Peru

Bank Transfer Reference Payment

Bank Transfer Reference Payment allows the user to pay directly from their digital banking with a custom code to identify properly each operation. In order to get the reference number (ticket.barcode) our API will return to the final user and should follow these steps:

Go to your Bank website or API
Log into your digital banking
Go to the "Payment Service" menu
Enter the reference number and pay

The payment is processed and notified same day

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

Headers

Name Type Description

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

Authorization*

string

Mandatory. JWT token in format Bearer eyJ0... . For more information about authentication, please refer to Authentication

Request Body

Name Type Description

Name	Type	Description
paymentMethod*	OBJECT	Mandatory. Payment method details
paymentMethod.type*	string	Mandatory. `BankTransfer`
paymentMethod.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.
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. "PER": Mexico in ISOCode3 format
amount*	number	Mandatory. Amount to charge to your end user.
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.: USD; PEN
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.
exchangeRateToken	string	Optional. Token provided by the Foreign Exchange service in order to use an upfront agreed exchange rate.
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	Optional.Party Object. Valid identity document.
document.type	string	Optional. Document types: DNI, CE, RUC or PASS
document.id	string	Optional. Identity document Id. Usually numbers or combination of numbers and letters.
userReference	string	Optional. Username or id in your platform.
email	string	Optional.
phone	OBJECT	Optional. Party Object. Contact phone number
phone.countryCode	string	Optional.
phone.areaCode	string	Optional
phone.number	string	Optional
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.zipCode	string	Optional. Zip code / Postal code
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.
device	OBJECT	Optional.
device.id	string	Optional. Android / iPhone device ID. Can be blank for other device types such as PC / Mac.
device.ip	string	Optional. Device IP address
device.browser	string	Optional. Browser
metaData	OBJECT	Optional. Unstructured object to record any metadata meaningful to you.
commercialData	OBJECT	Optional. Party Object. Extra information related to the goods or services traded.
lastName	string	Mandatory only for `INDIVIDUAL type` / Ignored for `COMPANY.`
name*	string	Mandatory. Individual first name / company name
merchant*	OBJECT	Mandatory. Party Object.
document.type*	string	Optional. Document type (related to the merchant's residence)
phone.countryCode	string	Optional.
phone	OBJECT	Optional. Party Object. Contact phone number
email	string	Optional.
userReference	string	Optional. Username or id in your platform.
document.id*	string	Optional. Identity document id. Usually numbers or combination of numbers and letters.
document*	OBJECT	Optional. Party Object.
address	OBJECT	Optional. Party Object. Contact address
nationality	string	Optional.
birthdate	string	Optional. Individual birthdate / company incorporation date. ISO 8601 format (YYYY-MM-DD).
phone.number	string	Optional.
phone.areaCode	string	Optional.
address.comment	string	Optional. Additional info, such as floor or apartment number.
address.city	string	Optional.
address.number	string	Optional.
address.street	string	Optional.
address.zipCode	string	Optional. Zip code / Postal code
address.country	string	Optional.
address.state	string	Optional.
bank	OBJECT	Optional. Party Object. Payer account data.
bank.name	string	Optional. Account holder full name.
bank.branch.code	string	Optional. . Brach code.
bank.branch	OBJECT	Mandatory only if Bank Object was added. Branch information. Party Object.
bank.code	string	Optional. . Bank code, according to Localpayment bank codes list.
bank.account	OBJECT	Optional. Party Object. Payer account information.
bank.branch.name	string	Optional. . Branch name.
bank.account.type	string	Optional. Payer account type, according to Localpayment bank account validations.
bank.account.number	string	Optional. Payer account number
item.id	string	Optional. Item ID
invoice	string	Optional. Invoice reference
item	array	Optional. List of sold items
items.quantity	number	Optional. Item quantity
items.categoryId	string	Optional. Item category
items.pictureUrl	string	Optional. URL pointing to an item picture
items.description	string	Optional. Item description
item.title	string	Optional. Item title
items.unitPrice	number	Optional. Unit price
shipments.city	string	Optional. City
shipments.number	String	Optional. Number address
shipments.street	string	Optional. Street address
shipments	array	Optional. List of shipping addresses
shipments.country	string	Optional. State/Province
shipments.state	string	Optional. State/ProvinceShipping country
shipments.comment	string	Optional. Additional info
shipments.zipCode	string	Optional. Zip code

paymentMethod*

OBJECT

Mandatory. Payment method details

paymentMethod.type*

string

Mandatory. BankTransfer

paymentMethod.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.

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. "PER": Mexico in ISOCode3 format

amount*

number

Mandatory. Amount to charge to your end user.

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.: USD; PEN

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.

exchangeRateToken

string

Optional. Token provided by the Foreign Exchange service in order to use an upfront agreed exchange rate.

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

Optional.Party Object. Valid identity document.

document.type

string

Optional. Document types: DNI, CE, RUC or PASS

document.id

string

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

userReference

string

Optional. Username or id in your platform.

string

Optional.

phone

OBJECT

Optional. Party Object. Contact phone number

phone.countryCode

string

Optional.

phone.areaCode

string

Optional

phone.number

string

Optional

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.zipCode

string

Optional. Zip code / Postal code

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.

device

OBJECT

Optional.

device.id

string

Optional. Android / iPhone device ID. Can be blank for other device types such as PC / Mac.

device.ip

string

Optional. Device IP address

device.browser

string

Optional. Browser

metaData

OBJECT

Optional. Unstructured object to record any metadata meaningful to you.

commercialData

OBJECT

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

lastName

string

Mandatory only for INDIVIDUAL type / Ignored for COMPANY.

name*

string

Mandatory. Individual first name / company name

merchant*

OBJECT

Mandatory. Party Object.

document.type*

string

Optional. Document type (related to the merchant's residence)

phone.countryCode

string

Optional.

phone

OBJECT

Optional. Party Object. Contact phone number

string

Optional.

userReference

string

Optional. Username or id in your platform.

document.id*

string

Optional. Identity document id. Usually numbers or combination of numbers and letters.

document*

OBJECT

Optional. Party Object.

address

OBJECT

Optional. Party Object. Contact address

nationality

string

Optional.

birthdate

string

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

phone.number

string

Optional.

phone.areaCode

string

Optional.

address.comment

string

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

address.city

string

Optional.

address.number

string

Optional.

address.street

string

Optional.

address.zipCode

string

Optional. Zip code / Postal code

address.country

string

Optional.

address.state

string

Optional.

bank

OBJECT

Optional. Party Object. Payer account data.

bank.name

string

Optional. Account holder full name.

bank.branch.code

string

Optional. . Brach code.

bank.branch

OBJECT

Mandatory only if Bank Object was added. Branch information. Party Object.

bank.code

string

Optional. . Bank code, according to Localpayment bank codes list.

bank.account

OBJECT

Optional. Party Object. Payer account information.

bank.branch.name

string

Optional. . Branch name.

bank.account.type

string

Optional. Payer account type, according to Localpayment bank account validations.

bank.account.number

string

Optional. Payer account number

item.id

string

Optional. Item ID

invoice

string

Optional. Invoice reference

item

array

Optional. List of sold items

items.quantity

number

Optional. Item quantity

items.categoryId

string

Optional. Item category

items.pictureUrl

string

Optional. URL pointing to an item picture

items.description

string

Optional. Item description

item.title

string

Optional. Item title

items.unitPrice

number

Optional. Unit price

shipments.city

string

Optional. City

shipments.number

String

Optional. Number address

shipments.street

string

Optional. Street address

shipments

array

Optional. List of shipping addresses

shipments.country

string

Optional. State/Province

shipments.state

string

Optional. State/ProvinceShipping country

shipments.comment

string

Optional. Additional info

shipments.zipCode

string

Optional. Zip code

To make a referenced payment, you must use the ticket.barcode that comes in the response.

"ticket": {

"barcode": "1250270000037"

}

Examples: Bank Transfer payin reference payment response

{
    "transactionType": "PayIn",
    "externalId": "PEN1234HbCVN5vd7589",
    "internalId": "dc95cc82-ff15-4eb3-8547-da9656d3781f",
    "paymentMethod": {
        "type": "BankTransfer",
        "code": "6029",
        "flow": "DIRECT"
    },
    "country": "PER",
    "currency": "PEN",
    "amount": 18.22,
    "accountNumber": "604.604.00000003",
    "confirmed": {
        "currency": "PEN",
        "amount": 18.22,
        "fxQuote": 1.0
    },
    "payment": {
        "currency": "PEN",
        "fxQuote": 1.0,
        "financingFee": 0.0,
        "amount": 18.22
    },
    "localTaxes": [],
    "withHoldings": [],
    "fees": {
        "description": "Fee",
        "currency": "PEN",
        "fxSource": 3.723165,
        "fxQuote": 1.0,
        "amount": 1.18,
        "account": "604.604.00000003"
    },
    "status": {
        "code": "100",
        "description": "INPROGRESS",
        "detail": "The payin is pending the confirmation"
    },
    "ticket": {
        "image": "https://api.stage.localpayment.com/api/images/Code128/7041717426980990",
        "barcode": "7041717426980990",
        "expirationDate": "2024-06-10T15:02:54.2171666",
        "paymentInstructions": "<ol data-stringify-type=\"ordered-list\" class=\"p-rich_text_list p-rich_text_list__ordered\" data-indent=\"0\" data-border=\"0\" style=\"box-sizing: inherit; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding: 0px; list-style-type: none; counter-reset: list-1 0 list-2 0 list-3 0 list-4 0 list-5 0 list-6 0 list-7 0 list-8 0; color: rgb(29, 28, 29); font-family: Slack-Lato, Slack-Fractions, appleLogo, sans-serif; font-size: 15px; font-variant-ligatures: common-ligatures; background-color: rgb(248, 248, 248);\"><li data-stringify-indent=\"0\" data-stringify-border=\"0\" style=\"box-sizing: inherit; margin-bottom: 0px; margin-left: 28px; list-style-type: none;\">Ingresa a tu banca desde la web o el aplicativo móvil de BBVA dentro de la fecha límite de pago.</li><li data-stringify-indent=\"0\" data-stringify-border=\"0\" style=\"box-sizing: inherit; margin-bottom: 0px; margin-left: 28px; list-style-type: none;\">Selecciona pago de servicio, elige Paycash e ingresa todos los dígitos del numero de referencia.&nbsp;<span data-stringify-type=\"bold\" style=\"box-sizing: inherit; font-weight: bolder;\">Antes de pagar verifica que los datos coincidan con los de este recibo de pago.</span></li><li data-stringify-indent=\"0\" data-stringify-border=\"0\" style=\"box-sizing: inherit; margin-bottom: 0px; margin-left: 28px; list-style-type: none;\">Realiza el pago por el total a pagar, este se reflejará al instante.</li></ol>"
    },
    "merchant": {
        "type": "INDIVIDUAL",
        "name": "Obi Wan",
        "lastname": "Kenobi",
        "email": "obiwankenobi@starwars.com",
        "phone": {
            "countryCode": "54",
            "areaCode": "11",
            "number": "98789632"
        },
        "address": {
            "street": "Charruas",
            "number": "938",
            "city": "Hurlingham",
            "state": "state",
            "country": "Argentina",
            "zipCode": "1688",
            "comment": "portero 801"
        },
        "birthdate": "2000-01-01",
        "nationality": "Argentinian",
        "userReference": "abc123"
    },
    "payer": {
        "type": "COMPANY",
        "name": "LOCALPAYMENT",
        "document": {
            "type": "RUC",
            "id": "20608388649"
        },
        "email": "paycash-middleware@localpayment.com",
        "phone": {
            "countryCode": "1",
            "areaCode": "11",
            "number": "98789632"
        },
        "address": {
            "street": "Siempre viva",
            "number": "1234",
            "city": "Temperley",
            "state": "state",
            "country": "Argentina",
            "zipCode": "1686",
            "comment": "timbre roto, llamar"
        },
        "birthdate": "01/01/1990",
        "nationality": "Argentino",
        "userReference": "identificador del pagador"
    },
    "intermediaries": [
        {
            "type": "COMPANY",
            "name": "LOCALPAYMENT",
            "document": {
                "type": "RUC",
                "id": "3101362145"
            },
            "email": "n.cabral@gmail.com",
            "phone": {
                "countryCode": "1",
                "areaCode": "11",
                "number": "98789632"
            },
            "address": {
                "street": "Siempre viva",
                "number": "1234",
                "city": "Temperley",
                "state": "state",
                "country": "Argentina",
                "zipCode": "1686",
                "comment": "timbre roto, llamar"
            },
            "birthdate": "01/01/1990",
            "nationality": "Argentino"
        }
    ],
    "date": {
        "creationDate": "2024-06-03T15:02:53.816+00:00",
        "processedDate": "2024-06-03T15:03:01.0423489",
        "expirationDate": "2024-06-10T15:02:54.2171666"
    },
    "paymentInstructions": "<ol data-stringify-type=\"ordered-list\" class=\"p-rich_text_list p-rich_text_list__ordered\" data-indent=\"0\" data-border=\"0\" style=\"box-sizing: inherit; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding: 0px; list-style-type: none; counter-reset: list-1 0 list-2 0 list-3 0 list-4 0 list-5 0 list-6 0 list-7 0 list-8 0; color: rgb(29, 28, 29); font-family: Slack-Lato, Slack-Fractions, appleLogo, sans-serif; font-size: 15px; font-variant-ligatures: common-ligatures; background-color: rgb(248, 248, 248);\"><li data-stringify-indent=\"0\" data-stringify-border=\"0\" style=\"box-sizing: inherit; margin-bottom: 0px; margin-left: 28px; list-style-type: none;\">Ingresa a tu banca desde la web o el aplicativo móvil de BBVA dentro de la fecha límite de pago.</li><li data-stringify-indent=\"0\" data-stringify-border=\"0\" style=\"box-sizing: inherit; margin-bottom: 0px; margin-left: 28px; list-style-type: none;\">Selecciona pago de servicio, elige Paycash e ingresa todos los dígitos del numero de referencia.&nbsp;<span data-stringify-type=\"bold\" style=\"box-sizing: inherit; font-weight: bolder;\">Antes de pagar verifica que los datos coincidan con los de este recibo de pago.</span></li><li data-stringify-indent=\"0\" data-stringify-border=\"0\" style=\"box-sizing: inherit; margin-bottom: 0px; margin-left: 28px; list-style-type: none;\">Realiza el pago por el total a pagar, este se reflejará al instante.</li></ol>",
    "errors": []
}

        "merchant.document.type": [
            "After parsing a value an unexpected character was encountered: \". Path 'merchant.document.type', line 20, position 12."
        ],
        "merchant.document.type.document": [
            "After parsing a value an unexpected character was encountered: \". Path 'merchant.document.type', line 20, position 12."
        ],
        "merchant.document.type.merchant": [
            "After parsing a value an unexpected character was encountered: \". Path 'merchant.document.type', line 20, position 12."
        ]
    },
    "type": "https://tools.ietf.org/html/rfc7231#section-6.5.1",
    "title": "One or more validation errors occurred.",
    "status": 400,
    "traceId": "00-dd67fb049d96294ca19dca3819cfd190-88bec66e822ff245-00"
}

Examples: Bank Transfer payin payment reference request

{
	"paymentMethod": {
		"type": "BankTransfer",
		"code": "6029", 
		"flow": "DIRECT"
	},
	"externalId": "PEN1234HbCVN5vd7589",
	"country": "PER",
	"currency": "PEN",
	"amount": 18.22,
	"accountNumber": "604.604.00000003",
	"conceptCode": "0001",
	"comment": "Prueba PayCash",
    "merchant": {
        "type": "INDIVIDUAL",
        "name": "Obi Wan",
        "lastname": "Kenobi",
        "userReference": "abc123",
        "email": "obiwankenobi@starwars.com",
        "phone": {
            "countryCode": "54",
            "areaCode": "11",
            "number": "98789632"
        },
        "birthdate": "2000-01-01",
        "nationality": "Argentinian",
        "address": {
			"street": "Charruas",
			"number": "938",
			"city": "Hurlingham",
			"state": "state",
			"country": "Argentina",
			"zipCode": "1688",
			"comment": "portero 801"
		}
    },
	"payer": {
		"type": "COMPANY",
		"name": "LOCALPAYMENT",
		"document": {
            "id": "20608388649",
            "type": "RUC"
        },
		"email": "paycash-middleware@localpayment.com",
		"phone": {
			"countryCode": "1",
			"areaCode": "11",
			"number": "98789632"
		},
		"birthdate": "01/01/1990",
		"nationality": "Argentino",
		"address": {
			"street": "Siempre viva",
			"number": "1234",
			"city": "Temperley",
			"state": "state",
			"country": "Argentina",
			"zipCode": "1686",
			"comment": "timbre roto, llamar"
		},
		"userReference": "identificador del pagador"
	},
    "bank":{
        "name":"Account holder name",
        "code":"014",
        "branch":{
            "code":"",
            "name":""
        },
        "account":{
            "type":"s",
            "number":"217309"
        },
    },
	"intermediaries": [{
		"type": "COMPANY",
		"name": "LOCALPAYMENT",
		"document": {
			"id": "3101362145",
			"type": "RUC"
		},
		"email": "n.cabral@gmail.com",
		"phone": {
			"countryCode": "1",
			"areaCode": "11",
			"number": "98789632"
		},
		"birthdate": "01/01/1990",
		"nationality": "Argentino",
		"address": {
			"street": "Siempre viva",
			"number": "1234",
			"city": "Temperley",
			"state": "state",
			"country": "Argentina",
			"zipCode": "1686",
			"comment": "timbre roto, llamar"
		},
	}],
	"device": {
		"id": "Android 9",
		"ip": "127.111.142",
		"browser": "Google Chrome"
	},
	"metaData": {
		"algoDelCliente": "informacion adicional del cliente"
	}
}

Example Ticket Reference Payment

The number you must enter in your hombanking is the one that appears below the barcode

Check the Payin Status Codes

Payin

PreviousPanama NextRefund Bank Transfer

Last updated 1 month ago