Pay In - Bank Transfer
Developing
Develop Env
https://api.v2.stg.paypaga.com
Develop Env
https://api.v2.stg.paypaga.com
POST
https://api.v2.stg.paypaga.com
Channel
Bank Transfer
Supported Banks
This payment method includes the following banks:
- Banco Guayaquil
- Banco Pichincha
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,}$ | |
| 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 |
DL | Driver's License | 10 digits including last digit checksum |
PP | Passport | Must be a valid Ecuadorian passport |
Expected Behavior
The external_link returned in the API response must be used to redirect the customer to the payment provider’s hosted checkout page.
This URL does not correspond to a specific bank. Instead, the provider will display the available bank options and guide the customer through the payment process.
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 --request POST '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": "bank_transfer",
"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": "document_type",
"value": "CI"
},
{
"name": "document_number",
"value": "1710034065"
}
]
}'Response Response Example
200 - Bank Transfer
{
"transaction_id": "20260325-1443-4d40-8392-73274d0f4e99",
"transaction_payment_mode": "ASYNCHRONOUS",
"payment_method_reference": "20260325-1443-4d40-8392-73274d0f4e99",
"message": "Transaction Successfully",
"version": "0.1",
"next_steps_detail_instructions": [
{
"type": "external_link",
"key": "reference_url",
"label": "URL",
"description": "https://sandbox-gateway.com/Express4/Checkout/index?TokenID=c198ae99-29db-4617-a78e-1c3aeb76b889&CountryID=ECU&ChannelID=ONLINE"
}
]
}