EcuadorLet customers pay by bank transfer, with the Deuna wallet, or in cash at local agent networks. Collect in US dollars and send payouts to 390+ banks, cooperatives and mutualistas, all through one integration.
Bank transfer from the customer's bank
To a cooperative account
390+
Send payouts to accounts at banks, cooperatives and mutualistas across Ecuador, or as cash pickup at Western Union.
Source: PayPaga Ecuador payout institution list, November 2026.
USD
Customers pay in US dollars, and payouts go out in dollars too.
3
Bank transfer, the Deuna wallet and cash at local agents.
1
One connection for every Ecuador method, pay-ins and payouts.
At checkout, customers choose the option that suits them: a bank transfer, the Deuna wallet or cash at a nearby agent. Each one works differently, so each comes with its own short instructions.
Bank transfer
Bank transfer
Your customer opens a secure payment page, chooses their bank and approves the transfer. They enter their name, email and ID number: cédula, driver's licence or passport.
Open the payment page and choose your bank.
Enter your details and approve the transfer with your bank.
Return to the store once it's done.
Digital wallet
Deuna
On a phone, your customer opens the Deuna app straight from checkout. On a computer, they scan a QR code with the app instead.
Tap Open app, or scan the QR code with Deuna.
Check the amount.
Approve the payment in the app.
Cash
Five cash networks
Your customer gets an agreement code and a reference number, then pays in cash and shows their ID.
Go to a Bemovil, Mi Negocio Efectivo, Omniswitch, RapiActivo or Western Union location.
Give the agreement code, reference number and amount.
Show your ID, pay, and keep the receipt.
Customer
bank app, wallet or cash agent
Merchant
your business
PayPaga
one API, every method
Local rails
banks, Deuna and cash networks
At checkout, your customer chooses bank transfer, Deuna or cash, and gets the payment details.
They pay through their bank, in the Deuna app, or in cash at an agent.
PayPaga matches the payment to the order, confirms it to you and includes it in your settlement.
You send one payout request through the same integration.
PayPaga sends the dollars to your recipient's bank, cooperative or mutualista account, or for cash pickup at Western Union.
Send payouts in US dollars by bank transfer to accounts across Ecuador, from national banks to local cooperatives and mutualistas. Recipients without an account can collect cash at Western Union.
Each payout needs
Final status is sent to you by notification.
Explore Ecuador payment methods in the Docs (opens in a new tab)What one integration with PayPaga gives your business in Ecuador.
Let customers pay by bank transfer, with Deuna or in cash at a nearby agent. A familiar payment step gives them one less reason to leave before paying.
Every method uses the same request, so your team builds and maintains one integration, not one for each provider. Connect server-to-server or with PayURL, a hosted payment page.
Ecuador uses the US dollar, so customers pay in the currency they already use, with no conversion at checkout.
Send payouts in dollars to bank, cooperative or mutualista accounts, or as Western Union cash pickup, through the integration you already use to collect.
Choose settlement in fiat or in stablecoins (USDT or USDC).
Tell us about your business and the markets you need. We'll reply within one business day with the right setup for Ecuador.
See it in action opens our demo: watch the payment flow, or try the API in the playground.
