Overview
Colombia is one of Latin America's fastest-growing digital commerce markets. The market is structurally driven by A2A payments: bank transfers account for a large share of e-commerce volume — one of the highest A2A shares in the region — reflecting strong banking penetration and consumer preference for direct account-to-account payments over cards.
PSE, Nequi, and the emerging Bre-B instant payment system define the payment landscape. Credit and debit cards complement but do not dominate, and BNPL adoption is growing.
Available payment methods
Colombia supports the following payment methods through EBANX. For detailed integration guides, select a payment method from the sidebar or visit the API Operability page.
- Cards: Credit Cards, Debit Cards
- Cash & Codes: Efecty, Bre-B, Nequi
- Trusted Redirects: PSE Avanza, Botón Bancolombia
- Tokenized Alternatives: Nequi Recurring
Customer document
The document field is required. Provide document_type to specify the document.
| Document Type | Format | Description |
|---|---|---|
| CC | 2-15 digits | Cedula de Ciudadania. National identity document for Colombian citizens. Default when document_type is omitted. |
| NIT | 2-15 digits | Numero de Identificacion Tributaria. Tax identification number for businesses. |
| CE | 2-15 digits | Cedula de Extranjeria. Identity document for foreign nationals. |
Currency and settlement
| Detail | Value |
|---|---|
| Local currency | COP - Peso Colombiano |
| Accepted currencies | COP |
Taxes for local processing
If your Colombian payments are processed by EBANX as a local entity (LOCAL_LATAM) and your merchant account is enabled for single transaction and parameter taxes, the request body must also split the charged amount between the local and cross-border portions and declare the Colombian IVA (value-added tax). Add single_transaction.amount_local, single_transaction.amount_crossborder, and taxes.iva_co to the payment object of every payment method listed above. When amount_local is positive, omitting the taxes object is rejected with BP-TX-01 and omitting taxes.iva_co with BP-TX-02. Sending single_transaction without the capability enabled is rejected with BP-ST-00.
The payment object of any Colombian payment request must then carry the following fields, in addition to the parameters required by the chosen payment method:
{
"single_transaction": {
"amount_local": 99.85,
"amount_crossborder": 0.00
},
"taxes": {
"iva_co": 0.00
}
}
Refunds
- Refunds for credit and debit card payments are sent to the card acquirer.
Bank transfer refunds require the following customer banking details:
| Field | Description |
|---|---|
| Bank name | Must be a supported Colombian bank |
| City | Customer's city |
| Account type | Savings or checking |
| Account number | Bank account number (numeric) |
| Document type | CC, CE, or NIT |
| Document number | Customer's identification number (numeric) |
| Account holder name | Name of the bank account holder |
Still need help?
We hope this article was helpful. If you still have questions, you can explore the following options:
- Merchant support: Contact our support team at sales.engineering@ebanx.com for assistance.
- Not a partner yet? Please complete the Merchant Signup Form, and our commercial team will reach out to you.
