Payment methods · Chile
ETPAY in Chile: bank payments your customers approve in their app
Offer account-to-account payments in Chile from CLP 1 up to CLP 7,000,000 per transaction, and follow every payment by signed webhook.
- Bank redirect
- Chile
- Pay-in
Bank redirect- 09:41:02.11409:41:02PayIn100 INPROGRESS20084 ms
- 09:41:05.90209:41:05PayIn200 COMPLETED20091 ms
- 09:42:18.33009:42:18PayOut100 INPROGRESS20077 ms
- 09:42:40.01809:42:40PayOut200 COMPLETED20088 ms
- 09:43:00.55109:43:00VirtualAccount200 COMPLETED20080 ms
POST https://example-merchant.com/webhooks/localpayment
x-Signature: HMAC-SHA256 3f9a1c0e…b47e2b
{ "transactionType": "PayIn", "transactionFlow": "DIRECT",
"data": { "externalId": "order_8F2K-1043",
"status": { "code": "200", "description": "COMPLETED" } } }What it is
A bank-approved payment method for Chile
ETPAY lets a customer in Chile pay directly from their bank account. The payer reviews the amount and approves the payment in their bank or wallet app; there is no card data to type. With Localpayment you add it to your checkout through the same pay-in API you use in other countries. Confirmation is asynchronous, so the final status reaches you by signed webhook.
- Account-to-account pay-in in CLP, from 1 to 7,000,000 per transaction
- The payer approves in their bank or wallet app
- Asynchronous confirmation, delivered by signed webhook
- 09:41:02.11409:41:02PayIn100 INPROGRESS20084 ms
- 09:41:05.90209:41:05PayIn200 COMPLETED20091 ms
- 09:42:18.33009:42:18PayOut100 INPROGRESS20077 ms
- 09:42:40.01809:42:40PayOut200 COMPLETED20088 ms
- 09:43:00.55109:43:00VirtualAccount200 COMPLETED20080 ms
POST https://example-merchant.com/webhooks/localpayment
x-Signature: HMAC-SHA256 3f9a1c0e…b47e2b
{ "transactionType": "PayIn", "transactionFlow": "DIRECT",
"data": { "externalId": "order_8F2K-1043",
"status": { "code": "200", "description": "COMPLETED" } } }How it works
How an ETPAY payment works
Actors and steps follow the documented flow. The final status always arrives by signed webhook.
- 1
CustomerYour business:
Selects ETPAY
At your checkout or through a payment link. POST /api/payin/ with country, currency, amount and payer data.
- 2
CustomerBank · ETPAY:
Bank login
The response returns the payment instructions for the payer. The payment stays in progress until the payer approves. The payer signs in to their bank to continue.
- 3
CustomerBank · ETPAY:
Approves
The payer reviews the amount and approves the payment in their bank or wallet app.
- 4
LocalpaymentYour business:
Webhook
Localpayment receives the confirmation and updates the transaction. Signed with HMAC-SHA256 (x-Signature). Status 200 means completed; deduplicate on externalId.
Simplified diagram. Timing depends on the rail and the bank; see the key facts below.
How it works
See ETPAY in action
A simplified, fictitious walkthrough. Names and amounts are examples.
- 1Comercio EjemploThe customer picks ETPAY to pay CLP 45,000.
- 2Banco EjemploThe payer is taken to their bank to sign in and authorize.
- 3Payment confirmedYour system receives the signed webhook and releases the order.
Key facts
ETPAY: key facts
Country
- Detail
- 🇨🇱 Chile
Currency
- Detail
- CLP
Direction
- Detail
- Pay-in only
ETPAY
- Detail
- Asynchronous, confirmed by webhook · CLP 1 – 7,000,000
Flow
- Detail
- Customer approves in their bank app
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 ETPAY
Authorization, limits and refunds as documented on docs.localpayment.com. Limits are shown only where the documentation states them.
How the customer authorizes
The pay-in response returns a redirectUrl. You send the customer to the ETPAY portal, where they choose their bank, log in with their own credentials and approve the transfer for the exact amount. They are then returned to your site, and the final status arrives by webhook. No card data or account numbers are typed into your checkout.
Documented limits
ETPAY (Pay-in): CLP 1 – 7,000,000. Per transaction, as published in the documentation; contractual limits may differ.
Refunds and returns
A completed pay-in can be refunded with PATCH /api/payin/{externalId}/refund. Only full refunds are supported; the money goes back to a bank account of the payer and the transaction ends in status 902 (REFUNDED). While a payment is still pending it can be canceled instead.
Integration checklist
Go live with ETPAY in five steps
The same sequence for every rail. Watch the animated checkout for this country before you build.
Get Stage credentials
Request access, receive sandbox credentials and obtain a JWT with POST /api/token/.
Create the pay-in
POST /api/payin/ with the Localpayment code from the key facts table, ISO-3 country, currency, amount and payer data.
Show the instructions
Render the QR, code, redirect or account details from the response and respect the expiration date.
Verify the webhook
Validate x-Signature (HMAC-SHA256), release the order on status 200 and deduplicate on externalId.
Watch the animated checkout
Every method of this country, screen by screen, in the checkout experiences gallery.
History
The rail behind ETPAY: Chile’s instant bank transfers
Sources: Banco Central de Chile, Payment Systems Report 2023–2026 and regulation on low-value clearing houses; Law 21.521 (Fintec).
Instant bank transfers
Chilean banks start processing electronic funds transfers (TEF) as instant payments, with funds available to the receiver immediately. This is the rail an ETPAY payment ultimately runs on.
Fintec Law and payment initiation
Law 21.521 takes effect on 4 January 2023, creating the Open Finance System and recognizing payment initiation services, which let a third party start a transfer from the payer’s bank account with their consent.
Regulated low-value clearing
Under the central bank’s new framework for low-value payment clearing houses, the clearing house that processes TEF operates within the regulated perimeter.
Transfers as a merchant payment method
The central bank announces regulation, for public consultation, to strengthen instant payments and promote TEF as a means of payment in commerce.
Why Localpayment
Why use ETPAY with Localpayment
One API for pay-ins and payouts
ETPAY 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
Pay-ins
Collect in local currency with the methods people actually use.
Pay-ins —Chile
Methods, rails, currencies and licenses in Chile.
Chile —PSE
Rails, limits and flow, step by step.
PSE —SPEI
Rails, limits and flow, step by step.
SPEI —Methods by country
The full directory of documented pay-ins and payout rails.
Methods by country —
FAQ
ETPAY: frequently asked questions
How does an ETPAY payment work?
The customer picks ETPAY at your checkout, you create the pay-in through the Localpayment API and the payer approves the payment in their bank or wallet app. Confirmation is asynchronous: the final status reaches you by signed webhook.
What are the limits?
The documented range is CLP 1 to CLP 7,000,000 per transaction. Confirm your own limits with your account manager.
Which document does the payer need?
In Chile the documented identity document type is the RUT. For larger amounts paid by bank transfer, see TEF virtual accounts, which allow up to CLP 100,000,000 per transaction.
Which banks can the payer choose in ETPAY?
The ETPAY portal lists the main Chilean retail banks. The list is maintained by the rail and published in the documentation; you do not need to hard-code it in your checkout.
Does ETPAY have chargebacks?
No. The payer authorizes a bank transfer in their own online banking, so there is no card-style chargeback. Returns are refunds you initiate.
What happens if the payer abandons the portal?
The pay-in stays pending until it expires, then moves to a final failed status that you receive by webhook. Create a new pay-in if the customer wants to retry.
Which document type does ETPAY require?
The documented identifier is the Chilean RUT. Validate its check digit in your checkout before creating the pay-in.
Add ETPAY to your payments
Tell us your markets and volumes. We start you on Stage (sandbox) credentials and guide you to go-live.