Wompi Colombia Payment API
Wompi Colombia payment REST API for Colombian merchants to accept credit cards, PSE bank transfers, Bancolombia QR, Nequi, and Daviplata payments through Bancolombia's payment platform for e-commerce, marketplace, and subscription integration with developer-first design and transparent pricing. Enables AI agents to manage payment transaction creation for Colombia card and bank payment automation, handle PSE bank transfer for Colombia ACH payment automation, access Bancolombia QR and Nequi mobile payment for Colombia fintech automation, retrieve payment status and confirmation for Colombia transaction automation, manage refund and void for Colombia order management automation, handle webhook notification for Colombia payment event automation, access transaction reporting for Colombia payment analytics automation, retrieve tokenized card for Colombia recurring billing automation, manage multi-payment split for Colombia marketplace automation, and integrate Wompi with Colombian e-commerce, fintech, and enterprise platforms for end-to-end Colombia payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Colombia payments. PCI-DSS. Public/Private keys. CO. Card and bank transfer data.
⚡ Reliability
Best When
A Colombian merchant or platform wanting AI agents to automate card, PSE, Nequi, and Bancolombia QR payment acceptance through Wompi's developer-friendly Colombia payment API backed by Bancolombia.
Avoid When
PSE REQUIRES BANK SELECTION BY CUSTOMER: PSE (Pagos Seguros en Línea) bank transfer requires customer to select their bank; automated PSE checkout must present bank selection UI; automated PSE without bank selection creates payment initiation failure. COLOMBIAN PESO AMOUNTS IN CENTAVOS: Wompi amounts are in Colombian centavos (100 centavos = 1 COP); automated amount calculation must multiply by 100; automated COP amount without centavo conversion creates incorrect payment amount. WEBHOOK SIGNATURE VALIDATION REQUIRED: Wompi webhooks include signature in event payload; automated webhook processing must validate signature using integrity secret; automated unverified webhook creates spoofed payment acceptance vulnerability. SANDBOX USES WOMPI TEST CARDS: Wompi sandbox requires specific test card numbers and does not process real cards; automated sandbox testing must use Wompi's published test cards; automated real card in sandbox creates payment declined.
Use Cases
- • Accepting Colombian card and PSE payments from Colombia e-commerce agents
- • Processing Nequi and Bancolombia QR from Colombia mobile payment agents
- • Managing payment tokenization from Colombia recurring billing agents
- • Splitting marketplace payments from Colombia platform payment agents
Not For
- • Non-Colombia payments (Wompi is Colombia-focused)
- • Pan-LatAm multi-country payments (use EBANX or Kushki for multi-country LatAm)
- • Physical POS terminal (Wompi is online-focused; use traditional acquirers for POS)
Interface
Authentication
Wompi uses Public Key (pub_) + Private Key (prv_) for authentication. REST API with JSON. Medellín, Colombia HQ. Founded 2018 by Bancolombia subsidiary. Products: Card payments, PSE, Bancolombia QR, Nequi, Daviplata, tokenization, webhooks. SDKs: PHP, Node.js, Python, Java, .NET. PCI DSS. SFC regulated. Colombia's leading developer payment platform. Bancolombia ecosystem.
Pricing
Medellín CO. Bancolombia subsidiary. Per-transaction fees in COP. Transparent public pricing. Sandbox free.
Agent Metadata
Known Gotchas
- ⚠ CENTAVO AMOUNT DENOMINATION: Wompi processes all amounts in Colombian centavos (1 COP = 100 centavos); automated payment must multiply peso amount by 100; automated COP peso amount without conversion creates 100x underpayment
- ⚠ INTEGRITY SIGNATURE FOR WEBHOOK VERIFICATION: Wompi webhook events require integrity verification using checksum computed from event data + integrity secret; automated webhook must verify integrity; automated unverified webhook acceptance creates fraud vulnerability
- ⚠ PSE BANK LIST DYNAMIC AND MUST BE FETCHED: Wompi PSE bank list changes; automated PSE checkout must fetch current bank list via API not hardcode; automated hardcoded bank list creates stale banks shown to customer
- ⚠ PAYMENT METHOD AVAILABILITY BY MERCHANT: Not all payment methods (Nequi, Daviplata, QR) are available to all merchants; automated payment method display must check merchant-enabled methods; automated display of unavailable methods creates payment initiation failure
- ⚠ REFERENCE MUST BE UNIQUE PER TRANSACTION: Wompi reference parameter must be unique per transaction; automated retry must generate new reference; automated reference reuse creates duplicate transaction rejected
Alternatives
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Scores are editorial opinions as of 2026-03-07.