Bank Transfer
PY Integration option (Uruguay)
Payment
Info
This integration option supports only UYU currency.
Payment flow
- The customer initiates the payment on the merchant's website.
- The merchant sends the payment request to PacoPay Service Provider.
- PacoPay Service Provider sends a response containing the URL for completing the payment.
- The merchant redirects the customer to the provided URL.
- The customer completes the payment.
- PacoPay Service Provider sends a webhook notification with the payment status to the merchant. The merchant may also request the payment status from PacoPay Service Provider using the status query.
Request
Send a payment request with the following additional parameters:
|
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Request example
{
"request": {
"test": true,
"amount": 500,
"currency": "UYU",
"description": "description",
"return_url": "https://your_return_url.com",
"method": {
"type": "bank_transfer_uruguay"
}
}
}
Response
Redirect the customer to the URL received as the value of the form.action parameter.
Response example
{
"transaction": {
"uid": "43880dad-3d8e-4169-90b0-6dbaa6b3c42e",
"type": "payment",
"status": "pending",
"amount": 500,
"currency": "UYU",
"description": "description",
"created_at": "2026-01-27T12:12:26Z",
"updated_at": "2026-01-27T12:12:29Z",
"method_type": "bank_transfer_uruguay",
"receipt_url": "https://dashboard.paco-pay.com/customer/transactions/43880dad-3d8e-4169-90b0-6dbaa6b3c42e/1173523e2c055b7cdac62b784efa75380403870342a37d958316c0fee531ff25",
"payment": {
"status": "pending",
"gateway_id": 6065,
"ref_id": "PIU26Y01U27U12Y12U28705",
"message": "Transaction was initialized."
},
"bank_transfer_uruguay": {
"type": "bank_transfer_uruguay",
"use_pending_page": true
},
"customer": {
"email": null,
"ip": null
},
"manually_corrected_at": null,
"version": 4,
"message": "Transaction was initialized.",
"test": true,
"additional_data": {
"payment_method": {
"type": "alternative"
}
},
"smart_routing_verification": {
"status": "successful"
},
"gateway": {
"iframe": true
},
"form": {
"action": "link-to-payment-page",
"fields": [],
"method": "GET"
}
}
}
Payout
Request
Send a payout request with the following additional data:
|
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Request example
{
"request": {
"amount": 100,
"currency": "UYU",
"description": "description",
"test": false,
"tracking_id": "123",
"language": "en",
"notification_url": "https://your-notification.url",
"return_url": "https://your-success.url",
"customer": {
"first_name": "John",
"last_name": "Doe",
"middle_name": "Mid",
"city": "Montevideo",
"zip": "11100",
"address": "Av. 18 de Julio 1234, Apto 8203",
"phone": "091234567",
"state": "Montevideo",
"email": "[email protected]",
"id_number": "1.234.567-2"
},
"method": {
"type": "bank_transfer_uruguay",
"bank_code": "SBIN0030526",
"bank_name": "STATE BANK OF UY",
"account_number": "224103907"
},
"additional_data": {
"customer": {
"id_type": "Cedula Uruguaya"
}
},
}
}
Response
Response example
{
"transaction": {
"uid": "32c0c5e5-57eb-4892-97d7-f5dd9d43b6cc",
"type": "payout",
"status": "pending",
"amount": 100,
"currency": "UYU",
"description": "description",
"created_at": "2026-04-03T11:47:17Z",
"updated_at": "2026-04-03T11:47:20Z",
"manually_corrected_at": null,
"method_type": "bank_transfer_uruguay",
"receipt_url": "https://dashboard.paco-pay.com/customer/transactions/32c0c5e5-57eb-4892-97d7-f5dd9d43b6cc/d32db9a12dc438701688401aed19036a1792bcf7fb9b82edc3e6e414cf51d3e8?language=en",
"payout": {
"status": "pending",
"gateway_id": 6267,
"ref_id": "POU26S04D03I11N47R20087",
"message": "Transaction was initialized."
},
"bank_transfer_uruguay": {
"type": "bank_transfer_uruguay"
},
"customer": {
"email": "[email protected]",
"ip": null
},
"version": 1,
"message": "Transaction was initialized.",
"tracking_id": "123",
"test": false,
"language": "en",
"billing_address": {
"zip": "11100",
"city": "Montevideo",
"email": "[email protected]",
"phone": "091234567",
"state": "Montevideo",
"id_number": "1.234.567-2",
"address": "Av. 18 de Julio 1234, Apto 8203",
"last_name": "Doe",
"first_name": "John",
"middle_name": "Mid"
},
"additional_data": {
"customer": {
"id_type": "Cedula Uruguaya"
},
"payment_method": {
"type": "alternative"
}
},
"smart_routing_verification": {
"status": "successful"
}
}
}
Request for supported banks
Request
To get a list of the supported banks, send a GET request to https://api.paco-pay.com/beyag/gateways/{gateway_id}/bank_list, where gateway_id is the ID of the payment gateway activated for your shop for the bank_transfer_uruguay method. To get the gateway ID, contact the Technical Support team or your account manager.
Response
The system returns a list of available banks for payouts.
Use the received values of bank_code and bank_name for the corresponding parameters in the payout request.
Response example
{
"response": {
"list": [
{
"bank_code": "SBIN0017215",
"bank_name": "BANK 1"
},
{
"bank_code": "HDFC0008967",
"bank_name": "BANK 2"
}
]
}
}
PY Integration option (Argentina)
Payment
Info
This integration option supports only ARS currency.
Payment flow
- The customer initiates the payment on the merchant's website.
- The merchant sends the payment request to PacoPay Service Provider.
- PacoPay Service Provider sends a response containing the URL for completing the payment.
- The merchant redirects the customer to the provided URL.
- The customer selects one of the 2 payment methods on the payment page and completes the payment. The available methods are Transferencia 3.0 (QR) and DEBIN (Instant Debit).
- PacoPay Service Provider sends a webhook notification with the payment status to the merchant. The merchant may also request the payment status from PacoPay Service Provider using the status query. Once the transaction is finalized, the webhook notification or the response to the status query may contain either
transferencia_3_0ordebinasmethod_type, depending on the method the customer selected to complete the payment. The response to the status query may contain the updatedmethod_typevalue even when the transaction is still inpendingstatus, provided the status query was sent after the customer has selected the payment method on the payment page.
Request
Send a payment request with the following additional parameters:
|
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Request example
{
"request": {
"test": false,
"amount": 500,
"currency": "ARS",
"description": "description",
"return_url": "https://your_return_url.com",
"method": {
"type": "bank_transfer_argentina"
}
}
}
Response
Redirect the customer to the URL received as the value of the form.action parameter.
Response example
{
"transaction": {
"uid": "49d8634c-e6bf-4ca4-beb9-b805a14df4be",
"type": "payment",
"status": "pending",
"amount": 100,
"currency": "ARS",
"description": "description",
"created_at": "2026-08-20T15:24:12Z",
"updated_at": "2026-08-20T15:24:13Z",
"method_type": "bank_transfer_argentina",
"receipt_url": "https://dashboard.paco-pay.com/customer/transactions/49d8634c-e6bf-4ca4-beb9-b805a14df4be/8c386e7ed5ec72d0e16979f77af3081c14873059e00b5d2b155cb1ade631c5f3?language=en",
"payment": {
"status": "pending",
"gateway_id": 7108,
"ref_id": "76735489188507443121",
"message": "Transaction was initialized."
},
"bank_transfer_argentina": {
"type": "bank_transfer_argentina",
"use_pending_page": true
},
"customer": {
"email": null,
"ip": null
},
"manually_corrected_at": null,
"version": 3,
"message": "Transaction was initialized.",
"tracking_id": "123",
"test": false,
"language": "en",
"additional_data": {
"payment_method": {
"type": "alternative"
}
},
"smart_routing_verification": {
"status": "successful"
},
"gateway": {
"iframe": true
},
"form": {
"action": "link-to-payment-page",
"fields": [],
"method": "GET"
}
}
}
Webhook notification
Once the transaction is finalized, the webhook notification or the response to the status query may contain either transferencia_3_0 or debin as method_type, depending on the method the customer selected to complete the payment.
Webhook example
{
"transaction": {
"uid": "3bba43a0-1f67-4537-93f9-d7a6c1c3b7a2",
"type": "payment",
"status": "successful",
"amount": 100,
"currency": "ARS",
"description": "description",
"created_at": "2026-08-20T07:47:39Z",
"updated_at": "2026-08-20T07:47:53Z",
"method_type": "transferencia_3_0",
"receipt_url": "https://dashboard.paco-pay.com/customer/transactions/3bba43a0-1f67-4537-93f9-d7a6c1c3b7a2/c8b8e3215c2b566dbfa9324e8a0d6b530abf350d8d2cf62a12a56fbcabd433cd?language=en",
"payment": {
"status": "successful",
"gateway_id": 6267,
"ref_id": "PIA26R08S05A18R02S22442",
"message": "Transaction was successfully processed."
},
"transferencia_3_0": {
"type": "transferencia_3_0",
"use_pending_page": true
},
"manually_corrected_at": null,
"version": 5,
"message": "Transaction was successfully processed.",
"tracking_id": "123",
"test": false,
"language": "en",
"paid_at": "2026-08-20T07:47:53Z",
"additional_data": {
"payment_method": {
"type": "alternative"
}
},
"smart_routing_verification": {
"status": "skipped"
},
"gateway": {
"iframe": true
}
}
}