Peru

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

Property	Description
SLA payment confirmation	Real Time 24/7.
Processing Currency	PEN
Minimum transaction amount	0.01 PEN
Maximum transaction amount	30.000 PEN
Local Account format	Name: CCI Length: 20 digits Type: numeric Example: 92250610000000101234
Clearinghouse	CCE
Beneficiary Type	Local and Foreign Residents
Virtual Account creation model	Online Individual

For detailed information on service times and conditions, please see our article on Service Level Agreements (SLAs).

Country-Specific Account Details

In Peru, local bank transfers in Peruvian Soles (PEN) are primarily handled through the CCI (Código de Cuenta Interbancario). The CCI is a standardized code that facilitate efficient identification and transfer of funds.

Account Format

The CCI is a 20-digit code that uniquely identifies a traditional bank account in Peru.

Position	Length	Description
1–3	3 digits	Financial institution (bank) code
4–6	3 digits	Branch number
7-18	12 digits	Account number
19-20	2 digits	Verification digits

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:

• Full Name

• Bank Code

• Bank Name

• Account Number (CCI)

The following is an example of the Payer object:

"payer": {
        "type": "INDIVIDUAL",
        "name": "JOHN",
        "lastName": "DOE",
        "bank": {
          "name": "INTERBANK (BANCO INTERNACIONAL DEL PERÚ)",
          "code": "003",
          "account": {
            "number": "00310701315123456789"
          }
        }
      },

Financial institutions without payer full-name availability

Certain Peruvian financial institutions do not provide the payer’s full name in the transaction details. Because this information is not available in the settlement data sent by these entities, you may be unable to correctly identify the payer.

Financial Institutions List

• 007 – CITIBANK DEL PERU S.A.

• 056 – BANCO SANTANDER PERU S.A.

• 805 – CAJA MUNICIPAL DE AHORRO Y CRÉDITO SULLANA

• 813 – CAJA MUNICIPAL DE AHORRO Y CRÉDITO TACNA

Payment Reference: The transaction includes the reference field that help identify and reconcile the movement:

• reference: Reference code provided by the originating entity (the financial institution that initiated the transfer). This value is often used for internal reconciliation, or to match the transaction against the originator’s own records.

    "tracking": {
      "id": "2025102011074908084191797675",
      "reference": "00100000297079044806",
      "concept": ""
    }