Transfiya (Colombia)

This payment solution is only available in Colombia

Transfiya in Colombia allows users to send and receive money instantly using only their mobile phone number as the bank account identifier.

The client generates a payment request, including the amount and the mobile number. This request is directly sent to the user registered with that mobile number via a webhook, ensuring they receive an immediate notification on both their mobile device and banking application. From there, the user can review the transaction with their bank and make an informed decision to approve or reject it with a single click.

PLEASE NOTE THE FOLLOWING:

1. The mobile number is the account number, making it a mandatory field with the following characteristics:

• It consists of 10 digits.

• The first digit must begin with the number 3.

1. The request will remain valid for 24 hours after it is made; after 24 hours, it will expire.

2. List of partner banks:

• Superdigital

• NEQUI

• Movii

• Banco Itaú

• Banco Falabella

• DAVIVIENDA

• Banco Cooperativo

• Coopcentral

• Digital Banco

• Serfinanza

• Bancolombia

• BANCO FINANDINA

• Banco bbva

• Banco Caja Social

• Bancocoopcentral

• Confiar Cooperativa

• Financiera

• BANCO AGRARIO DE COLOMBIA

• Banco De Las Microfinanzas Bancamia SA

• Banco Crezcamos

• CFA Cooperativa Financiera

• Banco Powwi

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: CC, TI
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. Mobile number where the funds will be credited to.
email	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

200: OK

{
    "transactionType": "PayIn",
    "externalId": "{{externalId}}",
    "internalId": "{{internalId}}",
    "paymentMethod": {
        "type": "BankTransfer",
        "code": "1990",
        "flow": "DIRECT"
    },
    "country": "COL",
    "currency": "COP",
    "amount": 1002.0,
    "accountNumber": "{{yourAccountNumber}}",
    "confirmed": {
        "currency": "COP",
        "amount": 100.0,
        "fxQuote": 0.0
    },
    "payment": {
        "currency": "COP",
        "fxQuote": 0.0,
        "financingFee": 0.0,
        "amount": 1002.0
    },
    "localTaxes": [
        {
            "code": "0002",
            "percentage": 0.4,
            "description": "GMF",
            "currency": "COP",
            "fxSource": 0.0,
            "fxQuote": 0.0,
            "amount": 1.01,
            "account": "{{yourAccountNumber}}"
        }
    ],
    "withHoldings": [],
    "fees": {
        "description": "Fee",
        "currency": "COP",
        "fxSource": 4205.0,
        "fxQuote": 1.0,
        "amount": 0.0,
        "account": "{{yourAccountNumber}}"
    },
    "status": {
        "code": "100",
        "description": "INPROGRESS",
        "detail": "The payin is pending the confirmation"
    },
    "merchant": {
        "type": "COMPANY",
        "name": "LocalPayment"
    },
    "payer": {
        "bank": {
            "name": "Name",
            "code": "1507",
            "branch": {},
            "account": {
                "type": "P",
                "number": "[phone]"
            }
        },
        "type": "INDIVIDUAL",
        "name": "Name",
        "lastname": "Lastname",
        "document": {
            "type": "CC",
            "id": "1088338888"
        },
        "email": "[e-mail]",
        "phone": {
            "countryCode": "co",
            "areaCode": "57",
            "number": "573122891111"
        },
        "address": {
            "street": "",
            "city": "",
            "state": "",
            "country": ""
        }
    },
    "intermediaries": [],
    "date": {
        "creationDate": "2025-01-31T19:03:23.376+00:00",
        "processedDate": "2025-01-31T19:03:24.234389",
        "expirationDate": "2025-02-07T19:03:23.8523656"
    },
    "redirectUrl": "",
    "errors": []
}

400: Bad Request

 
{
    "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.

Request Debin

curl --location 'https:{{Api_URL}} \
--header 'Content-Type: application/json' \
--header 'Authorization: {{token}} \
--data-raw '{
      "externalId": "{{externalId}}",
      "paymentMethod": {
        "type": "BankTransfer",
        "code": "1990",
        "flow": "DIRECT"
      },
      "country": "COL",
      "currency": "COP",
      "amount": 1002,
      "accountNumber": "{{YouraccountNumber}}",
      "conceptCode": "0001",
      "comment": "Localpayment Test",
      "merchant": {
        "type": "COMPANY",
        "name": "LocalPayment"
      },
      "payer": {
        "type": "INDIVIDUAL",
        "name": "Name",
        "lastName": "lastname",
        "document": {
          "type": "CC",
          "id": "1088338888"
        },
        "email": "[e-mail]",
        "phone": {
          "countryCode": "co",
          "areaCode": "57",
          "number": "573122891111"
        },
        "address": {
          "street": "",
          "city": "",
          "state": "",
          "country": ""
        },
        "bank": {
          "name": "Daniel",
          "code": "1507",
          "branch": {},
          "account": {
            "type": "P",
            "number": "[phone]"
          }
        }
      },
      "intermediaries": [],
      "commercialData": {
        "items": [
          {
            "id": "929",
            "title": "test 3",
            "description": "test 3",
            "quantity": "1",
            "unitPrice": 1002
          }
        ],
        "shipments": [
          {
            "street": "",
            "city": "",
            "state": "",
            "country": "",
            "comment": ""
          }
        ]
      },
      "transactionType": "PayIn",
      "clientCode": "0001",
      "requireAuth": false,
      "file": false
    }

Check the Payin Status Codes

Payin