> For the complete documentation index, see [llms.txt](https://docs.pagsmile.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.pagsmile.com/reference/payin/submit-a-payin/argentina/banktransfer.md).

# Bank Transfer

Use this endpoint to submit a Bank Transfer payment in Argentina.

{% hint style="warning" %}
Refunds are not supported for this payment method.
{% endhint %}

### Endpoint

```
POST https://gateway-test.pagsmile.com/trade/pay
```

### Request headers

<table><thead><tr><th width="142.8203125">Header</th><th width="125.44140625">Required</th><th>Description</th></tr></thead><tbody><tr><td><code>Content-Type</code></td><td>Yes</td><td>Fixed value: <code>application/json</code>.</td></tr><tr><td><code>Authorization</code></td><td>Yes</td><td>Basic authentication using <code>Base64(app_id:security_key)</code>.</td></tr></tbody></table>

### Request body

<table><thead><tr><th width="247.1953125">Parameter</th><th width="89.3828125">Type</th><th width="110.27734375">Required</th><th>Constraints</th><th>Description</th></tr></thead><tbody><tr><td><code>app_id</code></td><td>string</td><td>Yes</td><td>Maximum 32 characters.</td><td>Merchant application ID assigned by Pagsmile.</td></tr><tr><td><code>out_trade_no</code></td><td>string</td><td>Yes</td><td>Maximum 64 characters; must be unique for the merchant application.</td><td>Merchant order number.</td></tr><tr><td><code>method</code></td><td>string</td><td>Yes</td><td>Fixed value: <code>BankTransfer</code>.</td><td>Payment method.</td></tr><tr><td><code>order_amount</code></td><td>decimal</td><td>Yes</td><td>No minimum amount is specified. Maximum: <code>5,000,000</code> ARS. Supports up to two decimal places.</td><td>Payment amount.</td></tr><tr><td><code>order_currency</code></td><td>string</td><td>Yes</td><td>Fixed value: <code>ARS</code>.</td><td>Payment currency.</td></tr><tr><td><code>subject</code></td><td>string</td><td>Yes</td><td>Maximum 128 characters.</td><td>Payment subject or order title.</td></tr><tr><td><code>content</code></td><td>string</td><td>No</td><td>Maximum 255 characters.</td><td>Payment description.</td></tr><tr><td><code>trade_type</code></td><td>string</td><td>No</td><td>Fixed value: <code>API</code>.</td><td>Indicates a direct API payment.</td></tr><tr><td><code>notify_url</code></td><td>string</td><td>Yes</td><td>Must be a valid URL. HTTPS is recommended.</td><td>Endpoint that receives asynchronous payment notifications.</td></tr><tr><td><code>return_url</code></td><td>string</td><td>No</td><td>Must be a valid URL. HTTPS is recommended.</td><td>URL to which the customer is redirected after the payment flow.</td></tr><tr><td><code>buyer_id</code></td><td>string</td><td>Yes</td><td>Maximum 128 characters.</td><td>Merchant-side customer ID.</td></tr><tr><td><code>timestamp</code></td><td>string</td><td>Yes</td><td>Format: <code>yyyy-MM-dd HH:mm:ss</code>; maximum 19 characters.</td><td>Time at which the request is sent.</td></tr><tr><td><code>timeout_express</code></td><td>string</td><td>No</td><td>Supports <code>m</code> (minutes), <code>h</code> (hours), <code>d</code> (days), and <code>c</code> (end of the current day). The default is <code>90m</code> and the maximum is <code>15d</code>.</td><td>Payment expiration time.</td></tr><tr><td><code>customer.identify.type</code></td><td>string</td><td>Yes</td><td>Fixed value: <code>CUIT</code>.</td><td>Customer identification type.</td></tr><tr><td><code>customer.identify.number</code></td><td>string</td><td>Yes</td><td>Must contain 11 digits.</td><td>Customer CUIT number.</td></tr></tbody></table>

### Request example

```json
{
  "app_id": "16***2",
  "out_trade_no": "out_tr***41",
  "method": "BankTransfer",
  "order_amount": "51.19",
  "order_currency": "ARS",
  "subject": "trade pay test",
  "content": "trade pay test content",
  "trade_type": "API",
  "notify_url": "http://demo.gemini-tiger.cn/callback/success",
  "return_url": "https://www.pag.com",
  "buyer_id": "agt",
  "timestamp": "2026-08-18 13:18:10",
  "timeout_express": "1c",
  "customer": {
    "identify": {
      "type": "CUIT",
      "number": "2***0"
    }
  }
}
```

### Response example

```json
{
  "code": "10000",
  "msg": "Success",
  "prepay_id": "R2t***a841",
  "trade_no": "2026***27",
  "out_trade_no": "out_t***41",
  "web_url": "",
  "trade_status": "PROCESSING",
  "reference": "000***18"
}
```

Present the returned `reference` to the customer so that it can be included with the bank transfer.

{% hint style="warning" %}
A successful API response with `code=10000` only confirms that the payment request was created. It does not mean that the transfer has been completed. Use payment notifications or the Payin Detail API to determine the final payment status.
{% endhint %}