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GuatemalaGuatemala

Guatemala stands out as a strategic fintech hub in Central America. With a robust banking network and a growing ecosystem of digital financial services, the country offers a wide range of payment methods, from traditional cards and local bank transfers to emerging wallets and cash-based options.

Businesses can accept payments via direct bank transfers, popular cash deposit networks, and digital wallets.

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": "GTM",
  "origin": "api",
  "amount": "80",
  "email": "test@gmail.com"
}

Accepted Identification Document Types​

  • DPI: Personal Identification Document

Pay In​

Guatemala offers a variety of Pay In methods suitable for both local and international users. Businesses can accept payments via credit/debit cards, direct bank transfers, popular cash deposit networks, and digital wallets.

Card Transaction​

Once the order has been successfully created, you can proceed to process the card transaction. This will return a checkout URL where the customer will be redirected to fill in their contact information and card details. These details are required to complete the transaction.

warning

All card transactions are 3DS (3D Secure) enabled. Any card that is not enrolled in 3DS will not be processed.

Type TransactionType PaymentPayment MethodSupported ProvidersLogos
card+credittcVisa, Mastercard Visa Mastercard

Complete transaction - Body (Sample Request)​

{
    "hash": "U2FsdGVkX19LCMkFlp2...",
    "paymentMethod": "tc",
    "typePayment": "credit",
    "typeTransaction": "card+",
    "merchantId": "123sas-46564s-45454-123",
    "urlReturn": "https://google.com"
}

Test Cards​

Use the following test card numbers to simulate different card transaction scenarios in the sandbox environment. These cards work only in test mode and will not trigger real payments.

Card NumberCVVExpiry DateResult
424242424242484612312/29Successful transaction
424242424242434112312/29Declined transaction
403203723672554112312/29Card does not allow 3DS validation

Complete transaction - Sample Response​

{
    "status": {
        "code": 202,
        "message": "success",
        "kind": "unknown"
    },
    "data": {
        "typePayment": "card+",
        "country": "GTM",
        "amount": "100",
        "merchantId": "123sas-xxxxxxx-xxxxxxx-123",
        "urlReturn": "https://google.com",
        "payment": {
            "id": 3451,
            "uuid": "f104696e-xxxx-xxxx-xxxx-a3910af5dd97",
            "merchant": "xxxxxxx@gmail.com",
            "merchantUuid": "eb8da979-xxxx-xxxx-xxxx-719c501cb757",
            "country": "GTM",
            "origin": "api",
            "status": "processing",
            "createdAt": "2025-06-12T14:02:32.000Z",
            "type": "cashin",
            "amount": 100,
            "rate": null,
            "rateAmount": null,
            "total": null,
            "rejectionReason": null,
            "rateProviderAmount": null,
            "sandbox": 1,
            "currency": "",
            "paymentMethod": "tc",
            "typeMethod": "credit"
        }
    },
    "urlCheckout": "https://checkout-transactions-latam.88pay.io/es?..."
}

Bank Transfer​

Type TransactionType PaymentPayment MethodSupported ProvidersLogos
bankinbankbiBanco IndustrialBanco Industrial
bam_trasnferenciabam_trasnferenciasbam_trasnferencias
bancoruralBancoruralBancorural

Complete transaction - Body (Sample Request)​

{
    "hash": "U2FsdGVkX19oU6%....",
    "paymentMethod" : "bam_transferencia",
    "typePayment" : "bank",
    "typeTransaction":"bankin",
    "description" : "Test order",
    "customer": {
        "typeDocument":"DNI",
        "document" : "1234567890",
        "name": "Juan",
        "lastName":"PΓ©rez",
        "phoneNumber":"3133133131"
    },
    "address": {
        "line1": "123 First Street",
        "line2": "",
        "countryCode": "US",
        "stateProvince": "FL",
        "city": "Orlando",
        "postalCode": "32830"
    },
}

Complete transaction - Body (BI method sample Request)​

{
    "hash":"U2FsdGV...",
    "paymentMethod" : "bi",
    "typePayment" : "bank",
    "typeTransaction":"bankin",
    "description" : "test order"
}

Processed Transaction - Response (BI method sample response)​

{
    "status": {
        "code": 202,
        "message": "success",
        "kind": "unknown"
    },
    "data": {
        "Reference": "xxxxxx",
        "bank": "Banco Industrial",
        "cuid": "33-xxxxxxxxx-9",
        "cuenta_corriente_en_pesos": "xxxxxxxxxxxxx",
        "cbu": "xxxxxxxxxxxxxxxxxxxxx",
        "alias": "xxxxxx.xxxxxx.xxxxxx",
        "isRedirect": false,
        "urlWebhook": "www.88pay.io",
        "emailOrder": "email@gmail.com",
        "payment": {
            "id": 1004,
            "uuid": "30d545a5-xxxx-xxxx-xxxx-fde7e8dcf8db",
            "merchant": "test.88pay@gmail.com",
            "merchantUuid": "d6d29ad2-xxxx-xxxx-xxxx-55d518578434",
            "country": "GTM",
            "origin": "api",
            "status": "processing",
            "createdAt": "2025-06-04T06:33:30.000Z",
            "amount": 50,
            "rate": null,
            "rateAmount": null,
            "total": null,
            "rejectionReason": null,
            "rateProviderAmount": null,
            "sandbox": 1,
            "currency": "",
            "paymentMethod": "bi",
            "typeMethod": "bank"
        },
        "checkout": "https://transactions.88pay.io/?m=d6d29ad2-xxxx-xxxx-xxxx-55d518578434&amount=50&type=bank&reference=XXXXXX&method=hipotecario&currency=ARS&u=&cid=jvadu7cASfqMSvbVS2gwnTmhWGEFfZK7Av2CqYViOY=&l=&inst_id=942c005d-xxxx-xxxx-xxxx-991ddf1b4db4"
    }
}

Checkout​

In the body of the response there is a property with the name checkout which will be the URL that will lead to the payment instructions sheet, where it will indicate how to proceed with the payment.

Banco Industrial

The user must continue with the process according to the instructions given in the instruction sheet.

Cash​

Type TransactionType PaymentPayment MethodSupported ProvidersLogos
cashincashakisiAkisiAkisi
bamBam EfectivoBam Efectivo

Complete transaction - Body (Sample Request)​

{
    "hash": "U2FsdGV...",
    "paymentMethod" : "akisi",
    "typePayment" : "cash",
    "typeTransaction":"cashin",
    "description" : "Orden de prueba",
    "merchantId":"11223344"
}

Pay Out​

Our Pay Out capabilities in Guatemala allow you to disburse funds via bank accounts, cash pick-up locations, or wallet transfers. This is ideal for remittances, affiliate payouts, and marketplace settlements.

Cash - Cash out​

Type TransactionType PaymentPayment MethodSupported ProvidersLogos
bankoutbankbanco-industrialBanco IndustrialBanco Industrial
super24Super 24Super 24
cashoutcashakisiAkisiAkisi

Complete transaction - Body (Sample Request)​

{
    "hash": "U2FsdGVkX19oU6%....",
    "paymentMethod" : "akisi",
    "typePayment" : "cash",
    "typeTransaction":"cashout",
    "description" : "Test order",
    "customer": {
        "typeDocument":"DPI",
        "document" : "1234567890",
        "name": "Juan",
        "lastName":"PΓ©rez",
        "phoneNumber":"3133133131"
    },
}

Bank - Bank out​

Type TransactionType PaymentPayment MethodSupported ProvidersLogos
bankoutbankbiBanco IndustrialBanco Industrial
bancoruralBancoruralBancorural

Complete transaction - Body (Sample Request)​

End point: /api/payment/processor

{
    "hash": "U2FsdGVkX1%2FYy%2F0....",
    "paymentMethod" : "bi",
    "typePayment" : "bank",
    "typeTransaction":"bankout",
    "description" : "Orden de prueba",
    "customer": {
        "document": "123456789",
        "name": "pablo",
        "email": "email"
    },
    "additionalInformation": {
        "bankAccountNumber": "123456789101112",
        "bankAccountType": "Ahorros"
    }
}

Processed Transaction - Response (Sample response)​

202 Accepted​

{
    "status": {
        "code": 202,
        "message": "success",
        "kind": "unknown"
    },
    "data": {
        "Reference": "xxxxxx",
        "status": "processing",
        "message": "La operaciΓ³n de retiro estΓ‘ siendo procesada",
        "beneficiary": {
            "document": "123456789",
            "name": "pablo",
            "email": "email"
        },
        "bankAccount": {
            "accountNumber": "123456789101112",
            "accountType": "Ahorros",
            "bank": "bi"
        },
        "transaction": {
            "amount": "1000",
            "isCheckout": true,
            "urlWebhook": "www.88pay.io"
        },
        "payment": {
            "id": 1121,
            "uuid": "e5b237b3-xxxx-xxxx-xxxx-69853f321eb7",
            "merchant": "test.88pay@gmail.com",
            "merchantUuid": "d6d29ad2-xxxx-xxxx-xxxx-55d518578434",
            "country": "GTM",
            "origin": "api",
            "status": "processing",
            "createdAt": "2025-06-27T20:56:13.000Z",
            "amount": 1000,
            "rate": null,
            "rateAmount": null,
            "total": null,
            "rejectionReason": null,
            "rateProviderAmount": null,
            "sandbox": 1,
            "currency": "",
            "paymentMethod": "bi",
            "typeMethod": "bank"
        }
    }
}

Wallet​

Pay In​

Type TransactionType PaymentPayment MethodSupported ProvidersLogos
walletinwalletSoyfriSoyFriLogo Fri
walletinwalletzigiZigiLogo ZIGI

Pay with ZIGI​

ZIGI is a Guatemalan e-wallet that allows users to make payments easily, quickly, and securely using a payment link.

Payment Flow​

  • πŸ”— Click on the link generated by the API.
  • πŸ” Log in to your ZIGI account.
  • βœ… Confirm payment with one click.

Done! Paying with ZIGI is that easy.

Complete transaction - Body (ZIGI Sample Request)​

{
    "hash": "U2FsdGV...",
    "paymentMethod" : "zigi",
    "typePayment" : "wallet",
    "typeTransaction":"walletin",
    "description" : "Account deposit 564153131",
    "merchantId":"564153131",
    "urlWebhook": "https://your.url/notification"
}

Complete transaction - Body (SOYFRI Sample Request)​

{
    "hash": "U2FsdGV...",
    "paymentMethod" : "Soyfri",
    "typePayment" : "wallet",
    "typeTransaction":"walletin",
    "description" : "Account deposit 564153131",
    "merchantId":"564153131",
    "urlWebhook": "https://your.url/notification"
}

Pay Out​

Type TransactionType PaymentPayment MethodSupported ProvidersLogos
walletoutwalletSoyfriSoyFriLogo Fri

Complete transaction - Body (Sample Request)​

{
    "hash": "U2FsdGV...",
    "paymentMethod" : "Soyfri",
    "typePayment" : "wallet",
    "typeTransaction":"walletout",
    "description" : "Account deposit 564153131",
    "customerName": "Jhon Doe",
    "merchantId":"564153131",
    "urlWebhook": "https://your.url/notification"
}

Limits​

πŸ’‘ Note: The values expressed in this "Limits" section are in USD.

Cash​

Payment MethodMinimumMaximumMin. Daily Transactions / Max. Daily Transactions
Cash1 USD / 10 GTQ300 USD / 2.250 GTQNo limit, but transactions over 2000 / month require documentation. Over 5,000 in banks, a currency origin disclaimer is needed.

Wallet​

Payment MethodMinimumMaximumMin. Daily Transactions / Max. Daily Transactions
Zigi / Soy Fri1 USD / 10 GTQ500 USD / 4.000 GTQTo be determined

πŸ’° Fees & Rates​

These are the applicable processing fees (before VAT) for transactions in Guatemala, grouped by payment method.

Payment MethodTypeProvidersFee
πŸ’³ Credit/Debit CardsPay In
Visa MasterCard
7.5% + 0.20 USD
🏦 Bank TransfersPay In
BAM Transfers Super 24 Banco Industrial
4.3% + 0.10 USD
πŸ“² Wallets (APMs)Cash In
Soyfri ZIGI
4%
πŸ’Έ Cash In/OutCash In/OutAkisi4.3% + 0.10 USD

πŸ’‘ Note: All fees are expressed in USD and exclude VAT.

πŸ“œ Terms & Conditions​

ItemDetails
2D / 3DS 2.0Available
High Risk Reserve5% – 180 days
Crypto Exchange Rate2.0% FIAT & CRYPTO
Settlement Cost (Crypto)30 USD
Settlement TimesWeekly

πŸ’‘ Note: Settlement times and costs are subject to network conditions and processing regulations.