PayPhone in Ecuador: 9% pay-in, 4% pay-out

A provider offers pay-ins and pay-outs through PayPhone Ecuador. PayPhone is an Ecuadorian mobile payment service: the customer pays from an app on their smartphone. The offer for iGaming projects was posted in mid-August 2026.

Traffic FTD and STD are accepted: players making their first deposit and regular customers. The method can be connected as the main one for an Ecuadorian audience.

Fees - pay-in: 9%; - pay-out: 4%.

Settlement - timing: the day after the transaction (T+1); - deduction: 2.5%; - rate: as of the settlement day.

Using the settlement-day rate means the amount the merchant receives is fixed at the moment of transfer, not when the player paid. Keep this in mind during reconciliation.

Channel economics The full cost of acceptance is 9% on pay-in plus 2.5% at settlement, about 11.5% of turnover in total. The 4% payout rate is noticeable in betting, where withdrawals are frequent. Projects with a high share of payouts should calculate the margin with both rates in advance.

Who it suits The offer fits projects already serving players from Ecuador or entering the market and looking for a local mobile method. Amount limits and integration type are not stated, so discuss them when connecting. Next-day settlement helps maintain liquidity for payouts without large reserves.