Qitero Qitero

Tupay

Country: Peru (PE)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 35%

Tupay is an instant bank-clearing and QR payment gateway in Peru, connecting Peruvian commercial bank accounts in real time without card credentials widely used for e-commerce, digital services, and retail payments.

🔄 User Payment Flow

  1. Customer selects Tupay at checkout
  2. Checkout displays Tupay dynamic QR code or direct interbank transfer instructions
  3. Customer opens mobile banking app, scans QR code or authorizes instant interbank transfer
  4. Tupay validates real-time interbank clearing and confirms payment to merchant immediately

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway (dLocal / Kushki / Tupay API) to initiate transaction session
  • Gateway issues payment token and dynamic Tupay QR payload
  • Gateway receives real-time bank clearing webhook callback and updates merchant order status

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 dLocal🔌 Kushki