Colombia

Learn about the dLocal supported payment methods in Colombia.

Market specifications

Take a look of all the payment methods available.

Country reference Cards supported Alternative Payment Method supported

Cards

Find all the information about the card supported capabilities.

Capabilities Process Card Payments

Alternative Payments

Learn how to integrate cash, bank transfer or wallet payment.

Efecty PSE Carulla Puntored Bancolombia Nequi Mercado Pago


Market specifications

Do you want to know more information about Colombia's market? Go to the Colombia’s economy and eCommerce market article.

Country reference

country codecurrency codedocument namedocument formatdocument required?
COCOPCCBetween 6 to 10 digitsYes

Cards supported

payment_method_idBrand IDNamepayment_method_typeDetailsAllowed FlowsLogo
CARDVIVisaCARDCredit Card ​DIRECT REDIRECT
CARDVDVisa Debit ​CARDDebit Card ​DIRECT REDIRECT
CARDMCMastercardCARDCredit Card ​DIRECT REDIRECT
CARDMDMastercard Debit ​CARDDebit Card ​DIRECT REDIRECT
CARDAEAmerican ExpressCARDCredit Card ​DIRECT REDIRECT
CARDDCDinersCARDCredit Card ​DIRECT REDIRECT
CARDCZCodensaCARDCredit Card ​DIRECT REDIRECT

ℹ️

To offer all the card options that may be available in your integration, send the payment_method_id as CARD.

Alternative Payment Method supported

payment_method_idNamepayment_method_typeDetailsAllowed FlowsLogo
EYEfectyTICKETCash Payment ​DIRECT REDIRECT
PCPSEBANK_TRANSFERBank Transfer OfflineREDIRECT
CRCarullaTICKETCash PaymentDIRECT REDIRECT
PDPuntoredTICKETCash PaymentREDIRECT
BNBancolombiaTICKETCash PaymentREDIRECT
QPNequiWALLETWalletREDIRECT
MPMercado PagoBANK_TRANSFERWallet ​DIRECT REDIRECT


Cards

Capabilities

Visa CreditVisa DebitMastercard CreditMastercard DebitAmerican ExpressDinersCodensa
Minimum amount169 COP169 COP169 COP169 COP100 COP100 COP100 COP
RefundsYesYesYesYesYesYesYes
RecurringYesYesYesYesYesYesYes
Chargeback optionYesNoYesNoYesYesYes
Chargeback Dispute optionYesNoYesNoYesYesYes
DescriptorCan be personalized, depending on the provider.Can be personalized, depending on the provider.Can be personalized, depending on the provider.Can be personalized, depending on the provider.Can be personalized, depending on the provider.Can be personalized, depending on the provider.Can be personalized, depending on the provider.

How to process Card Payments?

Learn how to process payments with credit and debit cards with dLocal in our Card Payments section.



Alternative Payment Method

Efecty

It was created with the aim of facilitating payments in the country. The Efecty voucher is now widely used in Colombia to pay utility bills and online purchases, in cash.

Capabilities

Efecty
Min. amount1000 COP
Max. expiration time supported5 days
Notification delayImmediate
RefundsYes
FlowDIRECT
REDIRECT

Request parameters

PropertyTypeDescriptionMandatory?
amountNumberAmount to be charged.Yes
currencyStringCOP

Transaction currency.
Yes
countryStringCO

Transaction country in ISO 3166.
Yes
payment_method_idStringEY

ID of the selected payment method.
Yes
payment_method_flowStringDIRECT or REDIRECTYes
payer.nameStringName of the payer.Yes
payer.emailStringEmail of the payer.Yes
payer.documentNumberDocument of the payer.Yes
order_idNumberID of the capture given by the merchant in their system. Think of it as an external ID of the capture.No
notification_urlStringNotifications will be sent in every change of status of a payment to the notification_url specified by the merchant.No

Examples

{
    "amount": 15000,
    "currency": "COP",
    "country": "CO",
    "payment_method_id": "EY",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "12345678",
        "address": {
            "country": "CO",
            "state": "Antioquia",
            "city": "Medellin",
            "zip_code": "8858",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}
{
    "id": "D-4-1c9e6c0f-a97f-4fc1-9a65-9a8bf3da3a88",
    "amount": 15000,
    "currency": "COP",
    "payment_method_id": "EY",
    "payment_method_type": "TICKET",
    "payment_method_flow": "DIRECT",
    "country": "CO",
    "bank_transfer": {},
    "ticket": {
        "type": "CUSTOM",
        "format": "Code 128",
        "number": "1011462900",
        "expiration_date": "2022-09-21T02:59:00.000+0000",
        "barcode": "41577099989921778020001014972898390020230119",
        "company_name": "Dlocal",
        "company_id": "111571",
        "provider_name": "efecty",
        "provider_logo": "https://static.dlocal.com/images/providers/efecty.png",
        "image_url": "https://pay.dlocal.com/gmf-apm/payments/M-8a443398-99f8-47d4-83cd-c8e5562aeffc",
        "amount": 15000,
        "currency": "COP"
    },
    "created_date": "2022-09-16T17:26:46.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "notification_url": "http://merchantsite.com/notification/new"
}

Example ticket

Efecty UI built with the information in the example above.

Efecty UI built with the information in the example above.

User Interface Tips UI

If you are using this payment method through a DIRECT integration, follow the tips below in order to make it easier for your customers to complete payments, boosting your conversion rates.

ElementTip
Ticket NumberIt is the number that payers must dictate to the cashiers in order to complete payment. Name it "Referencia" and separate it this way so it is easier to read: 3 digits - 3 digits - 4 digits.
Currency and AmountShould be relevant elements in the ticket. Users need to have that information very clearly.
Currency Symbol$
ConvenioThis identifies the payment beneficiary and although it is not usually necessary for payment, sometimes it helps cashiers to find the payment on their system.
BarcodeSome cashiers prefer to scan the barcode rather than asking for Reference and “Convenio”. Helping cashiers is a way to improve conversion rates.
Expiration dateDisplay this element clearly and visible enough. In Colombia, the date format is DD/MM/YYYY.
Accreditation delayLet users know that their payment will be credited immediately. This brings confidence and a sense of security that helps conversion rates.
Payment instructionsAlthough most users are familiarized with Efecty, it is a good practice to help those who are not. The image above is an example of instructions, but if needed, our team will be happy to help you with more personalized instructions.
Store locatorLink it to google.com/maps/search/efecty/.
Save buttonIt helps users to have their tickets always on their phones, making it needless to take notes or keep the browser open.
Print buttonIt is useful for some users who need to have their tickets printed.

PSE

Pagos Seguros Online (PSE) is a platform enabling consumers to make a direct ACH payment for e-commerce purchases, enabled by the local clearinghouse, ACH Colombia.

Capabilities

PSE
Min. amount1600 COP
Max. expiration time supported7 days
Notification delayImmediate
RefundsYes
FlowREDIRECT

UX Flow

The screenshots illustrate a generic PSE redirect flow.

The screenshots illustrate a generic PSE redirect flow.

Request parameters

PropertyTypeDescriptionMandatory?
amountNumberAmount to be charged.Yes
currencyStringCOP

Transaction currency.
Yes
countryStringCO

Transaction country in ISO 3166.
Yes
payment_method_idStringPC

ID of the selected payment method.
Yes
payment_method_flowStringREDIRECTYes
payer.nameStringName of the payer.Yes
payer.emailStringEmail of the payer.Yes
payer.documentNumberDocument of the payer.Yes
order_idNumberID of the capture given by the merchant in their system. Think of it as an external ID of the capture.No
notification_urlStringNotifications will be sent in every change of status of a payment to the notification_url specified by the merchant.No

Examples

{
    "amount": 1600,
    "currency": "COP",
    "country": "CO",
    "payment_method_id": "PC",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "12345678",
        "address": {
            "country": "CO",
            "state": "Antioquia",
            "city": "Medellin",
            "zip_code": "8858",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}
{
    "id": "R-4-3692f395-8bb4-4691-9254-97da09bc7dbc",
    "amount": 1600,
    "currency": "COP",
    "payment_method_id": "PC",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "CO",
    "created_date": "2023-01-17T17:29:02.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-continue/M-06dc6503-cb17-4e2e-980c-ce91f02c3e97"
}

Carulla

Carulla is a widely known supermarket in Colombia, which facilitates payments in cash through its network.

Capabilities

Carulla
Min. amount100 COP
Max. expiration time supported5 days
Notification delayImmediate
RefundsYes
FlowDIRECT
REDIRECT

Request parameters

PropertyTypeDescriptionMandatory?
amountNumberAmount to be charged.Yes
currencyStringCOP

Transaction currency.
Yes
countryStringCO

Transaction country in ISO 3166.
Yes
payment_method_idStringCR

ID of the selected payment method.
Yes
payment_method_flowStringDIRECT or REDIRECTYes
payer.nameStringName of the payer.Yes
payer.emailStringEmail of the payer.Yes
payer.documentNumberDocument of the payer.Yes
order_idNumberID of the capture given by the merchant in their system. Think of it as an external ID of the capture.No
notification_urlStringNotifications will be sent in every change of status of a payment to the notification_url specified by the merchant.No

Examples

{
    "amount": 10000,
    "currency": "COP",
    "country": "CO",
    "payment_method_id": "CR",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "12345678",
        "address": {
            "country": "CO",
            "state": "Antioquia",
            "city": "Medellin",
            "zip_code": "8858",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}
{
    "id": "D-4-1f768e63-05aa-4aeb-8cab-f3e04abbe9cb",
    "amount": 10000,
    "currency": "COP",
    "payment_method_id": "CR",
    "payment_method_type": "TICKET",
    "payment_method_flow": "DIRECT",
    "country": "CO",
    "bank_transfer": {},
    "ticket": {
        "type": "CUSTOM",
        "format": "GS1",
        "number": "4148318911",
        "expiration_date": "2023-01-23T18:59:00.000+0000",
        "id": "",
        "barcode": "4150000000054244802041483189113900100009620230123",
        "company_name": "Direct Company",
        "provider_name": "kushki-cash",
        "provider_logo": "https://s3-eu-west-1.amazonaws.com/static-dlocal/images/providers/kushki.png",
        "image_url": "https://api.kushkipagos.com/cash/v1/charges/2373976617732021/receipt",
        "currency": "COP"
    },
    "created_date": "2023-01-17T17:30:16.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "notification_url": "http://merchantsite.com/notification/new"
}

Example ticket

Carulla UI built with the information in the example above.

Carulla UI built with the information in the example above.

Puntored

Puntored is one the biggest local Fintech company in Colombia. They provide multiple services, but the main service is as a cash collector, providing thousands of collection points (direct and indirect), in hundreds of cities throughout the country.

Capabilities

Puntored
Min. amount100 COP
Max. expiration time supported5 days
Notification delayImmediate
RefundsYes
FlowREDIRECT

Request parameters

PropertyTypeDescriptionMandatory?
amountNumberAmount to be charged.Yes
currencyStringCOP

Transaction currency.
Yes
countryStringCO

Transaction country in ISO 3166.
Yes
payment_method_idStringPD

ID of the selected payment method.
Yes
payment_method_flowStringREDIRECTYes
payer.nameStringName of the payer.Yes
payer.emailStringEmail of the payer.Yes
payer.documentNumberDocument of the payer.Yes
order_idNumberID of the capture given by the merchant in their system. Think of it as an external ID of the capture.No
notification_urlStringNotifications will be sent in every change of status of a payment to the notification_url specified by the merchant.No

Examples

{
    "amount": 1000,
    "currency": "COP",
    "country": "CO",
    "payment_method_id": "PD",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "12345678",
        "address": {
            "country": "CO",
            "state": "Antioquia",
            "city": "Medellin",
            "zip_code": "8858",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}
{
    "id": "R-4-f244a2ac-1d8a-4b95-b7d2-68c5f786f769",
    "amount": 1000,
    "currency": "COP",
    "payment_method_id": "PD",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "CO",
    "created_date": "2023-06-22T17:49:58.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-89ac0aa9-8960-4b38-81ee-ed11390664e9"
}

Example ticket

Puntored UI built with the information in the example above.

Puntored UI built with the information in the example above.

Bancolombia

Bancolombia is one of the biggest banks in the country, with thousands of collection points throughout the country where the user can pay their bills using cash.

Capabilities

Bancolombia
Min. amount100 COP
Max. expiration time supported5 days
Notification delayImmediate
RefundsYes
FlowREDIRECT

Request parameters

PropertyTypeDescriptionMandatory?
amountNumberAmount to be charged.Yes
currencyStringCOP

Transaction currency.
Yes
countryStringCO

Transaction country in ISO 3166.
Yes
payment_method_idStringBN

ID of the selected payment method.
Yes
payment_method_flowStringREDIRECTYes
payer.nameStringName of the payer.Yes
payer.emailStringEmail of the payer.Yes
payer.documentNumberDocument of the payer.Yes
order_idNumberID of the capture given by the merchant in their system. Think of it as an external ID of the capture.No
notification_urlStringNotifications will be sent in every change of status of a payment to the notification_url specified by the merchant.No

Examples

{
    "amount": 1000,
    "currency": "COP",
    "country": "CO",
    "payment_method_id": "BN",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "12345678",
        "address": {
            "country": "CO",
            "state": "Antioquia",
            "city": "Medellin",
            "zip_code": "8858",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}
{
    "id": "R-4-9f359a37-621c-423b-b552-6d464fe890dd",
    "amount": 1000,
    "currency": "COP",
    "payment_method_id": "BN",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "CO",
    "created_date": "2023-06-22T17:51:17.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-d58deef7-df79-4b94-96d1-e664b4652881"
}

Example ticket



Bancolombia UI built with the information in the example above.

Bancolombia UI built with the information in the example above.

Nequi

Nequi is a widely used payment method in Colombia that enables people to send and receive money through their mobile phones.

Users need to register for an account with their local mobile number and identification and top up the wallet through several methods such as cash, bank transfer, or between Bancolombia accounts.

Capabilities

Nequi
Min. amount100 COP
Max. expiration time supported45 minutes
Notification delayImmediate
RefundsYes
FlowREDIRECT

UX Flow

Push notification

The screenshots illustrate a generic Nequi push notification redirect flow.

The screenshots illustrate a generic Nequi push notification redirect flow.

Automatic debit

The screenshots illustrate a generic Nequi automatic debit redirect flow.

The screenshots illustrate a generic Nequi automatic debit redirect flow.

Request parameters

payment_method_flowStringREDIRECTYes
payer.nameStringName of the payer.Yes
payer.emailStringEmail of the payer.Yes
payer.documentNumberDocument of the payer.Yes
payer.phoneNumberPhone number of the user.Yes
wallet.nameStringName of the payer's wallet.No
wallet.saveBooleanDetermines whether you want to receive a wallet token for future payments.No
wallet.captureBooleanDetermines if you want to capture the payment funds or not.Yes, for Subscriptions
wallet.verifyBooleanUsed if you want to enroll the wallet and a token.Yes, for Subscriptions
wallet.usernameStringUsername of the payer's wallet account.Yes, for Subscriptions
wallet.emailStringEmail of the payer's wallet account.Yes, for Subscriptions
wallet.tokenStringToken of a previous payment from the same wallet.No
order_idNumberID of the capture given by the merchant in their system. Think of it as an external ID of the capture.No
notification_urlStringNotifications will be sent in every change of status of a payment to the notification_url specified by the merchant.No

Examples

{
    "amount": 1000,
    "currency": "COP",
    "country": "CO",
    "payment_method_id": "QP",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "12345678",
        "address": {
            "country": "CO",
            "state": "Antioquia",
            "city": "Medellin",
            "zip_code": "8858",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "wallet": {
        "name": "Jane Doe",
        "save": true,
        "token": "",
        "capture": false,
        "verify": true,
        "username": "jane_doe",
        "email": "[email protected]",
        "expiration": 60,
        "label": "label",
        "state": "state",
        "recurring_info": {
            "max_amount": 3000
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}
{
    "id": "R-4-9f359a37-621c-6yt5-b552-6d464fe890dd",
    "amount": 1000,
    "currency": "COP",
    "payment_method_id": "QP",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "CO",
    "created_date": "2023-01-17T17:51:17.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
}

Mercado Pago

Mercado Pago is a very popular wallet in several countries in Latin America which allow its users to make one-shot payments; as well as recurring payments just by authorizing the merchant on the enrollment payment.

Capabilities

Mercado Pago
Min. amount100 COP
Max. expiration time supported5 minutes (authentication)
Notification delayImmediate
RefundsYes
FlowDIRECT
REDIRECT

UX Flow

One-shot payment

The screenshots illustrate a Mercado Pago one-shot payment redirect flow. The specifics of the flow may vary depending on the payment method selected to complete the payment.

The screenshots illustrate a Mercado Pago one-shot payment redirect flow. The specifics of the flow may vary depending on the payment method selected to complete the payment.

Tokenized wallet

The screenshots illustrate a Mercado Pago tokenized wallet redirect flow.

The screenshots illustrate a Mercado Pago tokenized wallet redirect flow.

How to process Mercado Pago payments?

Learn how to process with wallets (one-shot payments and wallet tokenization) with dLocal in our Wallets Payment section.