• Skip to main content
  • Skip to secondary menu
  • Skip to footer

Digital Market

seeing people behind the digits

  • About
  • Events
  • Tech Jobs
  • Domain Names
  • Reports
    • Technology
  • Sponsored Post
    • Make a Contribution
  • Contact

EBANX Pushes Network Tokens to the Forefront of Payments in Latin America

October 3, 2025 By admin Leave a Comment

EBANX has just put out some impressive numbers that highlight how transformative Network Tokens (NTs) can be for digital payments in emerging markets. According to the company’s controlled tests with major global merchants across Latin America, NTs reduced credit card declines tied to fraud and security by up to 86%. In specific scenarios, such as when cards were temporarily blocked, the improvement climbed even higher, reaching 91%. That’s not a minor tweak in efficiency—it’s a serious leap in how payment rails can be secured and streamlined.

The mechanics are simple but powerful. Network Tokens replace the sensitive Primary Account Number (PAN) with a secure, dynamic substitute called a DPAN. This token ensures the actual card number never passes through the system in its raw form. What EBANX did differently was measure results through a rigorous A/B testing model: eligible cards were provisioned with tokens, and then half the transactions ran with NT while the other half ran without. The contrast made the benefits hard to ignore. Beyond the drop in fraud-related declines, EBANX reported approval rate increases of up to 7 percentage points. For subscription-based businesses—where outdated cards are often the Achilles’ heel—the improvements were between 4 and 5 points, thanks to automatic updates that keep payments flowing even if a customer’s card is replaced.

Eduardo de Abreu, VP of Product at EBANX, emphasized that NTs aren’t just about security but about experience: “Network Tokens offer end-to-end encryption and automatic updates for expired or replaced cards. This is particularly valuable for recurring payments, where frictionless is essential.” Anyone who has had their Netflix subscription suddenly drop because their bank mailed a new card knows how important this small but seamless fix can be. On the backend, NTs also help issuers, acquirers, and networks talk to each other more smoothly, accelerating transaction speed while reducing costly declines.

EBANX isn’t working in isolation either. It has coupled its proprietary tokenization with NTs issued by heavyweights like Visa and Mastercard, giving it a strong position in bridging global networks with local markets. Still, as Abreu notes, the road to adoption is not frictionless. Issuers, acquirers, and merchants must invest in system adaptations before NTs can scale to full potential. For now, though, the evidence suggests that NTs are shaping up to be more than a niche technical fix—they could soon become a fundamental pillar of digital payments in Latin America, delivering both better security and smoother customer experiences. That dual promise—protection plus performance—is likely what will drive adoption forward, even if it takes time for the ecosystem to fully catch up.

Filed Under: News

Reader Interactions

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Footer

Recent Posts

  • EBANX Pushes Network Tokens to the Forefront of Payments in Latin America
  • A Different Angle on the Domain Portfolio
  • Katana Raises €14 Million Series B Extension to Redefine ERP for SMBs
  • Visa Unveils Stablecoin Prefunding Pilot to Modernize Cross-Border Payments
  • Clean Reputation Launches Boutique Reputation Management for Permanent Online Content Removal
  • Entro Security Extends Platform to Secure AI Agents
  • NopalCyber Launches Threat Hunting & Advisory Hub for Proactive Cyber Defense
  • Night Strolls and City Lights: Digital Media in Motion
  • Emergent Raises $23 Million to Redefine Who Gets to Build Software
  • Snowflake for Startups Launches at SVAI Hub, Positioning the AI Data Cloud as a Launchpad for Next-Gen AI Companies

Media Partners

The Blurred Line Between Real and Artificial: Why AI Photos Confuse Consumers
Street Photography: The Cycle of Life
Cloudflare’s Content Credentials: A Game Changer for Photographers in the Age of AI
Apple’s iPhone 17 Pro: A Photographer’s Dream Tool
Canon’s RF Mount Fortress: A Wall Against Photographers, Built on Sand
Skills, Not Budgets, Define Photography
Canon R100 and EF 50mm f/1.8 Lens: An Affordable Combo for Street and Travel Photography
Quiz: Spot the Photographer at the Open-Air Conference
The Leica Q3 43: A Masterpiece in Compact Precision
Photo Walk Cheat Sheet: Capturing Life One Step at a Time

Media Partners

Calendarial
Agile Soft Dev
Media Instances
API Coding
Virtual Travel Guide
MKTG Dev
VPNW
Press Media Release
Domain Market Research
Prints

Copyright © 2022 DigitalMarket.org