Colombia

Colombia is one of the main markets supported by our payment services. This country offers a wide variety of methods for making payments (Pay-In) and receiving funds (Pay-Out), making it a strategic choice for online businesses, service platforms and e-commerce.

With our solution, you can leverage local methods such as bank transfers, cash payments and digital wallets to maximize accessibility and convenience for Colombian users.

tip

Please note that the process is always the same, before processing the transaction you must create the order, here is an example of the body for this country.

{
  "country": "COL",
  "origin": "api",
  "amount": "3000",
  "email": "test@gmail.com"
}

Accepted Identification Document Types

• CC: Citizenship Card
• CE: Foreigner's Card
• PS: Passport
• TI: Identity Card
• NIT: Tax Identification Number

Pay In

Payment methods available for receiving funds in Colombia include flexible options that include credit and debit cards, bank transfers and cash payments.

Credit and Debit Card

Type Transaction	Type Payment	Payment Method	Supported Providers	Logos
card+	credit / debit	tc	Visa, Mastercard

Complete transaction - Body (Sample Request)

{
    "hash": "U2FsdGVkX19oU6%....",
    "paymentMethod" : "tc",
    "typePayment" : "credit",
    "typeTransaction":"card+",
    "description" : "Orden de prueba",
    "customer": {
        "typeDocument":"CC",
        "document" : "1234567890",
        "name": "Juan",
        "lastName":"Pérez",
        "phoneNumber":"3133133131"
    },
    "card": {
        "number": "4111111111111111",
        "cvv": "123",
        "month": "12"
        "year": "2025",
    },
    "address": {
            "line1": "123 First Street",
            "countryCode": "CO",
            "stateProvince": "CU",
            "city": "Bogota",
    },
}

---

Bank Transfer

Type Transaction	Type Payment	Payment Method	Supported Providers	Logos
bankin	bank	pse	PSE

Complete transaction - Body (Sample Request)

{
    "hash": "U2FsdGV...",
    "paymentMethod": "PSE",
    "typePayment": "cash",
    "typeTransaction": "cashin",
    "customer": {
        "document": "100000000",
        "name": "Test user",
        "phoneNumber": "3181234567",
        "email": "test@gmail.com"
    },
    "urlReturn": "https://www.youtube.com"
}

---

Wallet

Paypal

This endpoint allows you to initiate a payment process with PayPal through our API.
We will generate a checkout URL where the customer can be redirected to securely complete the payment process.

Complete transaction - Body (Sample Request)

{
  "hash": "U2FsdGV...",
  "paymentMethod": "paypal",
  "typePayment": "wallet",
  "typeTransaction": "walletin",
  "merchantId": "564153131",
  "urlReturn": "https://google.com",
  "urlRejected": "https://youtube.com",
  "urlWebhook": "https://webhook/ok"
}

Aditional Notes

• The merchant must redirect the user to the payer-action URL immediately after receiving the response.
• Do not rely solely on user redirection to confirm the payment; always validate the final payment status using the webhook.

---

Pay Out

Cash - Cash out

Complete transaction - Body (Sample Request)

{
    "hash": "U2FsdGV...",
    "paymentMethod": "BANCOLOMBIA",
    "typePayment": "cash",
    "typeTransaction": "cashout",
    "reference": "reference-test010-out",
    "expirationDate": "2025-05-3",
    "customer": {
        "document": "100000000",
        "name": "Test user",
        "phoneNumber": "573005102545",
        "email": "test@gmail.com"
    },
    "additionalInformation": {
        "bankAccountType": "AHORRO",
        "bankAccountNumber": "4126161645451616"
    }
}

Sample response

202 Accepted

{
    "status": {
        "code": 202,
        "message": "success",
        "kind": "unknown"
    },
    "data": {
        "CODE": "0000",
        "DATA": {
            "amount": 10,
            "currency": "COP",
            "description": "Orden de prueba",
            "document": "112384939",
            "otp": "1102",
            "operation": "e0a1d2e6-xxxx-xxxx-xxxx-775e41450d65",
            "expire": "2024-10-27",
        },
        "DESC": "OK",
        "payment": {
            "id": 140,
            "uuid": "e0ebd9cf-xxxx-xxxx-xxxx-401f5da67049",
            "merchant": "d6d29ad2-xxxx-xxxx-xxxx-55d518578434",
            "country": "COL",
            "origin": "api",
            "status": "processing",
            "createdAt": "2024-07-31T06:59:52.000Z",
            "type": "cash",
            "amount": 10,
            "rate": null,
            "rateAmount": null,
            "total": null,
            "paymentPocketStatus": "PENDING",
            "rateProviderAmount": null,
            "sandbox": 1,
            "paymentMethod": "NA",
            "typeMethod": "cashout"
        }
    }
}

Bank - Bank out

Complete transaction - Body (Sample Request)

{
    "hash": "U2FsdGVkX1%2FYy%2F0....",
    "paymentMethod" : "bancolombia",
    "typePayment" : "bank",
    "typeTransaction":"bankout",
    "description" : "top up",
    "customer": {
        "typeDocument":"CC",
        "document" : "1234567890",
        "name": "Juan",
        "lastName":"Pérez",
        "phoneNumber":"3133133131"
    },
    "address": {
        "line1": "123 First Street",
        "countryCode": "CO",
        "stateProvince": "Province 1",
        "city": "Medellin"
    }
    "additionalInformation":{
        "ctry":"CO",
        "bankAccount":"bancolombia",
        "bankAccountNumber":"12345678912",
        "bankAccountType":"Ahorro"
    }
}

Sample response

202 Accepted

{
    "status": {
        "code": 202,
        "message": "success",
        "kind": "unknown"
    },
    "data": {
        "statusCode": "Done",
        "data": {
            "transaction": {
                "id": "56e6af48-xxxx-xxxx-xxxx-2407443859",
                "orderId": "f85b47d8-xxxx-xxxx-xxxx-07b5",
                "date": "2024-11-06T18:37:33.098Z",
                "state": "Registered",
                "amount": "10"
            },
        },
        "payment": {
            "id": 524,
            "uuid": "f85b47d8-xxxx-xxxx-xxxx-07b5",
            "merchant": "test.88pay@gmail.com",
            "merchantUuid": "eb81c-719c501cb757",
            "country": "COL",
            "origin": "api",
            "createdAt": "2024-11-06T18:36:52.000Z",
            "amount": 10,
            "rate": null,
            "rateAmount": null,
            "total": null,
            "rateProviderAmount": null,
            "sandbox": 1,
            "paymentMethod": "bancolombia",
            "typeMethod": "bank"
        }
    }
}

---

Limits

💡 Note: The values expressed in this "Limits" section are in COP.

PSE

Payment Method	Minimum	Maximum	Min. Daily Transactions / Max. Daily Transactions
PSE	5.000 COP	5.000.000 COP	5 Pending Transactions per user

Bank Transfer

Minimum	Maximum	Min. Daily Transactions / Max. Daily Transactions
5.000 COP	1.500.000 COP	5 Pending Transactions per user

Credit and Debit Card

Minimum	Maximum	Min. Daily Transactions / Max. Daily Transactions
5.000 COP	1.500.000 COP	5 Pending Transactions per user

---

💰 Fees & Rates

The following are the applicable processing fees (before VAT) for transactions in Colombia, grouped by payment method.

Payment Method	Type	Providers	Fee
💳 Credit/Debit Cards	Pay In		2.99% + 0.18 USD
🏦 Bank Transfers	Pay In (PSE)		2.00%
🏦 Bank Transfers	Pay Out		0.5% + 1.50 USD
💵 Cash (Cash In)	Cash In		2.80% + 0.18 USD
📲 Wallets (APMs)	Wallets / Cash In		2.00% + 0.18 USD
💸 Cash Out	Cash Out		3.5% - min 1 USD

💡 Note: All fees are expressed in USD and exclude VAT.