Wallets · On request
Nequi
Nequi is Colombia's biggest mobile wallet, launched by Bancolombia in 2016 and now a supervised finance company in its own right, with more than 25 million users: the payer enters the Nequi phone number at checkout, gets a request in the app and confirms it, and the provider reports the result at once. There are no chargebacks; refunds go back to the wallet, and payouts reach the same account.
Key facts
- Countries
- Colombia
- Currencies
- COP
- Operations
- Pay-in · Payout · Refund
- Settlement
- instant
- Chargebacks
- not possible
How a payment goes through
- 1The checkout opens the wallet app or shows its button
- 2The payer confirms in the app with a PIN or biometrics
- 3The wallet confirms the payment to the provider within seconds
- 4Webhook to the merchant; a refund goes back the same way
How a payment goes through
- The checkout offers Nequi and asks for the payer’s phone number, or shows a QR code on a desktop.
- The payer receives the request in the Nequi app and confirms the amount.
- The provider reports the confirmation at once.
- Tranzify writes the result and calls the merchant’s webhook.
Nequi against PSE and cards in Colombia
Nequi started inside Bancolombia as a fully digital account and is now a finance company of its own; for a checkout it sits between PSE, the bank-transfer method that needs online banking, and cards.
| Nequi | PSE | Cards | |
|---|---|---|---|
| What the payer needs | the app | online banking | a card enabled online |
| Confirmation | seconds | seconds | at once |
| Chargebacks | none | none | scheme rules |
| Recurring | no | no | yes, with tokens |
The method is in the catalogue on request.
Who uses it
E-commerce and delivery for everyday purchases; digital goods and iGaming for deposits and withdrawals from payers who do not use cards. A client (a payment company) enables dLocal or EBANX for Nequi under its own contract; the integration is enabled on request.
How to connect
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Providers offering this method
On request — Request this integration
Industries
Frequently asked questions
Who can pay with Nequi?+
Are there chargebacks?+
Are payouts possible?+
Related methods
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