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Payment methods · Peru

CCI and CCE in Peru: collect by transfer, pay out in real time up to PEN 30,000

Give customers a CCI virtual account in soles or dollars, and send payouts through CCE, LBTR or straight to a wallet from the same integration.

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  • Virtual account
  • Peru
  • Pay-in · Payout

Key facts

Immediate transfers at national scale

Figures published by the Central Reserve Bank of Peru.

What it is

Peru’s interbank rails, in and out

In Peru, accounts are identified by a CCI (interbank account code) and interbank payments run over CCE, with LBTR for higher amounts. With Localpayment you assign each customer a CCI virtual account in PEN or USD and reconcile the credits automatically; pay-ins are asynchronous and confirmed by webhook. For payouts you choose the route by amount: CCE in real time, LBTR same day, or CCE directly to a wallet.

  • CCI virtual accounts in PEN (up to PEN 30,000) and USD (up to USD 10,000)
  • CCE payouts in real time, 24/7, up to PEN 30,000; LBTR same day above PEN 30,000
  • Direct CCE wallet payouts in real time, PEN 1 to 500 (up to PEN 3,000 for Yape)

How it works

How a CCI transfer is collected

Actors and steps follow the documented flow. The final status always arrives by signed webhook.

  1. 1

    Your businessLocalpayment:

    Creates the virtual account

    POST /api/virtual-account, one by one or in batches. The number or key in the local format, ready to share.

  2. 2

    Your businessCustomer:

    Shares the payment details

    In your checkout, invoice or app.

  3. 3

    CustomerBank · CCI:

    Transfers from their bank

    Electronic transfers only; cash deposits are not credited.

  4. 4

    LocalpaymentYour business:

    Webhook: payment received

    Localpayment matches the transfer to the virtual account automatically. Signed webhook with payer data and amount; funds are credited to your Localpayment balance.

Simplified diagram. Timing depends on the rail and the bank; see the key facts below.

How it works

How a CCI payout works

Actors and steps follow the documented flow. The final status always arrives by signed webhook.

  1. 1

    Your businessLocalpayment:

    Sends the payout request

    POST /api/payout/ with the beneficiary details, amount and externalId. Compliance checks run; with requireAuth, a second approver signs off before funds move.

  2. 2

    LocalpaymentBank · CCI:

    Locks the funds and sends the instruction

    The payout moves from Locked to In Progress over CCI.

  3. 3

    Bank · CCIBeneficiary:

    Credits the beneficiary

    Timing depends on the rail; see the key facts below.

  4. 4

    LocalpaymentYour business:

    Webhook: payout completed

    Localpayment updates the payout to its final status. Signed webhook with the final status; the proof of payment can be downloaded.

Simplified diagram. Timing depends on the rail and the bank; see the key facts below.

How it works

See CCI in action

A simplified, fictitious walkthrough. Names and amounts are examples.

  1. 1Comercio EjemploCheckout shows the account details to pay PEN 1,250.00.
  2. 2Banco EjemploThe payer transfers PEN 1,250.00 to the account shown.
  3. 3Payment confirmedYour system receives the signed webhook and releases the order.
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Key facts

CCI: key facts

  • Country

    Detail
    🇵🇪 Peru

  • Currency

    Detail
    PEN · USD

  • Direction

    Detail
    Pay-in and payout

  • Pay-in · Virtual account (CCI, PEN)

    Detail
    Asynchronous, confirmed by webhook · PEN 1 – 30,000

  • Pay-in · Virtual account (CCI, USD)

    Detail
    Asynchronous, confirmed by webhook · USD 1 – 10,000

  • Payout · Bank transfer (CCE)

    Detail
    Real-time, 24/7 · Up to PEN 30,000

  • Payout · Bank transfer (LBTR)

    Detail
    Same day, cut-off 18:00 local time · Above PEN 30,000

  • Payout · Wallets (CCE, direct)

    Detail
    Real-time · PEN 1 – 3,000 (Yape) · PEN 1 – 500 (other wallets)

Taken from the Localpayment documentation for each country. Limits and availability can change; confirm them with your account manager.

Consumer experience

What your customer sees with CCI

Authorization, limits and refunds as documented on docs.localpayment.com. Limits are shown only where the documentation states them.

  • How the customer authorizes

    Your checkout shows the 20-digit CCI of the virtual account (in PEN or USD) with the beneficiary name. The customer opens their bank app, chooses “transfer to another bank”, enters the CCI and the amount, and confirms. The credit is matched to the account automatically and the final status reaches you by webhook.

  • Documented limits

    Virtual account (CCI, PEN) (Pay-in): PEN 1 – 30,000 · Virtual account (CCI, USD) (Pay-in): USD 1 – 10,000 · Bank transfer (CCE) (Payout): Up to PEN 30,000 · Bank transfer (LBTR) (Payout): Above PEN 30,000 · Wallets (CCE, direct) (Payout): PEN 1 – 3,000 (Yape) · PEN 1 – 500 (other wallets). Per transaction, as published in the documentation; contractual limits may differ.

  • Refunds and returns

    A credited transfer can be refunded with PATCH /api/payin/{externalId}/refund. Only full refunds are supported and the funds are routed back to the payer’s original account automatically, with no extra beneficiary data. Cash deposits are never credited.

Integration checklist

Go live with CCI in five steps

The same sequence for every rail. Watch the animated checkout for this country before you build.

  1. Get Stage credentials

    Request access, receive sandbox credentials and obtain a JWT with POST /api/token/.

  2. Create the pay-in

    POST /api/payin/ with the Localpayment code from the key facts table, ISO-3 country, currency, amount and payer data.

  3. Show the instructions

    Render the QR, code, redirect or account details from the response and respect the expiration date.

  4. Verify the webhook

    Validate x-Signature (HMAC-SHA256), release the order on status 200 and deduplicate on externalId.

  5. Watch the animated checkout

    Every method of this country, screen by screen, in the checkout experiences gallery.

History

From electronic cheque clearing to 24/7 immediate transfers

Sources: Banco Central de Reserva del Perú, payment systems pages and interoperability strategy (Circular 0024-2022-BCRP).

  1. Electronic clearing house

    Peru’s electronic clearing house (CCE), regulated and supervised by the central bank, replaces manual cheque clearing with electronic clearing in November 2000.

  2. Interbank transfers

    Interbank transfer clearing is added: funds move between accounts at different institutions, identified by their CCI, with deferred settlement.

  3. Immediate transfers

    The “Transferencia Inmediata” service launches, crediting interbank transfers in seconds instead of in clearing cycles.

  4. 24/7 operation

    Interbank transfers extend their hours to 24 hours a day, 7 days a week.

  5. Interoperability regulation

    The central bank issues Circular 0024-2022-BCRP, making payment services interoperable in phases: wallets in 2023, bank apps and QR codes later that year, e-money accounts from December 2023.

  6. 20 million immediate transfers a month

    CCE immediate transfers average 20.6 million operations and about PEN 15 billion per month, with a per-transfer limit of roughly USD 10,000.

Why Localpayment

Why use CCI with Localpayment

  • One API for pay-ins and payouts

    CCI runs on the same API as every other method: POST /api/payin/ to collect, POST /api/payout/ to pay out, and new markets by configuration.

  • Webhook status on every transaction

    Every status change is pushed to your endpoint, signed with HMAC-SHA256, so you can verify and automate.

  • Reconciliation in the Business Portal

    Match every transaction through your externalId and our internalId, with Business Portal reports and balance APIs.

Keep exploring

FAQ

CCI: frequently asked questions

How do CCI pay-ins work and how fast are they confirmed?

Each customer, order or invoice gets a CCI virtual account and pays by transfer from their own bank. Pay-ins are asynchronous: the final status reaches you by signed webhook, so drive your order flow from that notification.

What are the limits?

CCI virtual accounts document up to PEN 30,000 in soles and up to USD 10,000 in dollars. CCE payouts are real-time, 24/7, up to PEN 30,000; the direct CCE wallet payout runs from PEN 1 to 500 (up to PEN 3,000 for Yape). Confirm your own limits with your account manager.

When do payouts use LBTR instead of CCE?

Above PEN 30,000 payouts use LBTR, which settles the same day rather than in real time. You send both routes through the same payout API.

Which documents are accepted in Peru?

The documented document types are DNI, CE, RUC and PASS.

What is a CCI?

The Código de Cuenta Interbancario is Peru’s 20-digit interbank account identifier. Every Localpayment virtual account in Peru returns a CCI, and every payout beneficiary is identified by their CCI.

Does a CCI pay-in have chargebacks?

No. The transfer is a push payment the payer authorizes in their own bank app, so there is no card-style chargeback. Returns are refunds you initiate as a payout to the payer.

How do I pay a wallet directly?

Send POST /api/payout/ with code 0171 and the beneficiary’s mobile number. The direct CCE wallet payout runs in real time for amounts from PEN 1 to 500 (up to PEN 3,000 for Yape).

What are the payout statuses?

100 Received, 101 Locked (passed compliance), 102 In Progress (sent to CCE or LBTR), 200 Completed (credited) and 300 Rejected, each delivered by signed webhook.

Add CCI to your payments

Tell us your markets and volumes. We start you on Stage (sandbox) credentials and guide you to go-live.

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