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PagoEfectivo

  POST https://api-sandbox.letpay.io/pagoEfectivo/simple

Overview​

This process is designed to facilitate PagoEfectivo payments in Peru, optimizing user experience and conversion rates. It allows your customers to make payments quickly and securely by generating a payment code (CIP) or a QR code, which can be paid through various channels such as banking apps, websites, or a network of authorized agents.

The process offers:

  • Immediate display of a CIP (Código de Identificación de Pago) and QR code to the payer, providing a simple and widely-used payment method in Peru, which contributes to a higher conversion rate.
  • To use this process, simply send the required fields as indicated in the documentation.

Minimum and Maximum Amounts​

Payment MethodFinancial institutionsMinimum AmountMaximum Amount
OnlineBCP, BBVA, Interbank, Scotiabank, Caja Tacna, Caja Trujillo, Caja Huancayo, Caja ArequipaPEN 1.00Up to PEN 30,000.00
CashBCP, BBVA, Interbank, Scotiabank, Caja Tacna, Caja Trujillo, Caja Huancayo, Caja Arequipa, Banco Ripley, Entidad Financeira Raíz, Western Union, Leon XIII, Norandino, Banco Pichincha, Caja Los Anges, Caja Del Santa, QAPAQPEN 1.00Up to PEN 30,000.00
CashCaja Paita, Scotiabank, Kasnet, Tambo, BCP Agente, BBVA Agente, Interbank Agente, Banco AztecaPEN 1.00Up to PEN 1,800.00
Loan MoneyCuotéaloPEN 1.00Up to PEN 7,200.00

Reference Checkout UI PagoEfectivo​

Reference UI - PagoEfectivo - Part 1Reference UI - PagoEfectivo - Part 1 Reference UI - PagoEfectivo - Part 2Reference UI - PagoEfectivo - Part 2

PagoEfectivo Flow​

Authorization​

HeaderValue
X-Auth-TokenMY_ACCESS_TOKEN

Request description​

  • contract_id (required/string): Merchant's contract id.
  • notification_url (required/string): URL to post callbacks to this payment.
  • reference_id (required/string/max 45 chars): External code created by the merchant to reference this payment (e.g. order number).
  • payment (required/object): The payment data:
    • amount (required/float): Total amount of the payment. Value must have a maximum of two decimal places.
    • asset (required/string): Reference code for asset for the sale's amount.
    • country (required/string): Country code in ISO 3166-2.
    • currency (required/string): Currency code in ISO-4217.
    • pago_efectivo (optional/object): The PagoEfectivo description:
      • expiration_date (optional/string): The expiration date for the payment CIP/QR code in YYYY-MM-DD format.
  • person (required/object): The person data:
    • email (required/string): Person’s email provided to the merchant.

Response Description​

  • transaction_status (string): Current status of the payment.
  • payment_token (string): Unique payment identification for this payment.
  • reference_id (string): External code created by the merchant to reference this payment (e.g. order number).
  • qr_code (string): Base64 encoded zipped PNG image of the QR code.
  • cip_code (string): The payment code generated for the transaction.
  • amount (string): Amount of this payment.
  • expiration_date (string): The expiration date and time for the payment.
  • totals (object): The payment totals.
    • amount (float): Amount in default region asset.
    • asset (string): Asset used in this amount.
    • original_amount (float): Amount as informed by merchant.
    • original_asset (string): Asset used in this originalAmount.
    • customer_fees (float): Total calculated fee assigned to customer.
    • customer_amount (float): Total amount for customer (amount + customer_fees).
    • asset (required/string): Reference code for asset for the sale's amount.
  • customer_fees (object): List of incident customer fees and respective values.
  • auxiliary_url (string): URL to a hosted page with payment instructions.
  • refresh_token (string): Updated access token for future calls.

Example Request​

Example Request​

200 - Success
    curl --location 'https://api-sandbox.letpay.io/bankTransfer/simple' \
    --header 'X-Auth-Token: MY_ACCESS_TOKEN' \
    --data-raw '{
                  "contract_id": "MY_CONTRACT_ID",
                  "notification_url": "https://my.notification.url/callback/",
                  "reference_id": "MY_REFERENCE_ID",
                  "payment": {
                      "amount": 100.00,
                      "asset": "PEN",
                      "country": "PE",
                      "currency": "PEN",
                      "pago_efectivo": {
                          "expiration_date": "2024-12-31"
                      }
                  },
                  "person": {
                      "email": "[email protected]"
                  }
                }'

Example Response​

Header
  Content-Type: application/json
Body
    {
        "transaction_status": "PROCESSING",
        "payment_token": "a19ceaa4-a595-4593-a755-b31af6825df3",
        "reference_id": "MY_REFERENCE_ID",
        "qr_code": "BASE64_ZIPPED_PNG",
        "cip_code": "1920180",
        "amount": "100.00",
        "expiration_date": "2025-08-22T19:34:06",
        "totals": {
            "amount": 100,
            "original_amount": 100,
            "original_asset": "PEN",
            "customer_fees": 0,
            "customer_amount": 100,
            "asset": "PEN"
        },
        "customer_fees": {},
        "auxiliary_url": "https://pre1a.payment.pagoefectivo.pe/D4860AA1-9B16-45D9-A23B-EFB4FAF4C060.html",
        "refresh_token": "MY_ACCESS_TOKEN"
    }