PayOut

Country-specific information for PayOut transactions in Colombia.

Overview

The PayOut API for Colombia enables secure disbursements to bank accounts and digital wallets through multiple payment methods including standard bank transfers, TumiPay wallet, and Bre-B instant payments. Transactions are processed asynchronously with webhook notifications.

Key Features

• Multiple Disbursement Methods: BANK_TRANSFER,TUMIPAY, BREB
• Currency: Colombian Peso (COP)
• Asynchronous Processing: Background processing with webhook notifications
• Instant Payments: Bre-B support for real-time transfers (24/7/365)
• Wide Bank Coverage: Support for major Colombian banks and digital wallets

Quick Reference

Parameter	Value	Description
Endpoint	POST /api/v1/payout	Initiate PayOut transaction
Currency	COP	Colombian Peso
Country Code	CO	Colombia
Auth Required	Yes	Token-Top + Basic Auth
Processing	Async	Status updates via webhook

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Request Parameters

Required Fields

Field	Type	Description	Example
payment_method	string	Disbursement method	"BANK_TRANSFER", "BREB", "TUMIPAY"
reference	string	Unique transaction identifier from your system	"3cNPNGbX7meiMppXzVz7g781ysektqq5X"
amount	integer	Transaction amount in cents (minor currency unit)	1000 (= $10.00 COP)
currency	string	Three-letter currency code (ISO 4217)	"COP"
country	string	Two-letter country code (ISO 3166-1 alpha-2)	"CO"
ipn_url	string	Webhook URL for transaction status updates	"http://example.com/tu-webhook"
customer_data	object	Customer and account information (see below)	-

Customer Data Object

Field	Type	Required	Description	Example
legal_doc	string	✅	Customer’s legal document number	"1002184990"
legal_doc_type	string	✅	Document type: CC, CE, PPN, NIT	"CC"
phone_code	string	✅	Country calling code	"57"
phone_number	string	✅	Phone number without country code	"3003540831"
email	string	✅	Customer email address	"[e-mail]"
full_name	string	✅	Customer full name	"John Doe"
bank	string	✅	Destination bank code	"BANCOLOMBIA", "NEQUI", etc.
account_number	string	✅	Bank account number or wallet ID	"3990000011"
account_type	string	✅	Account type: AHORRO, CORRIENTE	"AHORRO"

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Response Structure

Success Response

Field	Type	Description
code	string	Response code ("01" = success)
status	string	Transaction status ("SUCCESS")
message	string	Description of the response
data	object	Transaction data object

Data Object

Field	Type	Description
ticket	string	Unique transaction identifier (TumiPay ID)
date	string	Transaction timestamp (YYYY-MM-DD HH:MM:SS)
transaction	object	Transaction details echo

Transaction Status Flow

Status	Description
PENDING	Transaction created, processing initiated
APPROVED	Funds successfully transferred to recipient
REJECTED	Transaction rejected by bank or validation failure

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Request Example

cURL

shellscript

curl --request POST 'https://api-empresas.staging.tumipay.co/production/api/v1/payout' \
--header 'Token-Top: your_auth_token' \
--header 'Authorization: Basic your_auth_key' \
--header 'Content-Type: application/json' \
--data-raw '{
    "payment_method": "BANK_TRANSFER",
    "reference": "3cNPNGbX7meiMppXzVz7g781ysektqq5X",
    "amount": 1000,
    "currency": "COP",
    "country": "CO",
    "ipn_url": "http://example.com/tu-webhook",
    "customer_data": {
        "legal_doc": "1002184990",
        "legal_doc_type": "CC",
        "phone_code": "57",
        "phone_number": "3003540831",
        "email": "[e-mail]",
        "full_name": "John Doe",
        "bank": "EXAMPLE_BANK",
        "account_number": "3990000011",
        "account_type": "AHORRO"
    }
}'

Response Example

{
    "code": "01",
    "status": "SUCCESS",
    "message": "Operacion exitosa",
    "data": {
        "ticket": "19kazMPNue2fOIp",
        "date": "2025-10-16 00:58:54",
        "transaction": {
            "reference": "3cNPNGbX7meiMppXzVz7g781ysektqq5X",
            "amount": 1000,
            "currency": "COP",
            "payment_method": "BANK_TRANSFER"
        }
    }
}

Advanced Integration

For Bre-B integration to send money to digital wallets and bank accounts using unique identifiers, see Bre-B Integration.