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BCP Direct (Banco de Crédito del Perú)

Country: Peru (PE)  |  Payment Rail: bank_clearing

OnlineBanking Market Adoption: 65%

BCP Direct is the official online banking payment portal of Banco de Crédito del Perú, enabling direct bank account debits with digital token authentication widely used for e-commerce, high-ticket purchases, and corporate bill payments.

🔄 User Payment Flow

  1. Customer selects BCP Online Banking at merchant checkout
  2. Customer is redirected to VíaBCP online portal or approves inside BCP mobile app
  3. Customer enters online banking credentials and confirms payment with Token Digital BCP
  4. BCP executes instant account debit and redirects back to merchant order completion page

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API initiates BCP online banking session via acquiring gateway (dLocal / Kushki / Culqi)
  • Gateway provides secure redirect URL or Token BCP approval session
  • Gateway receives real-time clearing confirmation from BCP and dispatches webhook to merchant

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 PayU🔌 dLocal🔌 Kushki🔌 Culqi🔌 EBANX