Pay In - Banco Guayaquil
Develop Env
https://api.v2.stg.paypaga.com
Develop Env
https://api.v2.stg.paypaga.com
POST
https://api.v2.stg.paypaga.com
⚠️ Prior authorization required:
To enable this payment method, please contact your account manager before proceeding with the integration.
Channel
Bank Transfer
Required Fields
| Field | Description | Validation |
|---|---|---|
| first_name | Customer first name | Length >= 2 <= 50, RegEx ^\p{L}*(?:[ '-]\p{L}+)*$ |
| last_name | Customer last name | Length >= 2 <= 50, RegEx ^\p{L}*(?:[ '-]\p{L}+)*$ |
| Customer email | Length >= 5 <= 50, RegEx ^[a-zA-Z0-9._%+-]+@[a-zA-Z0-9.-]+\.[a-zA-Z]{2,}$ | |
| phone | Customer phone number | Length = 10 or 12, RegEx ^(?:09\d{8}|5939\d{8})$ |
| document_type | Document type | See document types listed below |
| document_number | Document number | See document types listed below |
Document types
| Document Type | Description | document_number validation |
|---|---|---|
CI | Cedula de Identidad | 10 digits including last digit checksum |
RUC | Registro Único de Contribuyentes | 13 numeric digits with check digit validation based on taxpayer type |
PP | Passport | Must be a valid Ecuadorian passport |
Expiry
Initiated transactions that are not completed, transition to an Expired state after 60 hours.
Request
Header Params
Body Params application/json
Responses
Request Request Example
Shell
JavaScript
Java
Swift
curl --location 'https://api.v2.stg.paypaga.com/payment' \
--header 'Authorization;' \
--header 'Content-Type: application/json' \
--data-raw '{
"transaction_id": "20251028-1512-4666-aa2b-1e1b04ca105e",
"payment_method_code": "banco_guayaquil",
"country_code": "EC",
"currency": "USD",
"transaction_total": 1000,
"merchant_transaction_reference": "abc4561698162696828",
"transaction_fields": [
{
"name": "first_name",
"value": "John"
},
{
"name": "last_name",
"value": "Doe"
},
{
"name": "email",
"value": "mail@mail.com"
},
{
"name": "phone",
"value": "0991234567"
},
{
"name": "document_type",
"value": "CI"
},
{
"name": "document_number",
"value": "1710034065"
}
]
}'Response Response Example
200 - Banco Guayaquil
{
"transaction_id": "20260504-1248-4c33-b788-e7dead0f943c",
"transaction_payment_mode": "ASYNCHRONOUS",
"payment_method_reference": "MONTRX2170387526050435238",
"message": "Transaction Successfully",
"version": "0.1",
"next_steps_detail_instructions": [
{
"type": "label",
"key": "reference",
"label": "Código de pago",
"description": "11230573"
},
{
"type": "labels",
"key": "instructions",
"label": "Instrucciones de pago",
"description": "Pasos para completar tu pago",
"steps": [
{
"label": "1",
"description": "Accede a tu <strong>Banca Virtual o APP móvil,</strong> inicia sesión en la sección de Personas con tu usuario y contraseña. Después, elige la opción de <strong>Pago de servicios.</strong>"
},
{
"label": "2",
"description": "En la sección de <strong>Recaudaciones Empresariales,</strong> busca <strong>Monnet Pagos</strong> y proporciona el código de pago <strong>11230573</strong>."
},
{
"label": "3",
"description": "Selecciona el método de pago deseado y asegúrate de verificar el monto a pagar."
},
{
"label": "4",
"description": "Ingresa el código de seguridad correspondiente, confirma el pago y <strong>¡listo! La transacción se procesará automáticamente</strong>."
}
]
}
]
}