Skip to content

Colombia · Pay-ins & payouts

PSE, Bre-B and cards in Colombia

Collect with PSE, Bre-B-key virtual accounts and cards with 3D Secure, installments and subscriptions, and pay out in real time over TransfiYa and Bre-B.

Contact salesColombia API docs
  • Bre-B · real-time rail
  • Currency: COP
  • Registered
Pay-ins
PSE
Pay-ins and payouts
Bre-B
Real-time payouts
TransfiYa
3D Secure, installments and subscriptions
Cards

Market snapshot

Colombia in figures

Public, dated figures from official sources. Every number links to its source.

Market overview

Bank payments, instant transfers and cards

In Colombia, Localpayment collects in pesos (COP) through PSE online bank payments, Bre-B-key virtual accounts and a full card stack, and pays out over TransfiYa, Bre-B or ACH. Localpayment is a PSP under the supervision of the Chamber of Commerce of Colombia.

  • PSE payments up to COP 788,800,000
  • Bre-B pay-ins through Bre-B-key virtual accounts, up to COP 11,000,000
  • Visa, Mastercard, American Express and Diners Club with 3D Secure, installments, tokenization and subscriptions
  • Real-time payouts over TransfiYa (up to COP 50,000,000) and Bre-B keys
Compare all payment methods

Checkout experience

How customers pay in Colombia

Pick a payment method to watch the checkout, step by step. Screens and amounts are illustrative.

Virtual account (Bre-B key)

  1. 1Comercio EjemploCheckout shows the account details to pay COP 350,000.
  2. 2Banco EjemploThe payer transfers COP 350,000 to the account shown.
  3. 3Payment confirmedYour system receives the signed webhook and releases the order.

Pay-ins

Pay-in methods in Colombia

Every documented method, with its API code, limits and how each payment is confirmed.

  • Virtual account (Bre-B key)

    Type
    Virtual account
    Code
    2006
    Limits
    COP 1 – 11,000,000
    Confirmation
    Real-time, confirmed by webhook
    Notes
    —

  • PSE

    Type
    Account-to-account
    Code
    1936
    Limits
    Up to COP 788,800,000
    Confirmation
    Asynchronous, confirmed by webhook
    Notes
    The payer approves in their online banking

  • Credit cards

    Type
    Card
    Code
    Visa 1900 · Amex 1901 · Mastercard 1904 · Diners Club 1907
    Limits
    COP 1,000 – 5,000,000
    Confirmation
    Real-time authorization
    Notes
    3D Secure, installments, tokenization, refunds and chargebacks

  • Debit cards

    Type
    Card
    Code
    Visa 1905 · Mastercard 1906
    Limits
    COP 1,000 – 5,000,000
    Confirmation
    Real-time authorization
    Notes
    —

  • Card subscriptions

    Type
    Subscription
    Code
    —
    Limits
    —
    Confirmation
    Real-time authorization
    Notes
    Scheduled (plan-based) and on-demand charges, with retries

Codes are the paymentMethod.code values in the API. Limits as documented at docs.localpayment.com; final availability depends on your agreement.

Payouts

Payout rails in Colombia

Every documented rail, with speed, cut-off and limits.

  • TransfiYa

    Type
    Bank transfer
    Code
    0061
    Speed / cut-off
    Real-time, 24/7
    Limits
    COP 40 – 50,000,000
    Notes
    —

  • Bre-B key

    Type
    Bank transfer
    Code
    0062
    Speed / cut-off
    Real-time, 24/7
    Limits
    COP 1 – 11,552,000
    Notes
    —

  • Bank transfer (ACH)

    Type
    Bank transfer
    Code
    0060
    Speed / cut-off
    Same day or T+1, cut-off 15:00 local time
    Limits
    Min. COP 40, no maximum
    Notes
    —

  • Wallets

    Type
    Wallet
    Code
    —
    Speed / cut-off
    Via bank transfer
    Limits
    —
    Notes
    Credited to the beneficiary’s wallet through a bank transfer

Codes are the paymentMethod.code values in the API. Limits as documented at docs.localpayment.com; final availability depends on your agreement.

License & regulation

Colombia: registered presence

PSP — under the supervision of the Chamber of Commerce of Colombia. Before go-live, every merchant completes a compliance review (due diligence or enhanced due diligence) and business verification (KYB).

  • Status: Registered
  • Production credentials after Stage testing, a security review and KYB
  • Accepted documents: NIT, CC, CE, TI, PASS
  • TLS 1.2+, AES-256 encryption at rest, MFA and HMAC-signed webhooks
See all licenses

For developers

Send your first payout in Colombia

Get an access token with POST /api/token/, then call POST /api/payout/ with the rail code and the ISO-3 country code. Test it in Stage first: no real money moves.

  • Country COL · currency COP
  • Rail: TransfiYa · code 0061
  • Final status by HMAC-signed webhook
Colombia guide in the docs
# Illustrative request with simplified fields — see the Colombia page at docs.localpayment.com
# ACCESS_TOKEN comes from POST /api/token/ and is valid for 5 minutes
curl -X POST https://api.stage.localpayment.com/api/payout/ \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "externalId": "payout-co-000184",
    "country": "COL",
    "currency": "COP",
    "amount": 350000,
    "paymentMethod": {
      "type": "BankTransfer",
      "code": "0061",
      "flow": "DIRECT"
    },
    "accountNumber": "<your-account-number>",
    "conceptCode": "0001",
    "beneficiary": {
      "type": "INDIVIDUAL",
      "name": "Valentina",
      "lastname": "Ríos",
      "document": { "type": "CC", "id": "0000000000" },
      "bank": {
        "account": { "number": "<beneficiary-account-number>" }
      }
    }
  }'

Nearby markets

Keep expanding across the region

Same API, same Business Portal: a new market is a configuration, not a new integration.

Frequently asked questions

Which methods are available in Colombia?

Pay-ins: Virtual account (Bre-B key), PSE, Credit cards, Debit cards and Card subscriptions. Payouts: TransfiYa, Bre-B key, Bank transfer (ACH) and Wallets. The tables above show codes, limits and speeds.

Do you support Bre-B?

Yes: Bre-B pay-ins through Bre-B-key virtual accounts, and payouts to Bre-B keys. Bre-B confirms in seconds, 24/7.

Can I offer card installments and subscriptions in Colombia?

Yes. Cards in Colombia support 3D Secure, installments and tokenization, plus scheduled and on-demand subscriptions with configurable retries.

Which payout rails are available?

TransfiYa and Bre-B keys in real time, ACH same day or T+1 with a 15:00 local cut-off, and wallets via bank transfer.

How do I go live in Colombia?

Talk to sales about your flows. After the agreement and a compliance review (due diligence or enhanced due diligence), you receive Stage (sandbox) credentials to integrate without moving real money. Production credentials follow Stage testing, a security review and business verification (KYB), so you can go live in weeks.

Related products

Launch in Colombia

Get Stage (sandbox) credentials when the partnership starts and go live in weeks. Adding countries later is a configuration, not a reintegration.

Contact salesGo to our docs

How can we help?

Download your copy

Leave your details and get the full edition instantly.