> ## Documentation Index
> Fetch the complete documentation index at: https://docs.jelou.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Coverage and pricing

> Supported country, payment methods, and Payphone rates in Ecuador.

Payphone is available in Ecuador through the Brain Studio integration.

In this guide you will find:

* Which country you can operate in
* Which payment methods are available
* How the payment experience works
* Provider rates

***

## Coverage and payment experience

<AccordionGroup>
  <Accordion title="🇪🇨 Ecuador">
    **Currency:** USD\
    **Payphone Wallet:** Available

    ### Available payment methods

    * Credit and debit cards:
      * Visa
      * Mastercard
      * Diners Club
      * Discover
    * Payphone Wallet (app balance)

    <Info>
      Payphone does not support direct bank transfers or real-time bank debit within the checkout.\
      The payer must use a card or their Payphone wallet balance.
    </Info>

    ### Deferred payments (installments)

    Payphone allows deferred payments with credit cards:

    * 3, 6, 9, and 12 months
    * Available for amounts from \$50 USD

    <Info>
      Installments are managed by the card-issuing bank.\
      No configuration is required inside Brain Studio and it depends on the user's card.
    </Info>
  </Accordion>
</AccordionGroup>

<Info>
  The availability of payment methods may vary depending on the merchant's account configuration in Payphone.
</Info>

***

## Rates

Payphone applies a simple commission model with no fixed costs.

### Standard structure

* **Transaction fee:** 5% + VAT
* **Enrollment fee:** \$0
* **Monthly fee:** \$0
* **Bank transfers:** \$0

### Example

For a charge of \$100 USD:

* Fee (5%): \$5.00
* VAT on fee (15%): \$0.75
* **Total deducted:** \$5.75
* **Amount received:** \$94.25

### Important considerations

* If the payment is made with **Payphone balance**, no commission is charged
* The money is credited **immediately** to the merchant's Payphone balance
* The bank transfer may take between **24 and 48 business hours**

<Warning>
  Rates may vary based on volume, industry, or commercial agreements with Payphone.\
  For specific conditions, verify directly in your account or with the provider's sales team.
</Warning>

***

## General considerations

* Payphone operates exclusively in USD
* The payment experience occurs in a WebView inside WhatsApp
* Payment processing and sensitive data handling occur in Payphone's infrastructure

<Tip>
  Before going live, validate the actual rates and conditions in your Payphone account to ensure alignment with your business model.
</Tip>