Cash & vouchers · On request
PagoEfectivo
PagoEfectivo is Peru's payment-code method: the checkout issues a CIP, a numeric payment code with the amount and an expiry date, and the payer pays it where it suits them, in cash at a bank agent or branch, in online banking as a bill payment to PagoEfectivo, or at an ATM. The provider confirms once the payment is reported, within minutes from online banking and within hours from a cash point; there are no chargebacks, and the payer needs no card.
Key facts
- Countries
- Peru
- Currencies
- PEN
- Operations
- Pay-in
- Settlement
- T+1
- Chargebacks
- not possible
How a payment goes through
- 1The checkout issues a voucher or slip with a code
- 2The payer pays it at a bank, shop, kiosk or in an app
- 3The provider confirms the payment, usually within a business day
- 4Webhook to the merchant; expired vouchers are cancelled
How a payment goes through
- The checkout issues a CIP code with the amount, the expiry date and the places to pay.
- The payer pays the code at a bank agent, in online banking or at an ATM.
- The bank reports the payment and the provider confirms: minutes from online banking, hours from a cash point.
- Tranzify writes the result and calls the merchant’s webhook.
PagoEfectivo against Yape and cards in Peru
PagoEfectivo has been part of Peruvian e-commerce since 2009; it suits payers who pay in cash or want the order in hand before paying, while Yape and cards close the order on the page.
| PagoEfectivo | Yape | Cards | |
|---|---|---|---|
| What the payer needs | the code and cash or online banking | the app | a card accepted by the acquirer |
| Confirmation | minutes to hours, when paid | seconds | at once |
| Chargebacks | none | none | scheme rules |
| Refunds | not in the flow | through the provider | scheme refunds |
| Recurring | no | no | yes, with tokens |
The method is in the catalogue on request.
Who uses it
E-commerce for orders with time to pay, education for tuition, travel for bookings, digital goods for cash deposits. A client (a payment company) enables dLocal or EBANX for PagoEfectivo 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
Terms
Frequently asked questions
Where can a CIP be paid?+
How fast is the payment confirmed?+
Are refunds possible?+
Related methods
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- ✓ Not a financial institution
- ✓ Money never passes through us
- ✓ Built to PCI DSS requirements