Market specifications

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

Country reference

`country` code	`currency` code	`amount` decimals	`beneficiary.document.type` name	`beneficiary.document.id` format
`PE`	`PEN`	2	DNI or RUC	Between 8 to 9 digits for DNI and 11 digits for RUC.

Document validations

Validation	Name	Length	Verification digit
`beneficiary.document.id`	DNI	8 numeric characters or 9 alphanumeric characters.	Last digit
`beneficiary.document.id`	RUC	11 numeric	Last digit
`beneficiary.document.id`	CE	Between 4 and 12 alphanumeric characters.	-
`beneficiary.document.id`	PASS	Between 4 and 12 alphanumeric characters.	-
`remitter.document.id`	ID	Between 4 and 45 alphanumeric characters.	-
`remitter.document.id`	PASS	Between 4 and 45 alphanumeric characters.	-

Mandatory parameters

Bank transfers

Bank transfer parameters	B2C	B2B	USD accounts	P2P
`external_id`	Yes	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes	Yes
`country`	Yes	Yes	Yes	Yes
`amount`	Yes	Yes	Yes	Yes
`currency`	Yes	Yes	Yes	Yes
`currency_to_pay`	-	-	Yes	-
`beneficiary.first_name`	Yes	Yes	Yes	Yes
`beneficiary.last_name`	Yes	Yes	Yes	Yes
`beneficiary.document.id`	Yes	Yes	Yes	Yes
`beneficiary.document.type`	Yes	Yes	Yes	Yes
`beneficiary.address.street`	Yes	Yes	Yes	Yes
`beneficiary.bank_account.account`	Yes	Yes	Yes	Yes
`beneficiary.bank_account.type`	Yes	Yes	Yes	Yes
`beneficiary.bank_account.code`	Yes	Yes	Yes	Yes
`remitter.first_name`	-	-	-	Yes
`remitter.last_name`	-	-	-	Yes
`remitter.document.id`	-	-	-	Yes
`remitter.document.type`	-	-	-	Yes
`remitter.nationality`	-	-	-	Yes
`remitter.address.street`	-	-	-	Yes
`remitter.address.postal_code`	-	-	-	Yes

Payment methods

Peru supports payouts via Bank transfers. This method requires specific parameters and follows validation rules aligned with local compliance and banking standards.

Bank transfers

Bank transfers in Peru require detailed account information, including document ID, document type, bank account (CCI), account type, and currency. The format of these fields depends on the receiving bank, and strict validation rules apply.

Refer to the document validations, bank account validations and bank codes sections for format specifications.

Mandatory parameters

All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.

Mandatory parameter	Description
`external_id`	Payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method. For bank transfers, use `BANK_TRANSFER`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).
`purpose`	Payout purpose code. See purpose codes reference.
`country`	Country code. For Peru, use `PE`.
`amount`	Payout amount (in the currency set in the `currency` field). Use up to 2 decimal numbers.
`currency`	Payout currency. For Peru, use `PEN` or `USD`.
`currency_to_pay`	Currency to be paid out. `USD`. Mandatory only if the payout needs to be paid in USD. If this parameter is missing, the payout will be paid in the local currency.
`beneficiary.first_name`	Beneficiary's first name. Maximum 50 characters.
`beneficiary.last_name`	Beneficiary's last name. Only applies when the beneficiary is an individual. Maximum 50 characters.
`beneficiary.document.id`	Beneficiary's document ID or number. See document validations.
`beneficiary.document.type`	Beneficiary's document type. Document type: `DNI`, `RUC`, `CE` (Carnet Extranjeria), `PASS` (Passport). See document validations.
`beneficiary.address.street`	Remitter's address street. Maximum 200 characters. Mandatory only for remittance (P2P).
`beneficiary.address.city`	Remitter's address city. Maximum 40 characters. Mandatory only for remittance (P2P).
`beneficiary.address.postal_code`	Remitter's address postal code. Maximum 20 characters. Mandatory only for remittance (P2P).
`beneficiary.bank_account.account`	Beneficiary's bank account.. See bank account validations below.
`beneficiary.bank_account.type`	Beneficiary's bank account type. Account type: `CHECKING` for Checking accounts, `SAVINGS` for Savings accounts, `MAESTRA` for Maestra accounts.
`beneficiary.bank_account.code`	Beneficiary's bank account code. See bank codes below.
`remitter.first_name`	Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.document.id`	Remitter's document. Maximum 45 characters. Mandatory only for remittance (P2P).
`remitter.document.type`	Remitter's document type: `ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P).
`remitter.nationality`	Remitter's nationality. ISO 3166-1 alpha-2 code. Mandatory only for remittance (P2P).
`remitter.address.street`	Remitter's address street. Maximum 200 characters. Mandatory only for remittance (P2P).
`remitter.address.postal_code`	Remitter's address postal code. Maximum 20 characters. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "1234567812345678b",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "PE",
  "amount": "245.40",
  "currency": "PEN",
  "notification_url": "https://thisisawebsite.net/payments",
  "beneficiary": {
    "first_name": "JUANA",
    "last_name": "PEREZ",
    "document": {
      "type": "DNI",
      "id": "12345678"
    },
    "address": {
      "street": "Av. La Molina 123",
      "city": "Lima",
      "postal_code": "15023"
    },
    "bank_account": {
      "code": "002",
      "account": "00219300247595201411",
      "type": "SAVINGS"
    }
  }
}

{
  "external_id": "p2p-transfer-12345678",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "PE",
  "amount": "500.00",
  "currency": "PEN",
  "notification_url": "https://thisisawebsite.net/payments",
  "beneficiary": {
    "first_name": "JUANA",
    "last_name": "PEREZ",
    "document": {
      "type": "DNI",
      "id": "12345678"
    },
    "address": {
      "street": "Av. La Molina 123",
      "city": "Lima",
      "postal_code": "15023"
    },
    "bank_account": {
      "code": "002",
      "account": "00219300247595201411",
      "type": "SAVINGS"
    }
  },
  "remitter": {
    "first_name": "JOHN",
    "last_name": "DOE",
    "document": {
      "type": "PASS",
      "id": "AB123456"
    },
    "nationality": "US",
    "birth_info": {
      "date": "1980-01-01"
    },
    "address": {
      "street": "123 Main St",
      "city": "New York",
      "postal_code": "10001"
    }
  }
}

Bank information

Access the reference formats and accepted values required for processing bank payouts in Peru.

Bank account validations

Validation	Name	Length	Type	Verification digit
beneficiary.bank_account.account	CCI	20	Numeric	First 3 digits will be the bank code and the last 2 apply verification algorithm

Bank codes

Check below the different values that beneficiary.bank_account.code parameter can take in Peru.

Bank Name	Bank Code	Support PEN currency	Support USD currency
Banco Central de Reserva	001
Banco de Comercio	023
Banco de Crédito del Perú	002
Banco de la Nación	018
Banco del Pichincha	010
Banco Falabella	054
Banco Financiero	035
Banco GNB Perú S.A.	053
Banco Interamericano de Finanzas (BIF)	038
Banco Ripley	055
BBVA Continental	011
Caja Metropolitana de Lima	800
Caja Municipal de Ahorro y Crédito Arequipa	803
Caja Municipal de Ahorro y Crédito Cuzco	806
Caja Municipal de Ahorro y Crédito Huancayo	808
Caja Municipal de Ahorro y Crédito Piura SAC	801
Caja Municipal de Ahorro y Crédito Tacna	813
Citibank	007
Crediscotia Financiera	043
Interbank	003
Mi Banco	049
Santander	056
Scotiabank	009