PSE (Colombia)

This payment solution is only available in Colombia

Standard Flow

PSE (Pagos Seguros en Línea in spanish) is an electronic payment system in Colombia that allows users to conduct financial transactions securely and efficiently over the Internet. It was developed by ACH Colombia.

PSE functions as an intermediary between the user and the bank. When a user wishes to make a transaction, the PSE system redirects them to their bank's website, where they can authorize the transaction. Once authorized, PSE notifies the merchant, and the transaction is completed.

2 Step Flow

The objective of the "Two-Step PSE" process is to redirect the user to a screen to select their financial institution before proceeding to PSE.

To use this flow, the bank code LP-2S-FLOW LP must be used. Upon receiving this bank code, the user will be redirected to a front-end interface to select the financial institution through which the transaction will be conducted. Once the bank code is captured, the payin is confirmed, and the flow is redirected to PSE to complete the transaction.

BANKS

These are the institutions that can send payments through PSE

BANCO DE BOGOTA

BANCO POPULAR

BANCO ITAU

BANCOLOMBIA

CITIBANK

BANCO GNB SUDAMERIS

BANCO BBVA COLOMBIA S.A.

SCOTIABANK COLPATRIA

BANCO DE OCCIDENTE

BANCO CAJA SOCIAL

BANCO AGRARIO

BANCO MUNDO MUJER

BANCO DAVIVIENDA

BANCO AV VILLAS

BANCAMIA S.A.

BANCO PICHINCHA S.A.

BANCOOMEVA S.A.

BANCO FALABELLA

BANCO FINANDINA S.A. BIC

BANCO SANTANDER COLOMBIA

BANCO COOPERATIVO COOPCENTRAL

BANCO SERFINANZA

LULO BANK

J.P. MORGAN COLOMBIA S.A

DALE

CFA COOPERATIVA FINANCIERA

JFK COOPERATIVA FINANCIERA

COTRAFA CONFIAR COOPERATIVA FINANCIERA

BANCO UNION antes GIROS COLTEFINANCIERA

NEQUI

AVIPLATA

BAN100

IRIS

MOVII S.A.

UALÁ

NU

RAPPIPAY

ALIANZA FIDUCIARIA S.A.

CREZCAMOS

BOLD CF

DING

PSE

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
Bank*	Object	Mandatory. Party object.Payer account data.
Bank.Code*	String	Mandatory. Bank code, according to Localpayment bank code list. For 2 Step Flow always LP-2S-FLOW
Payer*	Object	Mandatory. Party Object. Information related to the payer.
Payer.name*	String	Mandatory. Individual frist name/ company name.
Payer.type*	String	Mandatory. Possible values: COMPANY or INDIVIDUAL
Payer.lastname*	String	Mandatory for individuals / Ignored for companies.
document*	Object	Mandatory. Object.Party Object. Validate indentity document.
Document.Type*	String	Mandatory. Document types: NIT,CC,PASS,CE, IT
Document.Id*	String	Mandatory. Identity document Id, Usually numbers or combination of number qand letters
PaymentMethod*	Object	Mandatory. Payment method details
PaymentMethod.type*	String	Mandatory. BankTransfer
Payment.code*	String	Mandatory. Select among the codes available in each country for a payin BankTransfer payment type. NOTE: payment method code might affect the collection currency in bimonetary countries. For more info, see the side note on currency field.
Payment.Flow*	String	Mandatory. The payment Method data is collected through an additional form or plugin (REDIRECT). Currently, only REDIRECT flow is allowed.
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. "COL" Colombia in ISOCode3 format
amount*	number	Mandatory. Amount to charge to your end user. For COP, use 2 decimal places separated by a dot.
currency*	String	Mandatory. The currency in which the amount is expressed. It could be A) the local currency of the selected country or B) the account's currency. If A), the amount will be charged to the customer's cash payment method. If B) and it differs from the local currency, the amount specified will be credited to your account and Localpayment will perform a Foreign Exchange operation to collect the amount expressed in local currency. In bimonetary countries, paymentMethod.code resolves possible ambiguity: the payment will be executed in the currency of that specific payment method network.
accountnumber*	String	Mandatory. Your Localpayment account number in which the amount will be credited.
comment	String	Optional. A comment related to the transaction. It should be something meaningful to your business.
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).
Payer.email	String	Optional
phone*	Object	Mandatory.Party Object. Contact phone number
phone.countrycode*	String	Mandatory
phone.number*	String	Mandatory
address	Object	Optional. Party Object Contact address
address.street	String	Optional
address.number	String	Optional
address.city	String	Optional
adress.state	String	Optional
address.country	String	Optional
address.zipcode	String	Optional
address.comment	String	Optional
merchant*	Object	Mandatory. Party Object
merchant.name	String	Mandatory. Individual first name / company name
merchant.type*	String	Mandatory. Values: COMPANY or INDIVIDUAL
externalId*	String	Mandatory. An Id that is meaningful to you and your system. Must be unique
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).

200: OK

{
    "transactionType": "PayIn",
    "externalId": "1695934794",
    "internalId": "3d0e0a7f-8826-4cdd-9a1a-976afeb2db5a",
    "paymentMethod": {
        "type": "BankTransfer",
        "code": "1936",
        "flow": "REDIRECT"
    },
    "country": "COL",
    "currency": "COP",
    "amount": 500.0,
    "accountNumber": "170.170.00000011",
    "confirmed": {
        "currency": "COP",
        "amount": 500.0,
        "fxQuote": 1.0
    },
    "payment": {
        "currency": "COP",
        "fxQuote": 1.0,
        "financingFee": 0.0,
        "amount": 500.0
    },
    "localTaxes": [],
    "withHoldings": [],
    "fees": {
        "description": "Fee",
        "currency": "COP",
        "fxSource": 4015.0,
        "fxQuote": 1.0,
        "amount": 0.0,
        "account": "170.170.00000011"
    },
    "status": {
        "code": "100",
        "description": "INPROGRESS",
        "detail": "The payin is pending the confirmation"
    },
    "merchant": {
        "type": "COMPANY",
        "name": "LocalPayment"
    },
    "payer": {
        "bank": {
            "code": "1007"
        },
        "type": "COMPANY",
        "name": "HACCL HOLDING",
        "lastname": "",
        "document": {
            "type": "NIT",
            "id": "9012754183"
        },
        "email": "[e-mail]",
        "phone": {
            "countryCode": "co",
            "areaCode": "57",
            "number": "573165279197"
        },
        "address": {
            "street": "CLL 127 C BIS 7B 60 ",
            "city": "BOGOTA DC",
            "state": "BOGOTA DC",
            "country": "COL",
            "comment": "TEST_Doc"
        }
    },
    "intermediaries": [],
    "wireInstructions": {
        "referenceCode": "TB7X-UHSD-5JSL"
    },
    "date": {
        "creationDate": "2023-12-05T21:16:07.692+00:00",
        "processedDate": "2023-12-05T21:16:11.1682535",
        "expirationDate": "2023-12-12T21:16:10.6082303"
    },
    "redirectUrl": "https://web-checkout.stage.localpayment.com/redirect/aHR0cHM6Ly9yZWdpc3Ryby5kZXNhcnJvbGxvLnBzZS5jb20uY28vUFNFTkYvaW5kZXguaHRtbD9lbmM9djF3Z0olMmZHd2phN0pwWDRjQ1dTJTJiallDVWVJRW94U3FqcFlROGtBT0tvN0ElM2Q",
    "errors": []
}

200: OK (2 Step Flow)

{
    "transactionType": "PayIn",
    "externalId": "eefe3ae7-0283-43d2-8310-7245847e1ee2",
    "internalId": "ca294162-953b-499e-a28a-86a5005a4667",
    "paymentMethod": {
        "type": "BankTransfer",
        "code": "1936",
        "flow": "REDIRECT"
    },
    "country": "COL",
    "currency": "COP",
    "amount": 1005.0,
    "accountNumber": "170.170.00000159",
    "confirmed": {
        "currency": "COP",
        "amount": 1005.0,
        "fxQuote": 1.0
    },
    "payment": {
        "currency": "COP",
        "fxQuote": 1.0,
        "financingFee": 0.0,
        "amount": 1005.0
    },
    "localTaxes": [
        {
            "code": "0004",
            "percentage": 19.0,
            "description": "IVA",
            "currency": "COP",
            "fxSource": 4233.5,
            "fxQuote": 0.0,
            "amount": 190.95,
            "account": "170.170.00000159"
        },
        {
            "code": "0003",
            "percentage": 0.4,
            "description": "GMF",
            "currency": "COP",
            "fxSource": 4233.5,
            "fxQuote": 0.0,
            "amount": 4.02,
            "account": "170.170.00000159"
        }
    ],
    "withHoldings": [],
    "fees": {
        "description": "Fee",
        "currency": "COP",
        "fxSource": 4447.03,
        "fxQuote": 1.0,
        "amount": 0.0,
        "account": "170.170.00000159"
    },
    "status": {
        "code": "100",
        "description": "INPROGRESS",
        "detail": "The payin is pending the confirmation"
    },
    "merchant": {
        "type": "COMPANY",
        "name": "LocalPayment"
    },
    "payer": {
        "bank": {
            "code": "LP-2S-FLOW"
        },
        "type": "INDIVIDUAL",
        "name": "Tatiana",
        "lastname": "Aguirre",
        "document": {
            "type": "CC",
            "id": "39452962"
        },
        "email": "[e-mail]",
        "phone": {
            "countryCode": "co",
            "areaCode": "57",
            "number": "573196741308"
        },
        "address": {
            "street": "",
            "city": "",
            "state": "",
            "country": ""
        }
    },
    "intermediaries": [],
    "wireInstructions": {},
    "date": {
        "creationDate": "2024-11-13T13:07:22.227+00:00",
        "processedDate": "2024-11-13T13:07:22.5227525",
        "expirationDate": "2024-11-20T13:07:22.4432235"
    },
    "referenceCode": "1731503242452",
    "redirectUrl": "https://web-checkout.v3.localpayment.com/redirect/aHR0cHM6Ly93ZWItY2hlY2tvdXQudjMubG9jYWxwYXltZW50LmNvbS92ZXJpZmljYXRpb24vMDAyOD9pbnRlcm5hbElkPWNhMjk0MTYyLTk1M2ItNDk5ZS1hMjhhLTg2YTUwMDVhNDY2Nw",
    "errors": []
}

400: Bad Request

{
    "externalId": "1695934793",
    "status": {
        "code": "812",
        "description": "REJECTED",
        "detail": "External Id already used - duplication"
    },
    "errors": [
        {
            "code": "812",
            "detail": "External Id already used - duplication"
        }
    ]
}

Request

{
    "paymentMethod":{
        "type":"BankTransfer",
        "code":"1936",
        "flow":"REDIRECT"
    },
    "externalId":"1727884830",
    "country":"COL",
    "amount":1000,
    "currency":"COP",
    "accountNumber":"170.170.00000011",
    "conceptCode":"0003",
    "comment":"Add any relevant information related to the transaction",
    "merchant":{
        "type":"COMPANY",
        "name":"Company name",
        "lastname":"",
        "document":{
            "type":"NIT",
            "id":"9012754183"
        },
        "userReference":"abc123",
        "email":"[e-mail]",
        "phone":{
            "countryCode":"countryCode",
            "areaCode":"areaCode",
            "number":"number"
        },
        "birthdate":"2000-01-01",
        "nationality":"nationality",
        "address":{
            "street":"Street",
            "number":"938",
            "city":"city",
            "state":"state",
            "country":"country",
            "zipCode":"zipCode",
            "comment":"Add any usefull information"
        }
    },
    "payer":{
        "type":"COMPANY",
        "name":"Payers name",
        "lastname":"Payers last name",
        "document":{
            "id":"9012754183",
            "type":"NIT"
        },
        "email":"[e-mail]",
        "phone":{
            "countryCode":"countryCode",
            "areaCode":"areaCode",
            "number":"number"
        },
        "birthdate":"01/01/1990",
        "nationality":"nationality",
        "address":{
            "street":"Street",
            "number":"1234",
            "city":"city",
            "state":"state",
            "country":"country",
            "zipCode":"zipCode",
            "comment":"Add any relevant information related to the payer"
        },
        "userReference":"abcdef1"
    },
    "bank":{
        "name":"Account holder name",
        "code":"1022"
    },
    "account":{
            "type":"C",
            "number":"130069085"
        },
        "intermediaries":[
            
        ],
        "commercialData":{
            "invoice":"",
            "items":[
                {
                    "id":"",
                    "title":"",
                    "description":"",
                    "pictureUrl":"",
                    "categoryId":"",
                    "quantity":"",
                    "unitPrice":""
                }
            ],
            "shipments":[
                {
                    "street":"",
                    "number":"",
                    "city":"",
                    "state":"",
                    "contry":"",
                    "zipCode":"",
                    "comment":""
                }
            ]
        },
        "device":{
            "deviceId":"",
            "ip":"",
            "browser":""
        },
        "metaData":{
            
        }
}

Response

{
    "transactionType": "PayIn",
    "externalId": "1704385467",
    "internalId": "eee1b933-ff0a-4c7f-9652-297fdc1b3238",
    "paymentMethod": {
        "type": "BankTransfer",
        "code": "1936",
        "flow": "REDIRECT"
    },
    "country": "COL",
    "currency": "COP",
    "amount": 500.0,
    "accountNumber": "170.170.00000011",
    "confirmed": {
        "currency": "COP",
        "amount": 500.0,
        "fxQuote": 1.0
    },
    "payment": {
        "currency": "COP",
        "fxQuote": 1.0,
        "financingFee": 0.0,
        "amount": 500.0
    },
    "localTaxes": [],
    "withHoldings": [],
    "fees": {
        "description": "Fee",
        "currency": "COP",
        "fxSource": 3929.19,
        "fxQuote": 1.0,
        "amount": 0.0,
        "account": "170.170.00000011"
    },
    "status": {
        "code": "100",
        "description": "INPROGRESS",
        "detail": "The payin is pending the confirmation"
    },
    "merchant": {
        "type": "COMPANY",
        "name": "LocalPayment"
    },
    "payer": {
        "bank": {
            "code": "1007"
        },
        "type": "COMPANY",
        "name": "HACCL HOLDING",
        "document": {
            "type": "NIT",
            "id": "9012754183"
        },
        "email": "[e-mail]",
        "phone": {
            "countryCode": "co",
            "areaCode": "57",
            "number": "573165279197"
        },
        "address": {
            "street": "CLL 127 C BIS 7B 60 ",
            "city": "BOGOTA DC",
            "state": "BOGOTA DC",
            "country": "COL",
            "comment": "TEST_Doc"
        }
    },
    "intermediaries": [],
    "wireInstructions": {
        "referenceCode": "A0HX-WJI3-VPHX"
    },
    "date": {
        "creationDate": "2024-01-04T16:24:26.682+00:00",
        "processedDate": "2024-01-04T16:24:29.1154116",
        "expirationDate": "2024-01-11T16:24:28.6343753"
    },
    "redirectUrl": "https://web-checkout.stage.localpayment.com/redirect/aHR0cHM6Ly9yZWdpc3Ryby5kZXNhcnJvbGxvLnBzZS5jb20uY28vUFNFTkYvaW5kZXguaHRtbD9lbmM9UkxoZUdQUEZ3bVZrJTJmVXNYaXhKYktjMG1PekNzcHRzRmF3dW9Tc2IyVDBnJTNk",
    "errors": []
}

Bad Request

{
    "externalId": "1704397819",
    "internalId": "6ab5f4bd-8bef-4b82-8e02-a4e0b6aaddc1",
    "status": {
        "code": "300",
        "description": "REJECTED",
        "detail": "Invalid param + [document.id] + verification failed"
    },
    "errors": [
        {
            "code": "300",
            "detail": "Invalid param + [document.id] + verification failed"
        }
    ]
}