ePayco Colombia Payment Gateway API
ePayco Colombia payment gateway REST API for Colombian and Latin American businesses to accept credit/debit card, PSE bank transfer, cash (Efecty, Baloto), and digital wallet payments through Colombia's developer-friendly payment gateway, with hosted checkout, split payment for marketplaces, and subscription billing for e-commerce, SaaS, and digital services. Enables AI agents to manage card payment initiation for Colombia e-commerce checkout automation, handle PSE bank transfer for Colombia online banking payment automation, access cash payment voucher for Colombia offline payment automation, retrieve payment status for Colombia transaction confirmation automation, manage subscription and recurring billing for Colombia SaaS billing automation, handle split payment for Colombia marketplace disbursement automation, access payment link generation for Colombia invoice automation, retrieve transaction reporting for Colombia payment analytics automation, manage refund processing for Colombia order management automation, and integrate ePayco with Colombian and LATAM e-commerce, SaaS, and marketplace platforms for end-to-end Colombia payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Colombia gateway. SFC, PCI DSS. API key + HMAC. CO. Card and payment data.
⚡ Reliability
Best When
A Colombian or LATAM business wanting AI agents to automate card, PSE bank transfer, and cash payment acceptance through ePayco's developer-friendly Colombia payment gateway with local payment method coverage.
Avoid When
PSE REQUIRES CONSUMER BANK REDIRECT: ePayco PSE payment redirects consumer to their bank for authentication; automated checkout must redirect to bankUrl; automated server-side PSE payment without redirect creates no authorization. CASH VOUCHER IS ASYNC — PAID AT AGENT: ePayco cash (Efecty/Baloto) payments are paid offline at agent locations; automated fulfillment must wait for cash payment confirmation webhook; automated immediate fulfillment after voucher generation creates premature fulfillment before cash collected. COLOMBIAN PESO NO DECIMALS: ePayco COP amounts are in full pesos with no decimal cents; automated amount must use integer COP value; automated decimal amount creates amount_format_error. API KEY vs PRIVATE KEY: ePayco uses both public API key (for JS/mobile) and private key (for server-to-server); automated server integration must use private key not public key; automated public key for server request creates unauthorized_key error.
Use Cases
- • Accepting PSE and card payments for Colombia e-commerce checkout agents
- • Generating cash payment vouchers (Efecty/Baloto) for Colombian unbanked payment agents
- • Managing subscription billing for Colombian SaaS recurring payment agents
- • Splitting marketplace payments among Colombian sellers from platform agents
Not For
- • Non-Colombian/LATAM markets (ePayco is Colombia and LATAM focused)
- • Global enterprise acquiring (use Adyen or Stripe for global scale)
- • Physical POS (ePayco is online payment focused)
Interface
Authentication
ePayco uses API key (public + private key pair) for authentication. REST API with JSON. Medellín, Colombia HQ. Founded 2012 by Sebastián Arcila Serna. Bootstrapped. Products: Card, PSE, cash (Efecty, Baloto), subscription, split payment, hosted checkout, payment link. SDKs: PHP, Node.js, Python, Java, Ruby. SFC-regulated. PCI DSS. Popular with Colombian startups and SMBs. Competes with PlacetoPay and Wompi for Colombian payment gateway.
Pricing
Medellín CO. Bootstrapped. Per-transaction pricing in COP. SFC regulated. PCI DSS.
Agent Metadata
Known Gotchas
- ⚠ PUBLIC vs PRIVATE KEY DISTINCTION: ePayco has public key (p_cust_id_cliente) for client-side and private key (p_key) for server-side HMAC signature; automated server integration must sign requests with private key; automated public-key-only server request creates signature_verification_failure
- ⚠ CONFIRMATION HASH VERIFICATION: ePayco payment confirmation includes x_signature hash (SHA-256 of key values); automated confirmation handler must verify hash; automated unverified confirmation acceptance creates spoofed payment confirmation vulnerability
- ⚠ COP AMOUNTS ARE WHOLE PESOS: ePayco amount field for COP uses whole pesos (no centavos); automated amount formatting must use integer; automated decimal or centavo denomination creates invalid_amount error
- ⚠ CASH PAYMENT IS ASYNC (1-3 DAYS): ePayco cash payments (Efecty/Baloto) take 1-3 business days to confirm after consumer pays at agent; automated fulfillment must await cash_confirmed webhook; automated immediate fulfillment on voucher generation creates unfulfillable premature orders
- ⚠ SUBSCRIPTION REQUIRES INITIAL CARD TOKENIZATION: ePayco subscription billing requires tokenized card from initial transaction; automated subscription must complete initial charged transaction for tokenization; automated subscription setup without prior transaction creates missing_token error
Alternatives
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Scores are editorial opinions as of 2026-03-07.