Chile

This table summarizes key details to help you manage your virtual account efficiently:

SLA payment confirmation	Real Time 24/7.
Processing Currency	CLP
Minimum transaction amount	1.00 CLP
Maximum transaction amount	7,000,000 CLP
Local Account format	Name: Account number Length: Between 6 and 16 Type: numeric Example: 007003670478
Clearinghouse	CCA
Beneficiary Type	Only Local Residents
Virtual Account creation model	Offline

Country-Specific Account Details

In Chile, local bank transfers (in Chilean Pesos - CLP) are processed directly between bank accounts within the country. While there isn't a single, universally standardized interbank code like Mexico's CLABE or Europe's IBAN, transfers are efficient and require clear beneficiary information.

Make transfers to virtual accounts

Once your virtual account is set up, you can transfer to it by following the steps below:

Receive Payment Notifications

Whenever a customer completes a payment to a Virtual Account, Localpayment sends a webhook notification to your registered endpoint. All payin notifications follow the same structure and contain the same information—regardless of the timing or amount of the payment. These include key fields such as amount, currency, status, and transaction reference, allowing you to automate reconciliation and update internal systems accordingly. For full details of the notification structure, refer to the payin On receiving a payment for event structure

Considerations for reconciliation

Localpayment automatically matches incoming payments with their corresponding transactions and handles reconciliation automatically and in real time (24/7).

The following payer details are returned to help confirm the reconciliation:

• RUT (National ID)

• Full Name

• Bank Name

• Account Number

The following is an example of the Payer object:

"payer": {
        "type": "INDIVIDUAL",
        "name": "JOHN",
        "lastName": "DOE",
        "document": {
          "type": "RUT",
          "id": "10851280K"
        },
        "email": "[email protected]",
        "bank": {
          "name": "Banco Santander Chile",
          "code": "037",
          "branch": {},
          "account": {
            "type": "C",
            "number": "171745"
          }
        },
        "userReference": "TRANSFERENCIA DESDE Santander    DE JOHN DOE |                                                                       "
      },

Reference Number: The reference number is generated by the Merchant and must be included by the user when making the payment. To improve reconciliation, the webhook notification includes the tracking object, where this reference appears in the tracking.concept field. Below is an example of the tracking object

"tracking": {
        "id": "000723680081",
        "reference": "2025-06-17-12.30.52.099018",
        "concept": "merchant order n° 15309"
      }

Please refer to the following article for additional details about reconciliation:

Reconciliation models