkout page managed by EBANX
  • Industry Channels - over 15 EBANX partners to be integrated with, including Recurly, for recurring payments and subscription billing


See all  integrations→


World‑class support to streamline your sharing economy operations

Count on a world-class support and local advisory through a dedicated team of experts with reduced response time - less than 24 hours average handling time (SLA). They are available according to your time-zone and in multiple regions (Latin America, US, Europe and APAC).


  • Regular planning and analytical meetings
  • Merchant operational support
  • Market intelligence
  • Growth and marketing strategies
  • Close performance monitoring
  • Identification of opportunities
  • Roadmap for improvement

Ready to connect more people through payments and scale your shared economy business with EBANX?


Keep learning about the Sharing Economy potential in growing economies


Payments for the sharing economy as a competitive edge

Download the Whitepaper

EBANX Payout solution for freelancers

Download the Whitepaper

A new world for recurrence

Read here