Peru Bank Transfer

Step 1. Make a transaction request

From your server, make a POST /payment_preauthorize request.

https://sandbox.payabl.com/pay/backoffice/payment_preauthorize

Include in the request parameters below:

🚧

The below parameters are mandatory for SPEI.

• merchantid: The merchant identification number.
• orderid: The field orderid is optional and exclusively for the merchant's convenience.
• amount: The amount field contains the transaction’s total amount. This is the amount that will be transmitted to the authorizing system.
• currency: The currency field contains the alphanumeric currency code for the transaction, according to ISO 4217, e.g. PEN.
• payment_method: The payment method id - 130 (or 126 if instructed by tech support).
• signature: The signature field contains a 40-figure hexadecimal value. This signature value is a checksum designed to protect the merchant account from unauthorized access.
• email: The customer's email address.
• custom2: The name of payment method - banktransfer.
• nationalid: Consumer’s national id, has to satisfy the following regular expression: DNI: 8 digits, RUC: 11 digits.
• nationaltype: User's identification type RFC or CURP.
  You can see a full list of parameters in Pre-Authorization.

Request example

/pay/backoffice/payment_preauthorize&merchantid=gateway_test&amount=12.01&currency=PEN&orderid=Payabl-Test&
language=en&gender=&lastname=Mann&street=Office+11A,+Swepco+Court,+Griva+Digeni+80&zip=60322
&city=Frankfurt&country=DEU&customerid=&salutation=&title=&firstname=Muster&company=&birthday=&house=&
postbox=&state=&[email protected]&phone=&fax=&mobile=&customerip=&custom1=&custom2=Cash&custom3=&
url_return=http://dev-sim-ng.inatec.local/~simdad/InatecResponse/redirect_response.php&url_success=
http://dev-sim-ng.inatec.local/~simdad/InatecResponse/success.php&url_failed=http://dev-sim-ng.inatec.
local/~simdad/InatecResponse/failed.php&notification_url=https://api.powercash.de/simulation/billing_
response.php&payment_method=130&nationaltype=RUC&nationalid=50284414727&subject=test+subject&
content=test+content&signature=32d2663f0b0d22e4721915c272a89d6ae87c95f6

Step 2. Handle the redirect

To complete the payment, you need to redirect the customer to the correct URL in the response.

Response

transactionid=105352879&transid=105352879&status=2000&errormessage=pending&errmsg=pending&amount=1.23&
price=1.23&currency=PEN&orderid=Payabl-Test&redirect_url=https://cert-gateway.kashio.net/e/index.html?
token=59hfczaetyPHUh8XCmUYdx&user_id=787437

Step 3. Transaction states

If the customer successfully completed the transaction, you will receive a notification with confirmation.

Notification example (successful transaction):

timestamp=1693233005&errorcode=0&errormessage=&transactionid=105352879&type=capture&payment_method=130&
payment_state=credited&orderid=Payabl-Test&security=8676790a274530ae67ccab8a251301718199eaf85c37f642ed12cf037a5c39a0

If the customer initiated the transaction but didn't finalize it, you will receive a failed notification.

Notification example with error:

type=order&transactionid=105352913&orderid=Payabl-Test&timestamp=1693233348&errormessage=Wrong+national+ID
&security=0fdfd0991c1bcd7c14a09af0b46ae7aee1c4c31be68b4a0265f422976353d380&errorcode=-66182

Payouts

The method allows merchants to send funds to a bank account via wire transfer. In order for this to be done, the merchant needs to submit the bank details of the customer.

Include in a request:

• currency: "PEN"
• account: Customer's bank account
• document_id: Customer's id
• document_type: Customer's identification type, should be one of DNI, RUC, PAS, CE.
• bankcountry:(PER)
• bank_code: bank code, see below
• method: banktransfer
• account_type: Should be one of CHECKING, SAVINGS
• region: see regions below

Request string:

POST https://sandbox.payabl.com/pay/backoffice/payment_cft

merchantid=test_merchant&amount=1.23&currency=MXN&orderid=Inatec-Test&language=en&lastname=Mann&
street=An+der+Welle+4&zip=60322&city=Frankfurt&country=DEU&firstname=Muster&state=HE&email=test%
40inatec.com&custom1=&custom2=&custom3=&payment_method=130&document_id=50284414727&document_type=CC&
method=TRANSFIYA&bankcountry=COL&additional_remark=transfer+money&account_type=PHONE&account=5701234
5678910&signature=ff09cfa3b2e01e746ddbf19fbab08b30e31ab313

1. Response:

transactionid=215456949&transid=215456949&status=2000&errormessage=pending&errmsg=pending&amount=100&
price=100&currency=MXN&orderid=Payabl-Test&payment_method=130

1.1 Error

transactionid=215457170&transid=215457170&status=4001103&errormessage=method%20or%20channel%20is%20
inactive&errmsg=method%20or%20channel%20is%20inactive&amount=2&price=2&currency=MXN&orderid=Payabl-Test&
payment_method=130

1.2 Pending

"transactionid=215437556&transid=215437556&status=2000&errormessage=pending&errmsg=pending&amount=1230&price=1230&currency=MXN&orderid=Inatec-Test&payment_method=126""

2. Notification:

2.1 Notification example with Error:

errormessage=&bank_code=001&method=BANKTRANSFER&account_holder=Muster+Mann&orderid=Payabl-Test&
errorcode=0&transactionid=215456949&timestamp=1689150492&bank_country=BRA&security=b67f198da9d3
10b956405ff879d098a2e0f8a1728a5ddad6b0e9c4ce3edc9dae&payment_method=130&type=cft

2.2Notification example with Success

errorcode=-5002&method=BANKTRANSFER&account_holder=Muster+Mann&security=389ff24d11207156c43bfc7e9ebc89
3e12726dda4f5a0aaa27544a8c4c986e7c&payment_method=130&bank_country=BRA&errormessage=rejected+by+bank&
orderid=Payabl-Test&type=cft&timestamp=1689154433&bank_code=001&transactionid=215456961

Banks in Peru

Account number

Regions

• Amazonas
• Ancash
• Apurímac
• Arequipa
• Ayacucho
• Cajamarca
• Callao
• Cusco
• Huancavelica
• Huánuco
• Ica
• Junín
• La Libertad
• Lambayeque
• Lima
• Loreto
• Madre de Dios
• Moquegua
• Pasco
• Piura
• Puno
• San Martín
• Tacna
• Tumbes
• Ucayali