Qitero Qitero

PagoEfectivo

Country: Peru (PE)  |  Payment Rail: bank_clearing

Cash Market Adoption: 75%

PagoEfectivo is a dominant cash-voucher and online bank-clearing payment network in Peru operated by Paysafe, enabling CIP voucher payments across 40,000+ physical agent locations widely used for e-commerce, gaming, and unbanked consumer checkout.

🔄 User Payment Flow

  1. Customer selects PagoEfectivo at checkout
  2. Checkout generates an 8-digit CIP (Código de Identificación de Pago) voucher and barcode
  3. Customer pays cash at an authorized agent (Agente BCP, KasNet, Western Union, Tambo) or via online banking
  4. PagoEfectivo confirms settlement and notifies merchant to fulfill order

⚙️ Characteristics & Settlement

Instant PaymentNO
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API requests PagoEfectivo CIP voucher from gateway (dLocal / Kushki / PayU / Culqi)
  • Gateway returns CIP code, barcode URL, and expiration countdown to customer
  • Gateway receives clearing webhook when customer pays and marks transaction as paid

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 PayU🔌 Mercado Pago🔌 dLocal🔌 Kushki🔌 Culqi🔌 EBANX🔌 Niubiz