# Overview

> Overview of payment methods available in Colombia through EBANX.

# 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
Credit Card, Debit Card, PSE Avanza, Bre-B, Botón Bancolombia, Efecty, Nequi, Nequi Recurring

For detailed integration guides, visit the [API Operability](/docs/get-started/api-operability) page.
### Customer document
The <code>document</code> field is required. Provide <code>document_type</code> to specify the document.

| Document Type | Format | Description |
| --- | --- | --- |
| CC | 2-15 digits | Cedula de Ciudadania. National identity document for Colombian citizens. Default when <code>document_type</code> 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

> **Local processing in Colombia requires IVA data**
> 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:

```json
{
  "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?

If you still have questions, you can explore the following options:

- **Merchant support:** Contact our support team at [sales.engineering@ebanx.com](mailto:sales.engineering@ebanx.com) for assistance.
- **Not a partner yet?** Complete the [Merchant Signup Form](https://business.ebanx.com/en/request-contact), and our commercial team will reach out to you.