ETPAY (Chile)

This payment solution is only available in Chile

ETPAY acts as an intermediary that facilitates real-time debit transactions directly from the user's bank account. This is especially beneficial because it makes it easy to collect and receive remote payments securely and easily. In this option we provide you with a URL to integrate into your front-end. From there it redirects to an ETPAY interface where end users can select the bank and initiate online payments quickly and securely.

BANKS:

• Banco Estado

• Banco Falabella

• Banco de Chile

• Banco Santander

• Banco Itaú

• Banco BCI

• Banco Scotiabank

1. The expiration time is 30 minutes. If you create a payment link and nobody opens it, after 30 minutes you will receive the webhook notifying that it failed.

ETPAY

POST https://api.stage.localpayment.com/api/payin

Headers

Name	Type	Description
Authorization*	string	Mandatory. JWT token in format Bearer eyJ0... . For more information about authentication, please refer to Authentication

Request Body

Name	Type	Description
paymentMethod*	OBJECT	Manatory. Payment method details
paymentMethod.type*	string	Mandatory. BankTransfer
paymentMethod.code*	string	Mandatory. Select among the codes available in each country for a Payin limits-Sla NOTE: payment method code might affect the collection currency in bimonetary countries. For more info, see the side note on currency field.
paymentMethod.flow*	string	Mandatory. The payment method data could be embeded in the API request (REDIRECT).
externalId*	string	Mandatory. An ID that is meaningful to you and your system. It must be unique and alphanumeric, no characters allowed.
country*	string	Mandatory. Your end user's country (i.e. country in which the payment will be processed), in ISO format. Please refer to Country Codes for a full list of supported countries.
amount*	number	Mandatory. Amount to charge to your end user. For CLP, send without decimals.
currency*	string	Mandatory. The currency in which the amount is expressed.
accountNumber*	string	Mandatory. Your Localpayment account number in which the amount will be credited.
conceptCode*	string	Mandatory. Choose the suitable concept code from our Concept Code List. Based on our experience, the most usual are 0039 (remittances) and 0040 (corporate payments).
merchant*	Object	Mandatory. Party Object.
type*	string	Mandatory. Possible values: INDIVIDUAL, COMPANY
name*	string	Mandatory. Individual first name / company name
lastName*	string	Mandatory only for INDIVIDUAL type / Ignored for COMPANY.
comment*	string	Optional. A comment related to the transaction. It should be something meaningful to your business.
payer*	Object	Mandatory. Party Object. Information related to the payer
exchangeRateToken	string	Optional. Token provided by the Foreign Exchange service in order to use an upfront agreed exchange rate.
type*	string	Mandatory. Possible values: INDIVIDUAL
name*	string	Mandatory. Individual first name / company name
lastName	string	Mandatory for individuals / Ignored for companies.
document*	Object	Mandatory.Party Object. Valid identity document.
document.type*	string	Mandatory. Document types. Check the regonized document type list per country
document.id*	string	Mandatory. Identity document Id. Usually numbers or combination of numbers and letters.bank
bank*	OBJECT	Mandatory. Party Object. Payer account data.
bank.name	string	Bank Name
bank.code*	string	Mandatory. Bank code, according to Localpayment bank codes list.
bank.account*	OBJECT	Mandatory. Party Object. Payer account information.
bank.account.type*	string	Mandatory. Payer account type, according to Localpayment typification
bank.account.number*	string	Mandatory. Payer account number
phone	Object	Optional. Party Object. Contact phone number
email*	string	Mandatory.
phone.countryCode	string	Optional
phone.areaCode	string	Optional
phone.number	string	Optional
address	Object	Optional. Party Object. Contact address
address.street	string	Optional
address.number	string	Optional
address.city	string	Optional
address.state	string	Optional
address.country	string	Optional
address.zipCode	string	Optional
address.comment	string	Optional. Additional info, such as floor or apartment number.

• At the moment of generating the request by Api, the system will answer the url that directs to the ETPAY portal in the field “redirectUrl”.

200: OK

{
    "transactionType": "PayIn",
    "externalId": "{{ExternalId}}",
    "internalId": "{{$Timestamp}}",
    "paymentMethod": {
        "type": "BankTransfer",
        "code": "2528",
        "flow": "REDIRECT"
    },
    "country": "CHL",
    "currency": "CLP",
    "amount": 100.0,
    "accountNumber": "{{AccountNumber}}",
    "confirmed": {
        "currency": "CLP",
        "amount": 1.0,
        "fxQuote": 0.0
    },
    "payment": {
        "currency": "CLP",
        "fxQuote": 0.0,
        "financingFee": 0.0,
        "amount": 1.0
    },
    "localTaxes": [],
    "withHoldings": [],
    "fees": {
        "description": "Fee",
        "currency": "CLP",
        "fxSource": 1,
        "fxQuote": 1.0,
        "amount": 0.0,
        "account": "{{Account}}"
    },
    "status": {
        "code": "100",
        "description": "INPROGRESS",
        "detail": "The payin is pending the confirmation"
    },
    "merchant": {
        "type": "INDIVIDUAL",
        "name": "Local",
        "lastname": "df",
        "document": {
            "type": "{{Type}}",
            "id": "{{documentId}}"
        },
        "email": "[e-mail]"
    },
    "payer": {
        "bank": {
            "name": "Banco Estado",
            "code": "012",
            "account": {
                "type": "c",
                "number": "{{Number}}"
            }
        },
        "type": "INDIVIDUAL",
        "name": "Name",
        "lastname": "Lastname",
        "document": {
            "type": "RUT",
            "id": "{{documentId}}"
        },
        "email": "[e-mail]",
        "phone": {
            "countryCode": "57",
            "areaCode": "57",
            "number": "3196745555"
        },
        "address": {
            "street": "Calle 12",
            "number": "",
            "city": "BA",
            "state": "BA",
            "country": "COL",
            "comment": ""
        }
    },
    "intermediaries": [],
    "wireInstructions": {
        "referenceCode": "FDEG-HVCF-JUWX"
    },
    "date": {
        "creationDate": "2023-12-01T15:44:55.058+00:00",
        "processedDate": "2023-12-01T15:45:01.4368519",
        "expirationDate": "2023-12-08T15:44:55.4677488"
    },
    "redirectUrl": "https://web-checkout.stage.localpayment.com/redirect/aHR0cHM6Ly9wbXQtc2FuZGJveC5ldHBheS5jb20vc2Vzc2lvbi9mT09OZkdvcEVuM1F4RUs4aUZKcWVEdGpadDU5T3ExcjhOamNUM213aFNFbjN0S2sxSzNLcXVtUjk5dTFKTFVS",
    "errors": []
}

400: Bad Request

{
    "externalId": "993cd468-26d5-4121-b865-09208a773ec1",
    "internalId": "29d83935-f0e8-4f9b-85d5-1485f07e3a4e",
    "status": {
        "code": "300",
        "description": "REJECTED",
        "detail": "Invalid param + [payer.document] + must not be null"
    },
    "errors": [
        {
            "code": "300",
            "detail": "Invalid param + [payer.document] + must not be null"
        }
    ]
}

Request

curl --location 'https://api.stage.localpayment.com/api/payin/' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer {your Bearer}'\
--data-raw '{
    "paymentMethod": {
        "type": "BankTransfer",
        "code": "2528",
        "flow": "REDIRECT"
    },
    "externalId": "{{$externalId}}",
    "country": "CHL",
    "currency": "CLP",
    "amount": 100,
    "accountNumber": "{{AccountNumber}}",
    "conceptCode": "0038",
    "comment": "Payer",
    "merchant": {
        "type": "INDIVIDUAL",
        "name": "merchantName",
        "lastname": "merchantLastname,
        "document": {
            "type": "RUT",
            "id": "{{id}}"
        },
        "email": "[e-mail]"
    },
    "payer": {
        "type": "INDIVIDUAL",
        "name": "Tatiana Aguirre",
        "lastname": "Lastname",
        "document": {
            "type": "RUT",
            "id": "{{id}}"
        },
        "phone": {
            "areaCode": "57",
            "countryCode": "57",
            "number": "{Number}"
        },
        "email": "[e-mail]",
        "address": {
            "country": "CHL",
            "number": "",
            "state": "BA",
            "city": "BA",
            "street": "Street",
            "comment": ""
        },
        "bank": {
            "name": "Banco Estado",
            "code": "012",
            "account": {
                "type": "c",
                "number": "{{bankAccountNumber}}"
            }
        }
    }
}

Response OK

{
    "transactionType": "PayIn",
    "externalId": "{{ExternalId}}",
    "internalId": "{{$Timestamp}}",
    "paymentMethod": {
        "type": "BankTransfer",
        "code": "2528",
        "flow": "REDIRECT"
    },
    "country": "CHL",
    "currency": "CLP",
    "amount": 100.0,
    "accountNumber": "{{AccountNumber}}",
    "confirmed": {
        "currency": "CLP",
        "amount": 1.0,
        "fxQuote": 0.0
    },
    "payment": {
        "currency": "CLP",
        "fxQuote": 0.0,
        "financingFee": 0.0,
        "amount": 1.0
    },
    "localTaxes": [],
    "withHoldings": [],
    "fees": {
        "description": "Fee",
        "currency": "CLP",
        "fxSource": 1,
        "fxQuote": 1.0,
        "amount": 0.0,
        "account": "{{Account}}"
    },
    "status": {
        "code": "100",
        "description": "INPROGRESS",
        "detail": "The payin is pending the confirmation"
    },
    "merchant": {
        "type": "INDIVIDUAL",
        "name": "Local",
        "lastname": "df",
        "document": {
            "type": "{{Type}}",
            "id": "{{documentId}}"
        },
        "email": "[e-mail]"
    },
    "payer": {
        "bank": {
            "name": "Banco Estado",
            "code": "012",
            "account": {
                "type": "c",
                "number": "{{Number}}"
            }
        },
        "type": "INDIVIDUAL",
        "name": "Name",
        "lastname": "Lastname",
        "document": {
            "type": "RUT",
            "id": "{{documentId}}"
        },
        "email": "[e-mail]",
        "phone": {
            "countryCode": "57",
            "areaCode": "57",
            "number": "3196745555"
        },
        "address": {
            "street": "Calle 12",
            "number": "",
            "city": "BA",
            "state": "BA",
            "country": "COL",
            "comment": ""
        }
    },
    "intermediaries": [],
    "wireInstructions": {
        "referenceCode": "FDEG-HVCF-JUWX"
    },
    "date": {
        "creationDate": "2023-12-01T15:44:55.058+00:00",
        "processedDate": "2023-12-01T15:45:01.4368519",
        "expirationDate": "2023-12-08T15:44:55.4677488"
    },
    "redirectUrl": "https://web-checkout.stage.localpayment.com/redirect/aHR0cHM6Ly9wbXQtc2FuZGJveC5ldHBheS5jb20vc2lvbi9mT09OZkdvcEVuM1F4RUs4aUZKcWVEdGpadDU5T3ExcjhOamNUM213aFNFbjN0S2sxSzNLcXVtUjk5dTFKTFVS",
    "errors": []
}

Bad Request

{
    "externalId": "993cd468-26d5-4121-b865-09208a773ec1",
    "internalId": "29d83935-f0e8-4f9b-85d5-1485f07e3a4e",
    "status": {
        "code": "300",
        "description": "REJECTED",
        "detail": "Invalid param + [payer.document] + must not be null"
    },
    "errors": [
        {
            "code": "300",
            "detail": "Invalid param + [payer.document] + must not be null"
        }
    ]
}