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` code	`currency` code	`document` name	`document` format	`document` required?
`CO`	`COP`	CC	Between 6 to 10 digits	Yes

Cards supported

`payment_method_id`	Brand ID	Name	`payment_method_type`	Details	Allowed Flows
`CARD`	`VI`	Visa	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`VD`	Visa Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`MC`	Mastercard	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`MD`	Mastercard Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`AE`	American Express	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`DC`	Diners	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`CZ`	Codensa	`CARD`	Credit 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_id`	Name	`payment_method_type`	Details	Allowed Flows
`EY`	Efecty	`TICKET`	Cash Payment	`DIRECT` `REDIRECT`
`PC`	PSE	`BANK_TRANSFER`	Bank Transfer Offline	`REDIRECT`
`CR`	Carulla	`TICKET`	Cash Payment	`DIRECT` `REDIRECT`
`PD`	Puntored	`TICKET`	Cash Payment	`REDIRECT`
`BN`	Bancolombia	`TICKET`	Cash Payment	`REDIRECT`
`QP`	Nequi	`WALLET`	Wallet	`REDIRECT`
`MP`	Mercado Pago	`BANK_TRANSFER`	Wallet	`DIRECT` `REDIRECT`

Cards

Capabilities

	Visa Credit	Visa Debit	Mastercard Credit	Mastercard Debit	American Express	Diners	Codensa
Minimum amount	169 COP	169 COP	169 COP	169 COP	100 COP	100 COP	100 COP
Refunds	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Recurring	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Chargeback option	Yes	No	Yes	No	Yes	Yes	Yes
Chargeback Dispute option	Yes	No	Yes	No	Yes	Yes	Yes
Descriptor	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.	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. amount	1000 COP
Max. expiration time supported	5 days
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT` `REDIRECT`

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`COP` Transaction currency.	Yes
`country`	String	`CO` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`EY` ID of the selected payment method.	Yes
`payment_method_flow`	String	`DIRECT` or `REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications 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.

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.

Element	Tip
Ticket Number	It 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 Amount	Should be relevant elements in the ticket. Users need to have that information very clearly.
Currency Symbol	$
Convenio	This identifies the payment beneficiary and although it is not usually necessary for payment, sometimes it helps cashiers to find the payment on their system.
Barcode	Some cashiers prefer to scan the barcode rather than asking for Reference and “Convenio”. Helping cashiers is a way to improve conversion rates.
Expiration date	Display this element clearly and visible enough. In Colombia, the date format is DD/MM/YYYY.
Accreditation delay	Let users know that their payment will be credited immediately. This brings confidence and a sense of security that helps conversion rates.
Payment instructions	Although 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 locator	Link it to google.com/maps/search/efecty/.
Save button	It helps users to have their tickets always on their phones, making it needless to take notes or keep the browser open.
Print button	It 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. amount	1600 COP
Max. expiration time supported	7 days
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic PSE redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`COP` Transaction currency.	Yes
`country`	String	`CO` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`PC` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications 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. amount	100 COP
Max. expiration time supported	5 days
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT` `REDIRECT`

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`COP` Transaction currency.	Yes
`country`	String	`CO` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`CR` ID of the selected payment method.	Yes
`payment_method_flow`	String	`DIRECT` or `REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications 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.

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. amount	100 COP
Max. expiration time supported	5 days
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`COP` Transaction currency.	Yes
`country`	String	`CO` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`PD` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications 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.

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. amount	100 COP
Max. expiration time supported	5 days
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`COP` Transaction currency.	Yes
`country`	String	`CO` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`BN` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications 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.

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. amount	100 COP
Max. expiration time supported	45 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

Push notification

Automatic debit

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`COP` Transaction currency.	Yes
`country`	String	`CO` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`QP` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`payer.phone`	Number	Phone number of the user.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications 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. amount	100 COP
Max. expiration time supported	5 minutes (authentication)
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT` `REDIRECT`

UX Flow

One-shot payment

Tokenized wallet

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.