Bank transfers & instant payments · On request
PSE (Colombia)
PSE (Pagos Seguros en Línea) is the online bank-transfer system of ACH Colombia: the checkout lists the banks, the payer logs in to their own bank, confirms the amount, and the merchant receives the confirmation at once. There is no card and no chargeback, which makes PSE the first method for Colombian payers whose cards decline or who have none.
Key facts
- Countries
- Colombia
- Currencies
- COP
- Operations
- Pay-in
- Settlement
- instant
- Chargebacks
- not possible
How a payment goes through
- 1The checkout shows the account details, the amount and a reference
- 2The payer sends the transfer from their banking app
- 3The provider matches the incoming transfer by reference and amount
- 4Webhook to the merchant; unmatched transfers are refunded
How a payment goes through
- The checkout offers PSE and shows the list of banks; the payer picks theirs.
- The payer is redirected to the bank, authenticates and confirms the amount and the payee.
- The provider receives the bank’s confirmation and reports the result.
- Tranzify writes the result and calls the merchant’s webhook; the payer returns to the merchant.
PSE against cards in Colombia
| PSE | Cards | |
|---|---|---|
| What the payer needs | a bank account | a card accepted by the acquirer |
| Confirmation | at once | at once |
| Chargebacks | none | scheme rules |
| Recurring | no | yes, with tokens |
Who uses it
E-commerce for payers without cards; iGaming, forex and crypto on-ramps for deposits that cards decline; education for tuition payments from a bank account. A client enables dLocal or EBANX for PSE under its own contract; the integrations are 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
Industries
Frequently asked questions
Does the payer need a card?+
Can a PSE payment be charged back?+
Can PSE be used for payouts?+
Related methods
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