Pay In - Instant Transfers

Note
For Instant Transfers (CVU/CBU), callbacks are the source of truth for payment approval.
An Approved status does not guarantee that the paid amount matches the originally requested amount, nor that the transaction was previously created in our system.

Callback Request Parameters

Parameter	Description	Details
`transaction_id`	Unique PayPaga-assigned transaction identifier	—
`status`	Current transaction status	Enum values: - `Approved` — Payment successfully processed (final success state) - `Declined` — Payment declined during processing (final failure state) - `Error` — Unexpected processing error (final failure state) - `Canceled` — Transaction canceled by the provider (final failure state)
`transaction_type`	Transaction type	Enum values: - `Payin` — Pay-in transaction - `Payout` — Pay-out transaction
`merchant_transaction_reference`	Merchant-defined transaction identifier used for correlation	- Max length: `45` - Pattern: `^[A-Za-z0-9-_]+`
`transaction_input`	Original data provided by the merchant or end customer to PayPaga when initiating the payment Examples	—
`processing_output`	Data verified during payment processing Examples	—
`transaction_amount`	Amount originally requested	For unsolicited pay-ins, this value is system-defined and matches the `paid_amount` field
`paid_amount`	Amount effectively received	Funds credited to the assigned CVU/CBU
`unsolicited_payment`	Indicates whether the pay-in was automatically generated	`true` if the transfer was received without a prior API-created transaction

Callback Examples

Underpayment

Overpayment

Unsolicited Payment

{
    "transaction_id": "20250516-1036-4c6e-9340-1d7769e556ae",
    "status": "Approved",
    "merchant_id": "50249f9c-2e0b-4d6a-bd44-0a9207b508dc",
    "transaction_type": "payin",
    "merchant_transaction_reference": "XXXXXXXX-XXXX-XXX",
    "country_code": "AR",
    "currency": "ARS",
    "payment_method_code": "CVU",
    "transaction_input": {
        "document_number": "20123456786",
        "first_name": "Jon",
        "last_name": "Snow",
        "bank_code": "mercado_pago"
    },
    "processing_output": {
        "account_number": "5111184511100013648681",
        "document_number": "20123456786",
        "first_name": "Jon",
        "last_name": "Snow"
    },
    "transaction_amount": 1000,
    "paid_amount": 900,
    "unsolicited_payment": false
}

Callback Response

Status code: 200

Body: empty

Any other status code is treated as a failed webhook request.

Retry Policy

PayPaga attempts the notification up to 3 times. If all attempts fail, an email is sent to the configured failedWebhookEmailList with the payload.

The first retry occurs after 30 seconds. Each subsequent attempt doubles the wait time. Example:

First attempt: failed

30 seconds later: second attempt failed

60 seconds later: third attempt failed, email sent to failedWebhookEmailList with the payload

To retrieve more details about the notified transaction, use the relevant Transaction Query API for the transaction type.

Pay In - Instant Transfers

Callback Examples#

Callback Examples