Sistema Central de PagosNational payment system of a dollarized economy, operated directly by the central bank and divided into explicit components: SPI (interbank payments), SCI (interbank collections), SSP (public sector), OCP (public collection orders), SPL (online payments), TPL, check clearing houses (CCC, CCE), and SOI for international transactions. Ecuador has no documented public retail instant rail: interbank traffic runs through these components.Banco Central del Ecuador
Global registry · Latin America · South America
Ecuador Payment systems
2 systems listed.
This country doesn’t have a written market analysis yet: e-commerce shares, regulator, and key players are still to be documented. The systems below, however, are verified.
Learn about this market. The guides and courses that cover it.
Payments in the Caribbean and Central AmericaPayments in Argentina, Chile, and UruguayPayments in Mexico and the AndesPayments in Peru, Bolivia, and EcuadorPayment success rates and what drives themCross-border acquiring around the worldAccepting payments in Argentina and ChileAccepting payments in Colombia and PeruPayments in Latin America: Pix, cash, and cuotasOpening a new market: the payments playbookCollecting payments for the public sectorCollecting fares on public transit
Clearing and settlement
Wallets
DeUna!Ecuador’s leading wallet: QR payments at merchants, and transfers to other users and to bank accounts with just an account number. In a dollarized economy where cash dominates and the CBDC failed, private initiative is what tipped retail acceptance, and any reading of the Ecuadorian market has to include it.Banco Pichincha (Ecuador’s largest private bank; the app is open to other banks’ customers and built into Pichincha’s mobile banking)more than 314,000 merchants accepting DeUna payments (Banco Pichincha, 2026)