PSE

PSE (short for “pago seguro electronico”) is a bank transfer payment solution used in Colombia. PSE is an interface payment method which allows users to pay directly from their bank account in real time and without a credit card.

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:

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The below parameters are mandatory for PSE

• 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. COP.
• 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 - pse.
• nationalid: Consumer’s national id, has to satisfy the following regular expression: NIT: 10 digits, CC: 6~10 digits.
• nationaltype: User's identification type NIT or CC
  You can see a full list of parameters in Pre-Authorization.
• phone: max. 20 characters, only numbers.
• bank_id: Bank ID

Please find below Bank ID values:

Step 2. Handle the redirect

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

Response

transactionid=105353928&transid=105353928&status=2000&errormessage=pending&errmsg=pending&amount=1.23&
price=1.23&currency=COP&orderid=Payabl-Test&redirect_url=https://secure.payty.com/t/gaf1x7fu&user_id=787896

Step 3. Transaction states

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

Notification example (successful transaction):

orderid=Payabl-Test&errorcode=0&security=e76fac903aabf3a9f2233c910caf52935b0c7744c6466ae49ef6a6da5435f29b&
payment_method=130&errormessage=&payment_state=credited&timestamp=1693294206&transactionid=105353928&type=capture

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

Notification example with error:

transactionid=105353943&transid=105353943&status=-66182&errormessage=Wrong national ID&errmsg=Wrong national ID&
amount=1.23&price=1.23&currency=COP&orderid=Payabl-Test&user_id=787896&error_codes=&error_messages=