PlacetoPay Colombia Payment Gateway API
PlacetoPay (Evertec) payment gateway REST API for Colombian and Latin American businesses to accept PSE (Pago Seguro en Línea) bank transfers, credit/debit cards, digital wallets, and cash payment methods through Colombia's leading white-label payment platform, enabling e-commerce, government, financial institution, and enterprise payment integration across multiple LATAM countries including Colombia, Ecuador, Costa Rica, and Panama. Enables AI agents to manage payment session creation for Colombia PSE checkout automation, handle card payment processing for LATAM e-commerce automation, access PSE bank transfer for Colombia online banking payment automation, retrieve payment status for Colombia transaction confirmation automation, manage refund and reversal for LATAM order management automation, handle subscription and recurring billing for LATAM subscription automation, access payment link generation for invoice payment automation, retrieve transaction reporting for LATAM payment analytics automation, manage multi-currency for LATAM cross-border checkout automation, and integrate PlacetoPay with Colombian e-commerce, government, and enterprise platforms for end-to-end LATAM payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Colombia gateway. SFC, PCI DSS. HMAC nonce. CO. Card and payment data.
⚡ Reliability
Best When
A Colombian or Latin American business wanting AI agents to automate PSE bank transfers, card payments, and multi-method checkout through PlacetoPay/Evertec's Colombia-native payment gateway with local regulatory compliance.
Avoid When
PSE REQUIRES CONSUMER BANK REDIRECT: PlacetoPay PSE initiates bank redirect for consumer authentication at their bank; automated checkout must redirect consumer to bankURL; automated server-side PSE payment without redirect creates no authorization. PAYMENT SESSION HAS EXPIRY: PlacetoPay payment session (requestId) expires if consumer does not complete payment; automated abandoned session handling must create new session not retry expired; automated expired session reuse creates session_expired rejection. NOTIFICATION URL MUST BE PUBLIC: PlacetoPay sends webhook to merchant notificationUrl at session creation; automated notification handling requires publicly accessible URL; automated localhost notificationUrl creates notification delivery failure. COLOMBIAN PESO (COP) DENOMINATION: PlacetoPay processes COP amounts as pesos (not centavos); automated amount must be in COP pesos not centavos; automated centavo denomination creates 100x overcharge for COP transactions.
Use Cases
- • Accepting PSE bank transfers for Colombia e-commerce checkout agents
- • Processing credit cards for Colombian merchant payment agents
- • Generating payment links for Colombian invoice payment automation agents
- • Handling subscription billing for LATAM recurring payment agents
Not For
- • Non-LATAM payments (PlacetoPay is Colombia and LATAM focused)
- • Global enterprise acquiring at scale (use Adyen or Stripe for global operations)
- • Crypto payments (PlacetoPay is traditional fiat LATAM payment methods)
Interface
Authentication
PlacetoPay uses login/secretKey with SHA-1/SHA-512 HMAC nonce authentication. REST API with JSON. Medellín, Colombia HQ. Part of Evertec (NASDAQ: EVTC). Founded 2000. Products: PSE, card, wallets, cash, payment link, subscriptions, tokenization. SDKs: PHP, Node.js, Python. SFC-regulated (Colombia Superintendencia Financiera). PCI DSS. Operations in Colombia, Ecuador, Costa Rica, Panama, Bolivia. White-label platform for financial institutions. Competes with Wompi and ePayco for Colombian acquiring.
Pricing
Medellín CO. Evertec/NASDAQ:EVTC. Per-transaction pricing in COP. SFC regulated. PCI DSS.
Agent Metadata
Known Gotchas
- ⚠ AUTHENTICATION USES NONCE + HMAC — NOT BEARER TOKEN: PlacetoPay auth generates nonce+tranKey = base64(SHA-1(nonce + seed + secretKey)); automated request must generate auth object per request not static header; automated static API key header creates authentication_failure for all requests
- ⚠ COP AMOUNTS ARE FULL PESOS NOT CENTAVOS: PlacetoPay amount field for COP is in full pesos (1000 = COP $1,000); automated amount must not divide by 100; automated centavo denomination creates 100x overcharge displayed to consumer
- ⚠ PSE BANK REDIRECT REQUIRED: PlacetoPay PSE bank transfer returns bankURL requiring consumer browser redirect; automated checkout must redirect consumer; automated server-side PSE without redirect creates payment with no authorization mechanism
- ⚠ QUERY BY REQUEST ID FOR STATUS: PlacetoPay payment status uses getRequestInformation with requestId (not orderId); automated status check must store requestId from createRequest response; automated orderId-based query creates incorrect endpoint call
- ⚠ NOTIFICATION URL RECEIVES ALL STATUS CHANGES: PlacetoPay sends notifications for PENDING, APPROVED, REJECTED, FAILED; automated notification handler must filter for APPROVED before fulfillment; automated fulfillment on any notification creates premature fulfillment on PENDING status
Alternatives
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Scores are editorial opinions as of 2026-03-07.