DEBIN (Argentina)

This payment solution is only available in Argentina

DEBIN is a payment method that means Immediate Debit, created by the Central Bank of Argentina, which utilizes a bank transfer payment methodology. This process essentially involves a transaction where funds are deducted from a CBU account in real time at the moment the payment request is generated, meaning the amount is immediately withdrawn from the sender's account.

It is a simple procedure that works as follows: the customer is given the opportunity to generate a payment request with the amount and details of the customer's account. This request is sent directly to the user with a CBU account via a webhook, ensuring that they receive an immediate notification in their banking app. From there, they can review the transaction and make an informed decision to approve or reject it with a single click. That's it—no cards, no cash, no wallet. Everything is done digitally.

The Immediate Debit operates 24/7.
The payment will only be considered complete once the customer accepts it in their banking application, or it will be rejected if the customer declines it. Otherwise, the payment will move to an expired status.
The payment request can only be made to CBU accounts. These account numbers are distinguished by the fact that their first three digits do not begin with zero.
A wire transfer payment order expires by default 2 days from the date of creation.
This payment solution is only available in Argentina

Money request

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

Mandatory. Payment method details

paymentMethod.type*

string

Mandatory.wallet

paymentMethod.code*

string

Mandatory. Select among the codes available in each country here NOTE: yment 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 (DIRECT)or collected via an aditional form or plugin (REDIRECT). Currently, only DIRECT 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. "GTM" Guatemala in ISOCode3 format

amount*

number

Mandatory. Amount to charge to your end user. For GTQ, 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. e.i.: SPID (USD); SPEI (MXN)

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).

comment

string

Optional. A comment related to the transaction. It should be something meaningful to your business.

merchant*

OBJECT

Mandatory. Party Object.

merchant.type*

string

Mandatory. Possible value: COMPANY

merchant.name*

string

Mandatory. Name of business

payer*

OBJECT

Mandatory. Party Object. Information related to the payer.

type*

string

Mandatory. Possible values: COMPANY, 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: CPF / CNPJ

document.id*

string

Mandatory. Identity document Id. Usually numbers or combination of numbers and letters.

userReference

string

Optional. Username or id in your platform.

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

string

Mandatory

phone

OBJECT

Mandatory. Party Object. Contact phone number

phone.countryCode

string

Mandadatory. Possible values: gt

phone.areaCode

string

Mandatory. Country Area Code

phone.number

string

Mandatory. Phone number registered in the application

birthdate

string

Optional. Individual birthdate / company incorporation date. ISO 8601 format (YYYY-MM-DD)

nationality

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.comment

string

Optional. Additional info, such as floor or apartment number.

intermediaries

array

Optional. Array of Party objects. It represents others parties in the payment chain because of the end user is not your direct customer. Take into account the array sequence: your client should be the first element, the client of your client should be the second and so on, until there are no more intermediaries.

commercialData

OBJECT

Mandatory. Party Object. Extra information related to the goods or services traded.

item.id

string

Mandatory. Item ID

items.quantity

number

Mandatory. Item quantity

items.description

string

Mandatory. Item description

item.title

string

Mandatory. Item title

item.unitPrice

number

Mandatory.Unit price

{
      "transactionType": "PayIn",
      "externalId": "{{externalId}}",
      "internalId": "{{internalId}}",
      "paymentMethod": {
        "type": "BankTransfer",
        "code": "1040",
        "flow": "DIRECT"
      },
      "country": "ARG",
      "currency": "ARS",
      "amount": 2355,
      "accountNumber": "{{yourAccountNumber}}",
      "confirmed": {
        "currency": "ARS",
        "fxQuote": 1,
        "amount": 1
      },
      "payment": {
        "currency": "ARS",
        "fxQuote": 1,
        "financingFee": 0,
        "amount": 1
      },
      "localTaxes": [],
      "withHoldings": [],
      "fees": {
        "description": "Fee",
        "currency": "ARS",
        "fxSource": 1,
        "fxQuote": 1,
        "amount": 0,
        "account": "{{yourAccountNumber}}"
      },
      "status": {
        "code": "100",
        "description": "INPROGRESS",
        "detail": "The payin is pending the confirmation"
      },
      "merchant": {
        "type": "INDIVIDUAL",
        "name": "Nama",
        "lastName": "lastname"
      },
      "payer": {
        "type": "INDIVIDUAL",
        "name": "payername",
        "lastName": "payerLastname",
        "document": {
          "type": "CUIL",
          "id": "20045113651"
        },
        "email": "bind@lp.com",
        "bank": {
          "name": "QA TEST",
          "code": "322",
          "account": {
            "type": "S",
            "number": "3220001805117354710015"
          }
        }
      },
      "intermediaries": [],
      "date": {
        "creationDate": "2024-08-16T20:04:04.993",
        "processedDate": "2024-08-16T20:04:10.969",
        "expirationDate": "2024-08-23T20:04:05.553"
      },
      "errors": [],
      "redirectUrl": "https://web-checkout.stage.localpayment.com/redirect/L3ZlcmlmaWNhdGlvbi8wMTM5P2ludGVybmFsSWQ9MGRlNmI5MmQtYjY0Yi00YThhLThjNGEtYjczNDk3ZWRhZDQx"
    }

 
{
    "externalId": "{{externalId}}",
    "internalId": "{{internalId}}",
    "status": {
        "code": "825",
        "description": "REJECTED",
        "detail": "System error to generate payin"
    },
    "errors": [
        {
            "code": "825",
            "detail": "System error to generate payin"
        }
    ]
}

Examples: Money request

To create a payment order through the LP api, examples of the request body are detailed below.

curl --location 'https:{{Api_URL}} \
--header 'Content-Type: application/json' \
--header 'Authorization: {{token}} \
--data-raw '{
      "externalId": "{{externalID}}",
      "paymentMethod": {
        "type": "BankTransfer",
        "code": "1040",
        "flow": "DIRECT"
      },
      "country": "ARG",
      "currency": "ARS",
      "amount": 800,
      "accountNumber": "{{yourAccountNumber}}",
      "conceptCode": "0038",
      "comment": "",
      "merchant": {
        "type": "COMPANY",
        "name": "LTDA"
      },
      "payer": {
        "type": "INDIVIDUAL",
        "name": "Name",
        "lastName": "LastName",
        "document": {
          "type": "CUIL",
          "id": "20963514871"
        },
        "email": "john@email.email",
        "bank": {
          "name": "name",
          "code": "322",
          "account": {
            "type": "C",
            "number": "21-1-99999-4-6"
          }
        }
      },
      "intermediaries": [],
      "transactionType": "PayIn",
      "clientCode": "0028",
      "requireAuth": false,
      "file": false
    }'

Check the Payin Status Codes

Payin

PreviousDirect debit NextWallet Fri (Guatemala)

Last updated 2 months ago