Banco Pichincha
Country: Ecuador (EC) | Payment Rail: bank_clearing
OnlineBanking
Market Adoption: 20%
Banco Pichincha is the direct online banking and payment gateway of Ecuador's largest commercial bank, featuring seamless bank transfers and the Mi Vecino agent network widely used for e-commerce and utility bills.
🔄 User Payment Flow
- User selects Banco Pichincha Direct / Banca Web at checkout
- User logs in with online banking credentials or selects Mi Vecino cash voucher
- User verifies transaction with soft token or SMS OTP
- Funds transfer directly from customer USD checking/savings account
- Confirmation receipt is generated immediately
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant connects to Banco Pichincha Cash Collection / Gateway API
- Customer executes direct account transfer or pays at Mi Vecino agent
- Banco Pichincha core banking clears funds to merchant account
- Automated webhook confirms payment status
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 dLocal🔌 Kushki