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Payretailers

Introducción​

Payretailers es un servicio donde el usuario recibe una referencia que le permite realizar un pago mediante PSE, EFECTY, PAGO_FACIL. También permite pay-outs. Puede ser utilizado tanto en el checkout de Paylands como mediante redirección.

Restricciones y requisitos​

Actualmente solo soporta las monedas: USD, ARS, COP, PEN.

Datos extra requeridos​

Al generar la orden de pago se deben enviar estos campos para los pagos via checkout y redirección:

  • Profile: first_name, last_name, email, document_identification_number, phone
  • Billing_address: city, country, zip_code, address1

Para los payouts:

  • Profile: first_name, last_name, email, document_identification_number, phone
  • Billing_address: city, country, zip_code, address1
  • Payment: bank_name, recipient_pix_key, account_agency_number, awa_swift

Ejemplo:

"extra_data": {
    "checkout": {
        "uuid": "C42043F9-B77C-4918-BD43-86C526B4F24D"
    },
    "profile": {
        "first_name": "John",
        "last_name": "Doe",
        "email": "johndoe@gmail.com",
        "document_identification_number": "92309089",
        "phone": {
            "number": "02614235138",
            "prefix": "54"
        }
    },
    "billing_address": {
        "city": "Castellon",
        "country": "COL",
        "address1": "Avinguda del Mar 23",
        "zip_code": "12000",
        "state_code": "CT"
    },
    "payment": {
        "bank_name": "Banco do Brasil S.A.",
        "recipient_pix_key": "111111111",
        "account_agency_number": "001",
        "awa_swift": "1234"
    }
}

PSE y Efecty​

Para hacer un pago con los apms de PSE y EFECTY, podemos optar por dos flujos, tanto redirección como checkout. Ambos métodos están aceptados únicamente en Colombia, por lo que el country deberá ser 'COL' y usando la moneda de pesos colombianos (COP) o USD.

Ejemplo:

"extra_data": {
    "checkout": {
        "uuid": "C42043F9-B77C-4918-BD43-86C526B4F24D"
    },
    "profile": {
        "first_name": "John",
        "last_name": "Doe",
        "email": "johndoe@gmail.com",
        "document_identification_number": "92309089",
        "phone": {
            "number": "02614235138",
            "prefix": "54"
        }
    },
    "billing_address": {
        "city": "Castellon",
        "country": "COL",
        "address1": "Avinguda del Mar 23",
        "zip_code": "12000",
        "state_code": "CT"
    }
}

Pago Fácil​

Para hacer un pago con el apm de Pago Fácil, podemos optar por dos flujos, tanto redirección como checkout. Este método está aceptado únicamente en Argentina, por lo tanto el country deberá ser 'ARG' y usando la moneda de pesos argentinos (ARS) o USD.

Ejemplo:

"extra_data": {
    "checkout": {
        "uuid": "C42043F9-B77C-4918-BD43-86C526B4F24D"
    },
    "profile": {
        "first_name": "John",
        "last_name": "Doe",
        "email": "johndoe@gmail.com",
        "document_identification_number": "92309089",
        "phone": {
            "number": "02614235138",
            "prefix": "54"
        }
    },
    "billing_address": {
        "city": "Castellon",
        "country": "ARG",
        "address1": "Avinguda del Mar 23",
        "zip_code": "12000",
        "state_code": "CT"
    }
}

Pago Khipu​

Para hacer un pago con el apm de Khipu, podemos optar por dos flujos, tanto redirección como checkout. Este método está aceptado únicamente en Argentina y Perú, por lo tanto el country deberá ser ['ARG', 'PER'] y usando la moneda de pesos argentinos (ARS), soles peruanos (PEN) o USD. Actualmente en nuestro entorno sandbox, solo se puede probar para Perú.

Ejemplo:

"extra_data": {
    "checkout": {
        "uuid": "C42043F9-B77C-4918-BD43-86C526B4F24D"
    },
    "profile": {
        "first_name": "John",
        "last_name": "Doe",
        "email": "johndoe@gmail.com",
        "document_identification_number": "92309089",
        "phone": {
            "number": "02614235138",
            "prefix": "54"
        }
    },
    "billing_address": {
        "city": "Castellon",
        "country": "PER",
        "address1": "Avinguda del Mar 23",
        "zip_code": "12000",
        "state_code": "CT"
    }
}

Limites para las transacciones

Con esta tabla reflejamos los limites por tipo de comercio, usuario y pais:

PaisLímite de efectivo por usuario y díaLímite de efectivo por usuario y mesLímite en línea por usuario y díaLímite en línea por usuario y mesCredit Card limit per user per dayCredit Card limit per user per month
Ecuador2.000 USD30.000 USD35.000 USD80.000 USDNo disponibleNo disponible
Perú2.000 USD30.000 USD35.000 USD80.000 USDNo disponibleNo disponible
México2.000 USD30.000 USD35.000 USD80.000 USDNo disponibleNo disponible
Panamá2.000 USD30.000 USD35.000 USD80.000 USDNo disponibleNo disponible
El Salvador2.000 USD30.000 USD35.000 USD80.000 USDNo disponibleNo disponible
Nicaragua2.000 USD30.000 USD35.000 USD80.000 USDNo disponibleNo disponible
Costa Rica2.000 USD30.000 USD35.000 USD80.000 USD2.500 USD7.000 USD
Chile2.000 USD30.000 USD35.000 USD80.000 USD35.000 USD80.000 USD
Brasil10.000 USD30.000 USD35.000 USD80.000 USDNo disponibleNo disponible
Guatemala2.000 USD8.000 USDNo disponibleNo disponibleNo disponibleNo disponible
Colombia10.000 USD30.000 USD35.000 USD80.000 USD2.500 USD7.000 USD
Argentina10.000 USD30.000 USD35.000 USD80.000 USD2.500 USD7.000 USD

Limites para los payouts

Con esta tabla reflejamos los limites por tipo de comercio, usuario y pais:

PaisLímite por díaLímite por semanaLímite por mesLímite por añoLimite por transacción
Brasil10.000 USD70.000 BRL150.000,00 BRLNo hayNo hay
Argentina5.000 USDNo hay20.000 USDNo hayNo hay
México5.000 USDNo hay20.000 USDNo hayNo hay
Chile5.000 USDNo hay20.000 USDNo hayNo hay
Colombia5.000 USDNo hay20.000 USDNo hay10.000.000 COP
Perú3.500 USDNo hay7.000 USD84.000 USDNo hay
Ecuador3.500 USDNo hay7.000 USD84.000 USDNo hay

Errores de transacciones

Con esta tabla reflejamos posibles errores que puedan surgir en el processo del pago:

Mensaje de errorSignificado
PAYMENT_METHOD_NOT_ALLOWEDThe payment method ID used in the request is not active or enabled, and cannot be used.
PAYMENT_PSP_ERRORGeneric error message received from the PSP, normally originated from a timeout on the PSP side in high traffic instances.
PERSONAL_ID_VALIDATION_FAILEDThe PersonalID doesn't exist or belongs to a minor, deceased individuals or PEP and associates. Also the payment will be blocked if the PersonalID is related to any international lists of money laundering and/or terrorist financing.
TRANSACTION_INVALID_FIELD_LANGUAGEThe "Language" field of the request contains an invalid language value.
TRANSACTION_INVALID_FIELD_CURRENCYThe "Currency" field contains an unsupported or invalid currency value.
TRANSACTION_INVALID_FIELD_COUNTRYThe "Country" field contains an unsupported or invalid country value.
TRANSACTION_INVALID_EMAILThe "Email" field contains an invalid value(normally due to email syntax).
TRANSACTION_INVALID_CPF(Brazil only) the "personalID" field contains an invalid value.
TRANSACTION_MIN_AMOUNTThe “Amount” field contains a value that is below the minimum limit for the requested payment method.
TRANSACTION_MAX_AMOUNTThe “Amount” field contains a value that exceeds the maximum limit for the requested payment method.
INVALID_AMOUNTThe value sent for “amount” is not an integer.
TRANSACTION_REQUIRED_COUNTRYThe "Country" parameter is empty.
TRANSACTION_REQUIRED_CURRENCYThe "Currency" parameter is empty.
TRANSACTION_BLOCKED BY_CUSTOMER_LIMIT_RULEThe daily/monthly limit of transaction attempts for this customer has been reached, and no transactions can be generated for the customer until the next day/week/month.
CUSTOMER_COMPLIANCE_VALIDATION_FAILED(Brazil only) the "personalID" field contains a non-existent CPF.
MERCHANT_COMPLIANCE VALIDATION_ERRORIf one of your users is blocked with this error message please expose your case on our Freshdesk.
PAYMENT_PSP_ERRORGeneric error message received from the payment partner PSP, usually comes from a timeout on PSP’s side in high traffic instances.
TRANSACTION_CREATION_ERRORThe payment method used in the request is not active and cannot be used. Shop credentials have been disabled.
PAYMENT_AMOUNT_NOT_EQUALThe paid amount differs from the original amount or QR amount.
PAYER_CPF_NOT_EQUALThe payer's document number(CPF) does not match the buyer's document number.
CORPORATE_BANK_ACCOUNT_PAYMENT_NOT_ALLOWEDThe transaction was paid from a corporate bank account.
PAYMENT_COMPLIANCE_VALIDATION_FAILEDThe transaction was paid from a corporate bank account.
CUSTOMER_INVALID_AGEUnderaged.
CUSTOMER_INVALID_AGE_NULLPayer age not available.
CUSTOMER_INVALID_STATUSCPF is not valid/ active (deceased customer).
CUSTOMER_IS_PEPPolitically exposed person.
CUSTOMER_IS_PEP_RELATEDFamily member of a politically exposed person.
CUSTOMER_IS_IN_INTERNATIONAL_LISTSCustomer is in the lavajato/laft list.
CUSTOMER_SUSPENDED_STATUSCPF suspend by government triggered/criminal illegal activities.
CUSTOMER_POSSIBLE_INVALID_STATUSIn process of losing CPF.
CUSTOMER_NOT_FOUNDNo CPF data available.