Market specifications

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

Country reference

`country` code	`currency` code	`amount` decimals	`document_type` name	`document_id` format
`UY`	`UYU`	2	CI or RUT	Between 6 to 8 digits or 12 digits

Document validations

Validation	Name	Length	Type	Verification digit	Example
Document	CI	8	Numeric	Last digit	8.741.777-1 87417771
Document	RUT	12	Numeric	Last digit	21-100342-001-7 211003420017
Document	DE	-	Numeric	-	33475876
Document	PASS	-	Alphanumeric	-	NNFE4379

Mandatory parameters

Bank transfers

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

Payment methods

Uruguay 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 Uruguay require detailed account information, including document ID, document type, bank code, bank branch, bank account number, account type, and amount. 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), `P2P` (Person to Person) or `PSP` (Payment Service Provider).
`purpose`	Payout purpose code. See purpose codes reference.
`country`	Country code. For Uruguay, use `UY`.
`amount`	Payout amount in `UYU`. Use up to 2 decimal places.
`currency`	Source currency of the FX operation. For Uruguay, use `UYU` or `USD`. Payouts are always paid in local currency to the beneficiary, unless specified otherwise at `currency_to_pay`
`currency_to_pay`	Currency in which the payout should be paid. For Uruguay, use `UYU` or `USD`.
`beneficiary.first_name`	Beneficiary's first name. Maximum 50 characters.
`beneficiary.last_name`	Beneficiary's last name. Maximum 50 characters.
`beneficiary.document.id`	Beneficiary's document ID or number. See document validations below.
`beneficiary.document.type`	Document type: Only mandatory when document type is `RUT`, `DE` (Documento Extranjero) or `PASS` (Passport).
`beneficiary.bank_account.code`	Beneficiary's bank code. See bank codes below.
`beneficiary.bank_account.branch`	Beneficiary's bank branch. Mandatory only if the bank is Santander.
`beneficiary.bank_account.account`	Beneficiary's bank account number. Format and prefixes vary by bank. See bank account validations below.
`beneficiary.bank_account.type`	Beneficiary's bank account type. Only mandatory if bank is BROU. Account type: `CHECKING` for Checking accounts, `SAVINGS` for Savings accounts.
`currency_to_pay`	Currency to be paid out. `USD`. Mandatory only if the payout needs to be paid in USD. In case this parameter is missing, the payout will be paid in local currency.
`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.country`	Remitter's country. ISO 3166-1 alpha-2 code. 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: `RUT`, `CI`, `PASS`. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "1234567812345678c",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "UY",
  "currency": "UYU",
  "amount": 114.39,
  "beneficiary": {
    "first_name": "Juan",
    "last_name": "Martin",
    "document": {
      "type": "CI",
      "id": "87417771"
    },
    "bank_account": {
      "code": "113",
      "branch": "11",
      "account": "1234567",
      "type": "CHECKING"
    }
  }
}

{
    "external_id": "1234567812345678c",
    "payment_method_id": "BANK_TRANSFER",
    "flow_type": "P2P",
    "purpose": "REMITTANCES",
    "country": "UY",
    "currency": "UYU",
    "amount": 114.39,
    "beneficiary": {
        "first_name": "Maria",
        "last_name": "Clara",
        "document": {
            "type": "CI",
            "id": "87417771"
        },
        "bank_account": {
            "code": "113",
            "branch": "11",
            "account": "1234567",
            "type": "CHECKING"
        }
    },
    "remitter": {
        "first_name": "Juan",
        "last_name": "Perez",
        "document": {
            "type": "CI",
            "id": "87417771"
        },
        "address": {
            "country": "AR"
        }
    }
}

{
  "external_id": "1234567812345678d",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2B",
  "purpose": "CAPITAL_CONTRIBUTION",
  "country": "UY",
  "currency": "USD",
  "currency_to_pay": "USD",
  "amount": 11594.39,
  "beneficiary": {
    "first_name": "EMPRESA",
    "last_name": "INTERNACIONAL",
    "document": {
      "type": "RUT",
      "id": "123456789011"
    },
    "bank_account": {
      "code": "137",
      "branch": "11",
      "account": "012345678901",
      "type": "CHECKING"
    }
  }
}

Bank information

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

Bank account validations

Name	Account format	Length	Details	Example
BROU	YYYYYYYYYWWWWW	14	Y -> Account number (9 digits) W -> Sub-account number (5 digits)	00099299700002
BHU	XXXYYZZZZZZV	12	X -> Branch code (3 digits, starts with 0) Y-> Product number (2 digits) Z -> Account number (6 digits, filled with 0s on the left) V -> Verification digit (1 digit)	012345678901
Citibank	XXXXXXXXXZ	10	The account number must be 10 characters long, with leading zeros. Account starts with 0, 1, or 5. Z = Verification digit	0061436006
Itau	XXXXXXZ	7	Account number (6 digits) Z = Verification digit (1 digit)	3190373
Scotiabank	CCCCCCCZII	10	C -> Client number (7 digits, with leading zeros) Z = Verification digit (1 digit) I -> Account ID (2 digits)	1274204300
Santander	XXXXXXXXXXXX	12	Account number (12 digits, with leading zeros)	012345678901
Nacion	XXXXXXXXXXXX	12	The account number must be a maximum of 12 characters.	001234568901
BBVA	XXXXXXXXX	max 9	The account number must be a maximum of 9 digits. Do not fill with 0s. No spaces or non-numeric characters.	20237345 674501433
HSBC	Between XXXX and XXXXXXXXXX	4 to 10	The account number must be 4 to 10 characters long Do not fill with 0s.	0003237999
Heritage	XXXXXXXYY	9	X -> Account number (7 digits, with leading zeros) Y -> Sub-account number (2 digits)	0003237999
Prex	xxxxxxxx	8	The account number must be a maximum of 8 characters long. Do not fill with 0s. No spaces or non-numeric characters.	11013892
Mi Dinero	XXXXXXXX	6 to 11	The account number must be 6 to 11 characters long.	3259658
OCA Blue	XXXXXXZ	7	Account number (7 characters, with leading zeros) X -> Account number (6 digits, with leading zeros) Z -> Verification digit (1 digit)	7328013

Bank codes

Check below the different values that bank_code parameter can take depending on each country's bank requirements.

Bank Name	Bank Code	Support UYU currency	Support USD currency
Banco Bilbao Vizcaya Argentaria	153
Banco de la Nación Argentina	246
Banco Hipotecario del Uruguay	091
Banco ITAU	113
Banco Santander	137
Banque Heritage	162
Bapro	61
BROU - Banco de la República Oriental del Uruguay	001
Citibank N.A. Sucursal	205
HSBC Bank	157
Mi Dinero	917
Oca Blue	999
Prex	603
Redpagos	624
Scotiabank	128