Kunfupay says Peru revenue rose 46% after launching Yape On-File with EBANX

Kunfupay has rolled out Yape On-File in Peru with EBANX, and within four months the tokenized one-click checkout has already pushed a 46% revenue uplift in the market. For PSPs and high-risk merchants, the useful part is not the headline number itself, but the mechanics behind it: a wallet with mass adoption, low card penetration, and a recurring-payment flow that does not force users back through the full checkout every time.

1. The new payment flow is built on Yape, Peru’s leading digital wallet, and uses tokenization to turn the first purchase into a one-click checkout for subsequent payments. EBANX says the model securely stores users’ credentials after the initial transaction, which is exactly the sort of setup subscription-heavy businesses want when they are trying to keep repeat payments from falling apart at the point of friction.
2. Within four months of launch, Yape On-File drove a 46% revenue uplift for Kunfupay in Peru. The solution now accounts for 67% of the platform’s total processed volume (TPV) in the country and delivered a 95% approval rate. For merchants, that combination matters more than the marketing language: higher approval rate, higher share of volume, and a payment method that appears to be doing the heavy lifting.
3. EBANX Product Director Sebastian Fantini said the result comes down to two things: broad Yape adoption and very low international credit card penetration. According to data from Yape and the World Bank, 77% of Peruvian adults use Yape, while only 4% hold an international credit card. EBANX also says nine in ten users of alternative payment methods (APMs) such as Yape do not have a card in the country.
4. The integration is aimed at creators selling courses, memberships, subscriptions, and digital content to audiences in Peru. Kunfupay CEO and Co-Founder Rubén Romero framed the deal as a way to reach markets where creators need recurring transactions to work without constant checkout friction. In practice, that is the whole game for many creator platforms: the product may be digital, but the business lives or dies on whether the payment method behaves like a subscription rail instead of a one-off card attempt.
5. The Peru launch sits inside a broader EBANX-Kunfupay partnership that has been live since February 2025. EBANX is now Kunfupay’s payments partner across eight Latin American markets: Brazil, Mexico, Colombia, Argentina, Chile, Peru, Ecuador, and Bolivia. The company says the same model will be adapted market by market, which is standard operating procedure in high-risk payments: the logo may be the same, but the local payment behavior is never the same.

The timing matters too. Goldman Sachs estimates the creator economy will reach USD 480 billion by 2027, nearly doubling from three years ago. EBANX also points to World Data Lab data in its Beyond Borders 2025 study showing that emerging markets will add more than 1 billion people to the consumer class over the next decade, versus 28 million new consumers in developed countries. For payment providers, that is the real backdrop here: growth is not just about more merchants, but about which local payment methods can actually convert and keep recurring revenue alive.