---
updatedAt: 2026-05-04T15:48:48.000Z
agentTools:
  projectIndex: https://docs.dlocal.com/llms.txt
---

# Ecuador

Learn everything you need to know to make payouts in Ecuador with dLocal.

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***

# Market specifications

Do you want to know more information about Ecuador's market? Go to the [Ecuador’s economy and eCommerce market](https://dlocal.com/payment-processors-in-latin-america/ecuador-payment-methods-processors-ecommerce-market-dlocal/) article.

## Country reference

| `country` code | `currency` code | `amount` decimals | `beneficiary.document.type` name | `beneficiary.document.id` format |
| :------------: | :-------------: | :---------------: | :------------------------------: | :------------------------------: |
|      `EC`      |      `USD`      |         2         |                CI                |      Between 5 to 20 digits      |

## Document validations

| Validation | Name | Length  | Type         | Verification digit           | Example                      |
| ---------- | ---- | ------- | ------------ | ---------------------------- | ---------------------------- |
| Document   | CI   | 10      | numeric      | Last digit                   | 1.004.922.993 <br>1004922993 |
| Document   | RUC  | 13      | numeric      | Apply verification algorithm | 1234567892221                |
| Document   | PASS | 7 to 12 | Alphanumeric | N/A                          | 123456789                    |

## Mandatory parameters

### Bank transfers

| Mandatory parameter                | B2C | B2B | P2P |
| :--------------------------------- | :-: | :-: | :-: |
| `external_id`                      | Yes | Yes | Yes |
| `payment_method_id`                | Yes | Yes | Yes |
| `flow_type`                        | Yes | Yes | Yes |
| `purpose`                          | Yes | Yes | Yes |
| `country`                          | Yes | Yes | Yes |
| `currency`                         | Yes | Yes | Yes |
| `amount`                           | Yes | Yes | Yes |
| `beneficiary.document.id`          | Yes | Yes | Yes |
| `beneficiary.document.type`        | Yes | Yes | Yes |
| `beneficiary.first_name`           | Yes |  -  | Yes |
| `beneficiary.last_name`            | Yes |  -  | Yes |
| `beneficiary.business_name`        |  -  | Yes |  -  |
| `beneficiary.bank_account.code`    | Yes | Yes | Yes |
| `beneficiary.bank_account.account` | Yes | Yes | Yes |
| `beneficiary.bank_account.type`    | Yes | Yes | Yes |
| `beneficiary.address.city`         |  -  |  -  | Yes |
| `beneficiary.phone`                |  -  |  -  | Yes |
| `remitter.first_name`              |  -  |  -  | Yes |
| `remitter.last_name`               |  -  |  -  | Yes |
| `remitter.address.country`         |  -  |  -  | Yes |
| `remitter.address.city`            |  -  |  -  | Yes |

***

# Payment methods

Ecuador supports payouts via Bank transfers. This method requires specific parameters and follows validation rules aligned with local compliance and banking standards.

## Bank transfers

Bank transfers in Ecuador require detailed account information, including document ID, document type, bank code, bank account number, account type, and currency. The format of these fields depends on the receiving bank, and strict validation rules apply.

Refer to the [document validations](#document-validations) and [bank codes](#bank-codes) sections for format specifications.

### Mandatory parameters

All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.

[block:parameters]
{
  "data": {
    "h-0": "Mandatory parameter",
    "h-1": "Description",
    "0-0": "`external_id`",
    "0-1": "Payout identification at the merchant's end. Maximum 100 characters.",
    "1-0": "`payment_method_id`",
    "1-1": "Payment method identifier. For bank transfers, use `BANK_TRANSFER`.",
    "2-0": "`flow_type`",
    "2-1": "Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business) or`P2P` (Person to Person).",
    "3-0": "`purpose`",
    "3-1": "Payout purpose code. See [purpose codes reference](https://docs.dlocal.com/docs/purpose-codes-reference-v3).",
    "4-0": "`country`",
    "4-1": "Country code. For Ecuador, use `EC`.",
    "5-0": "`currency`",
    "5-1": "Payout currency. For Ecuador, use `USD`.",
    "6-0": "`amount`",
    "6-1": "Payout amount. Use up to 2 decimal places.",
    "7-0": "`beneficiary.document.id`",
    "7-1": "Document ID of the beneficiary. See [document validations](#document-validations) section.",
    "8-0": "`beneficiary.document.type`",
    "8-1": "Document type: `CI`, `RUC`, `PASS` (Pasaporte), `CE` (Cédula de Extranjero).",
    "9-0": "`beneficiary.first_name`",
    "9-1": "Beneficiary's first name. Maximum 50 characters. ",
    "10-0": "`beneficiary.last_name`",
    "10-1": "Beneficiary's last name. Maximum 50 characters",
    "11-0": "`beneficiary.business_name`",
    "11-1": "Beneficiary's business name. Mandatory only for B2B.",
    "12-0": "`beneficiary.bank_account.code`",
    "12-1": "Beneficiary's bank account code. See [bank codes](#bank-codes) section.",
    "13-0": "`beneficiary.bank_account.account`",
    "13-1": "Beneficiary's bank account number. Maximum 30 numbers.",
    "14-0": "`beneficiary.bank_account.type`",
    "14-1": "Beneficiary's bank account type. Account type:  \n`CHECKING`: Checking accounts  \n`SAVINGS`: Savings accounts",
    "15-0": "`beneficiary.address.city`",
    "15-1": "Beneficiary's address street. 200 characters. Mandatory only for remittance (P2P).",
    "16-0": "`beneficiary.phone`",
    "16-1": "Beneficiary's phone number. Maximum 20 characters. Mandatory only for remittance (P2P).",
    "17-0": "`remitter.first_name`",
    "17-1": "Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).",
    "18-0": "`remitter.last_name`",
    "18-1": "Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).",
    "19-0": "`remitter.address.country`",
    "19-1": "Remitter's country code in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).",
    "20-0": "`remitter.address.city`",
    "20-1": "Remitter's city. Maximum 40 characters. Mandatory only for remittance (P2P)."
  },
  "cols": 2,
  "rows": 21,
  "align": [
    "left",
    "left"
  ]
}
[/block]

### Example request

```json Bank transfers - B2C
{
  "external_id": "BT_B2C_001",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "EC",
  "currency": "USD",
  "amount": 245.40,
  "beneficiary": {
    "first_name": "JUAN",
    "last_name": "PEREZ",
    "document": {
      "id": "123456789",
      "type": "CE"
    },
    "bank_account": {
      "code": "034",
      "account": "1234567891",
      "type": "CHECKING"
    }
  }
}

```
```json Bank transfers - P2P
{
  "external_id": "BT_P2P_001",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "EC",
  "currency": "USD",
  "amount": 245.40,
  "beneficiary": {
    "first_name": "JUAN",
    "last_name": "PEREZ",
    "document": {
      "id": "1784559964",
      "type": "PASS"
    },
    "bank_account": {
      "code": "034",
      "account": "1234567891",
      "type": "SAVINGS"
    },
    "phone": "593912345678",
    "address": {
      "city": "QUITO"
    }
  },
  "remitter": {
    "first_name": "MARIA",
    "last_name": "LOPEZ",
    "address": {
      "country": "US",
      "city": "MIAMI"
    }
  }
}
```

# Bank information

Access the reference formats and accepted values required for processing bank payouts in Ecuador.

<br />

<details>
<summary class="summary_head">

## Bank codes

</summary>

<br />

This list includes the main banks in Ecuador. For a complete list, please contact your dLocal point of contact.

| Bank Name                                                | Bank Code |
| -------------------------------------------------------- | :-------: |
| Banco Amazonas                                           |    034    |
| Banco Asistencia Comunitaria Finca S.A.                  |    323    |
| Banco Bolivariano                                        |    037    |
| Banco Capital S.A.                                       |    061    |
| Banco Citibank                                           |    024    |
| Banco Comercial de Manabi                                |    039    |
| Banco Coopnacional S.A.                                  |    064    |
| Banco D-Miro S.A.                                        |    063    |
| Banco de Guayaquil                                       |    017    |
| Banco de Loja                                            |    029    |
| Banco de Machala                                         |    025    |
| Banco del Austro                                         |    035    |
| Banco del Instituto Ecuatoriano de Seguridad Social      |    461    |
| Banco del Litoral                                        |    043    |
| Banco del Pacífico                                       |    030    |
| Banco del Pichincha                                      |    010    |
| Banco Delbank                                            |    027    |
| Banco Ecuatoriano de la Vivienda                         |    052    |
| Banco Económico                                          |    007    |
| Banco Ecofuturo                                          |    047    |
| Banco FIE                                                |    045    |
| Banco Fortaleza                                          |    049    |
| Banco Ganadero                                           |    009    |
| Banco General Rumiñahui                                  |    042    |
| Banco Internacional                                      |    032    |
| Banco Procredit                                          |    060    |
| Banco Produbanco                                         |    036    |
| Banco Solidario                                          |    059    |
| Banecuador B.P.                                          |    066    |
| Banco Desarrollo de Los Pueblos S.A.                     |    068    |
| COAC Ahorrista Solidario                                 |    181    |
| COAC Sindicato de Choferes Profesionales de Yantza       |    109    |
| Coop. 15 de Abril Ltda                                   |    057    |
| Coop. 15 de Agosto Pilacoto                              |    290    |
| Coop. Accion y Desarrollo                                |    051    |
| Coop. Aho. y Cred. 16 de Junio                           |    660    |
| Coop. Aho. y Cred. 1ro de Enero del Austro               |    284    |
| Coop. Aho. y Cred. 23 de Julio                           |    058    |
| Coop. Aho. y Cred. 23 de Mayo Ltda.                      |    606    |
| Coop. Aho. y Cred. 29 de Octubre                         |    095    |
| Coop. Aho. y Cred. 4 de Octubre Ltda.                    |    294    |
| Coop. Aho. y Cred. 9 de Octubre Ltda                     |    325    |
| Coop. Aho. y Cred. Accion Rural                          |    326    |
| Coop. Aho. y Cred. Accion Tungurahua Ltda.               |    636    |
| Coop. Aho. y Cred. Agraria Mushuk Kawsay Ltda.           |    275    |
| Coop. Aho. y Cred. Agricola Junin Ltda                   |    424    |
| Coop. Aho. y Cred. Alfonso Jaramillo                     |    296    |
| Coop. Aho. y Cred. Alianza del Valle Ltda                |    062    |
| Coop. Aho. y Cred. Alianza Minas Ltda.                   |    278    |
| Coop. Aho. y Cred. Ambato Ltda                           |    414    |
| Coop. Aho. y Cred. Andina Ltda.                          |    642    |
| Coop. Aho. y Cred. Artesanos Ltda                        |    417    |
| Coop. Aho. y Cred. Atuntaqui Ltda.                       |    086    |
| Coop. Aho. y Cred. Cacpe Celica                          |    656    |
| Coop. Aho. y Cred. Cam Com Canton Bolivar                |    426    |
| Coop. Aho. y Cred. Camara Comercio Indigena              |    295    |
| Coop. Aho. y Cred. Cariamanga Ltda                       |    422    |
| Coop. Aho. y Cred. Carroceros de Tungurahua              |    634    |
| Coop. Aho. y Cred. Catamayo Ltda. Mie                    |    657    |
| Coop. Aho. y Cred. Chone Ltda                            |    067    |
| Coop. Aho. y Cred. Coca Ltda                             |    607    |
| Coop. Aho. y Cred. Comercio Ltda Portoviejo              |    088    |
| Coop. Aho. y Cred. Const Comercio y Produccion           |    407    |
| Coop. Aho. y Cred. Cotocollao                            |    065    |
| Coop. Aho. y Cred. Credi Facil Ltda.                     |    628    |
| Coop. Aho. y Cred. Crediamigo Ltda. Loja Mi              |    653    |
| Coop. Aho. y Cred. Cristo Rey                            |    291    |
| Coop. Aho. y Cred. de la Peq. Emp. Cacpe Macara          |    658    |
| Coop. Aho. y Cred. de la Peq. Emp. Cacpe Zamora Ltda.    |    602    |
| Coop. Aho. y Cred. de Los Serv. Publ. del Min. de Ed.    |    605    |
| Coop. Aho. y Cred. Desarrollo Integral Ltda.             |    603    |
| Coop. Aho. y Cred. Dorado Ltda                           |    415    |
| Coop. Aho. y Cred. Ecuafuturo Ltda.                      |    630    |
| Coop. Aho. y Cred. Educ del Tungurahua                   |    413    |
| Coop. Aho. y Cred. Educadores Chimborazo                 |    292    |
| Coop. Aho. y Cred. Educadores de Pastaza Ltda.           |    204    |
| Coop. Aho. y Cred. Educadores Tulcan Ltda.               |    085    |
| Coop. Aho. y Cred. El Calvario Ltda.                     |    627    |
| Coop. Aho. y Cred. El Sagrario                           |    069    |
| Coop. Aho. y Cred. Erco Ltda                             |    410    |
| Coop. Aho. y Cred. Esc.Sup.Politec. Agrop. de Manabi Man |    420    |
| Coop. Aho. y Cred. Escencia Indigena Ltda.               |    641    |
| Coop. Aho. y Cred. Familia Austral                       |    286    |
| Coop. Aho. y Cred. Fernando Daquilema                    |    429    |
| Coop. Aho. y Cred. Fortuna Mies                          |    654    |
| Coop. Aho. y Cred. Fundesarrollo                         |    406    |
| Coop. Aho. y Cred. Futuro y Progreso de Galapagos Lt     |    661    |
| Coop. Aho. y Cred. Gonzanama Mies                        |    650    |
| Coop. Aho. y Cred. Grameen Amazonas                      |    604    |
| Coop. Aho. y Cred. Guamote Ltda.                         |    664    |
| Coop. Aho. y Cred. Guaranda Ltda.                        |    072    |
| Coop. Aho. y Cred. Huaicana Ltda                         |    609    |
| Coop. Aho. y Cred. Huayco Pungo Ltda                     |    419    |
| Coop. Aho. y Cred. Huinara Ltda. Mies                    |    626    |
| Coop. Aho. y Cred. Inka Kipu Ltda.                       |    635    |
| Coop. Aho. y Cred. Integral                              |    409    |
| Coop. Aho. y Cred. Jadan Ltda. Mies                      |    625    |
| Coop. Aho. y Cred. Juan de Salinas Ltda.                 |    270    |
| Coop. Aho. y Cred. Juan Pio de Mora Ltda.                |    638    |
| Coop. Aho. y Cred. La Dolorosa Ltda                      |    073    |
| Coop. Aho. y Cred. La Merced                             |    557    |
| Coop. Aho. y Cred. Llanganates                           |    348    |
| Coop. Aho. y Cred. Lucha Campesina Ltda.                 |    663    |
| Coop. Aho. y Cred. Malchingui Ltda.                      |    273    |
| Coop. Aho. y Cred. Manantial de Oro Ltda.                |    601    |
| Coop. Aho. y Cred. Maquita Cushun Ltda.                  |    631    |
| Coop. Aho. y Cred. Marcabeli Ltda                        |    423    |
| Coop. Aho. y Cred. Mi Tierra                             |    403    |
| Coop. Aho. y Cred. Minga Ltda.                           |    293    |
| Coop. Aho. y Cred. Mujeres Unidas Tantanakushk           |    333    |
| Coop. Aho. y Cred. Mushuc Runa Ltda                      |    412    |
| Coop. Aho. y Cred. Nuestros Abuelos Ltda                 |    416    |
| Coop. Aho. y Cred. Nueva Esperanza                       |    427    |
| Coop. Aho. y Cred. Nueva Huancavilca                     |    408    |
| Coop. Aho. y Cred. Nueva Jerusalen                       |    272    |
| Coop. Aho. y Cred. Nuevos Horizontes El Oro Ltda.        |    659    |
| Coop. Aho. y Cred. Once de Junio                         |    075    |
| Coop. Aho. y Cred. Oscus                                 |    076    |
| Coop. Aho. y Cred. Pablo Munoz Vega                      |    093    |
| Coop. Aho. y Cred. Padre Julian Lorente Ltda             |    077    |
| Coop. Aho. y Cred. Pedro Moncayo Ltda.                   |    279    |
| Coop. Aho. y Cred. Peq Emp Cacpe Yanzatza                |    404    |
| Coop. Aho. y Cred. Peq Empr Cacpe Biblian                |    078    |
| Coop. Aho. y Cred. Peq Empresa Gualaquiza                |    402    |
| Coop. Aho. y Cred. Peq. Emp. de Loja Cacpe               |    350    |
| Coop. Aho. y Cred. Pijal                                 |    640    |
| Coop. Aho. y Cred. Pilahuin                              |    643    |
| Coop. Aho. y Cred. Pilahuin Tio Ltda                     |    608    |
| Coop. Aho. y Cred. Profesionales del Volante Union L     |    655    |
| Coop. Aho. y Cred. Progreso                              |    079    |
| Coop. Aho. y Cred. Provida                               |    281    |
| Coop. Aho. y Cred. Pucara Ltda.                          |    644    |
| Coop. Aho. y Cred. Puellaro Ltda                         |    271    |
| Coop. Aho. y Cred. Puerto Lopez Ltda                     |    425    |
| Coop. Aho. y Cred. Quilanga Ltda.                        |    651    |
| Coop. Aho. y Cred. Riobamba                              |    080    |
| Coop. Aho. y Cred. Salasaca                              |    637    |
| Coop. Aho. y Cred. San Antonio Ltda.                     |    289    |
| Coop. Aho. y Cred. San Francisco                         |    081    |
| Coop. Aho. y Cred. San Francisco de Asis                 |    054    |
| Coop. Aho. y Cred. San Gabriel Ltda.                     |    328    |
| Coop. Aho. y Cred. San Jorge Ltda                        |    428    |
| Coop. Aho. y Cred. San Jose Ltda                         |    082    |
| Coop. Aho. y Cred. San Jose S.J.                         |    283    |
| Coop. Aho. y Cred. San Miguel de Los Bancos              |    330    |
| Coop. Aho. y Cred. San Miguel de Sigchos                 |    646    |
| Coop. Aho. y Cred. Santa Ana Ltda                        |    084    |
| Coop. Aho. y Cred. Santa Anita Ltda                      |    418    |
| Coop. Aho. y Cred. Santa Rosa de Patutan Ltda.           |    334    |
| Coop. Aho. y Cred. Santa Rosa Ltda                       |    096    |
| Coop. Aho. y Cred. Semilla del Progreso Ltda             |    332    |
| Coop. Aho. y Cred. Senor de Giron                        |    285    |
| Coop. Aho. y Cred. Sierra Centro Ltda.                   |    647    |
| Coop. Aho. y Cred. Simiatug Ltda                         |    639    |
| Coop. Aho. y Cred. Sinchi Runa Ltda                      |    645    |
| Coop. Aho. y Cred. Sumac Llacta Ltda.                    |    662    |
| Coop. Aho. y Cred. Tena Ltda.                            |    276    |
| Coop. Aho. y Cred. Tulcan                                |    222    |
| Coop. Aho. y Cred. Tungurahua Ltda.                      |    287    |
| Coop. Aho. y Cred. Union Mercedaria Ltda.                |    648    |
| Coop. Aho. y Cred. Valles del Lirio                      |    632    |
| Coop. Aho. y Cred. Vencedores de Tungurahua              |    629    |
| Coop. Calceta Ltda                                       |    087    |
| Coop. Capeco Ltda                                        |    203    |
| Coop. Esfuerzo Unido Para El Desarr. del Chilco La       |    633    |
| Coop. Jardin Azuayo                                      |    015    |
| Coop. Juventud Ecuatoriana Progresista Ltda.             |    091    |
| Coop. Manuel Esteban Godoy Ortega Ltda Coopmego          |    092    |
| Coop. Peq. Empresa de Pastaza                            |    089    |
| Coop. Policia Nacional                                   |    053    |
| Coop. Prevision Ahorro y Desarrollo                      |    094    |
| COOP DE A. Y C. 22 de Junio-Orianga                      |    119    |
| COOP DE A. Y C. Mushuk Yuyay Ltda                        |    102    |
| COOP DE A. Y C. Nizag Ltda.                              |    103    |
| COOP DE A. Y C. Quilotoa                                 |    118    |
| COOP DE A. Y C. Sembrando Futuro                         |    179    |
| COOP DE A. Y C. Senor Del Arbol                          |    114    |
| COOP DE A. Y C. Unidad Y Progreso                        |    100    |
| COOP.DE Ahorro Y Credito 29 de Enero                     |    108    |
| COOP.DE Ahorro Y Credito Ciudad de Zamora                |    182    |
| Cooperativa de Ahorro y Credito Ambato Ltda.             |    122    |
| Cooperativa de Ahorro y Credito Armada Nacional          |    194    |
| Cooperativa de Ahorro y Credito Campesina Coopac         |    125    |
| Cooperativa de Ahorro y Credito Distrito Metropol        |    196    |
| Cooperativa de Ahorro y Credito General Angel Flor       |    200    |
| Cooperativa de Ahorro y Credito Santa Isabel Ltda        |    176    |
| Cooperativa Divino Nino                                  |    177    |
| Cooperativa Llacta Pura                                  |    178    |
| COPP Aho Cred Credisur                                   |    668    |
| COOP.AHO Y Cred Camara de Comercio Pindal Cadecopi       |    649    |
| COOP Aho Y Cred 20 de Febrero Ltda                       |    674    |
| COOP Aho Y Cred Caseg Ltda                               |    671    |
| COOP Aho Y Cred Finan Indigena                           |    673    |
| COOP Aho Y Cred Focla                                    |    672    |
| COOP Aho Y Cred Gral Ruminahui                           |    670    |
| COOP Aho Y Cred Huaquillas                               |    677    |
| COOP Aho Y Cred Indigena Alfa                            |    675    |
| COOP Aho Y Cred Maquita Cushunchic                       |    669    |
| Financiera - Diners Club del Ecuador                     |    232    |
| Financiera Acceso La Paz                                 |     43    |
| Financiera Financoop                                     |    097    |
| Fondo Financiero de la Comunidad                         |     44    |
| FONDO DE CESANTIA DEL MAGISTERIO ECUATORIANO FCME-       |    667    |
| Interdin S.A.                                            |    349    |
| La Cooperativa de Ah Y Cred Simon Bolivar                |    198    |
| Magisterio Rural                                         |     39    |
| Mutualista Ambato                                        |    098    |
| Mutualista Azuay                                         |    070    |
| Mutualista Imbabura                                      |    099    |
| Mutualista Pichincha                                     |    071    |
| Nacional Financiera Boliviana SAN                        |     42    |
| Pacificard                                               |    005    |

<br />

</details>