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PSE (Pagos Seguros en Línea)

Country: Colombia (CO)  |  Payment Rail: bank_network

OnlineBanking Market Adoption: 85%

PSE is ACH Colombia's national online bank transfer portal, enabling instant online checkout payments across all Colombian commercial banks.

🔄 User Payment Flow

  1. Customer selects PSE at merchant checkout and chooses their bank (e.g. Bancolombia, Davivienda, Banco de Bogotá)
  2. Checkout redirects customer to the official PSE portal and bank login screen
  3. Customer verifies transaction details and approves transfer via online banking PIN / OTP
  4. ACH Colombia PSE clears funds in real-time and redirects customer back to merchant website

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway to request PSE checkout session
  • PSP issues payment token and PSE bank redirect URL
  • PSP receives ACH Colombia clearing webhook notification and updates order status