PagoEfectivo is a popular Peruvian payment method that allows consumers to check out with a unique code instead of a credit or debit card. Customers can pay with online banking or in person at one of over 45,000 physical locations that partner with the PagoEfectivo service. It is an alternative payment available to anyone who wants to make online payments without credit or debit cards.

We support BBVA Continental, Interbank, and BCP, and regularly add support for new banks.

PagoEfectivo payment flow

PagoEfectivo utilizes a Payment Identification Code ("Código de identificación de pago," or "CIP") that allows users to pay at one of the over 45,000 affiliated payment centers nationwide. The payment center automatically notifies the PagoEfectivo system when the payment is made. At the same time, PagoEfectivo notifies the affiliated supplier that the payment has been made satisfactorily.

Transaction stages

When the client decides to pay with PagoEfectivo, a CIP is created with a status of 'Pending payment'. The CIP created changes to the Canceled status only when the client pays the CIP through one of the Pago Efectivo-authorized centers (Banco de Credito del Perú, BBVA Banco Continental, Banco Scotiabank, Banco Interbank, Banco Banbif, Western Union Services Payment, FullCarga, and Kasnet).

When a CIP is created, it has an expiration date. If the CIP has not yet been paid and the expiration date passes, the CIP enters the state Expired. A supplier may cancel or delete the CIP, preventing a user from paying. In this case, the CIP status will move to "Deleted."

The interaction for a user is similar to that of Boleto. For reference, to direct a customer to pay with their PagoEfectivo account:

1. Visit any participating online supplier and shop for any product or service
2. When ready to pay, choose the PagoEfectivo Account checkout option.
3. On the PagoEfectivo Account checkout window, enter your login information and the payment amount to complete your payment.

Examples and implementation

Here's a quick run-through of how PagoEfectivo might look in a checkout process:

Below is an example of PagoEfectivo checkout.

Properties

Technical considerations

See the following example below.

{
  "MerchantId": "e78e8cd0-24b8-4b0c-a922-87a1d8cc61c3",
  "ReferenceId": "1540602245123",
  "PaymentMethod": "PAGOEFECTIVO",
  "ConsumerCurrency": "PEN",
  "Capture": true,
  "Items": [
    {
      "Description": "Piston Ring",
      "ConsumerPrice": 100,
      "Quantity": 1,
      "Sku": "4383471583721"
    }
  ],
  "Consumer": {
    "Name": "Jane Doe",
    "Email": "[email protected]",
    "Phone": "1234567890",
    "Address": "123 Any Street",
    "City": "Somewhere",
    "Region": "14",
    "PostalCode": "12345",
    "Country": "PE",
    "NationalIdentifier": "12345678"
  },
  "DeviceFingerprint": "a5772185-1c9a-4646-9772-557fc6083ea2",
  "Return": "https://checkout-sandbox.gointerpay.net/return.php"
}

{
  "OrderId": "08375677-216c-4cb4-b789-271746b849a5",
  "UnderReview": false,
  "Expiry": "2018-11-02T01:02:34Z",
  "Authorized": false,
  "Completed": false,
  "Captured": false,
  "Action": {
    "Redirect": "https://sandbox.gointerpay.net/auth/d4ce3437-c93c-4ea1-bb51-de0329fefecc"
  }
}

Testing

Ask your technical onboarding manager for details about testing this payment method.