Bank Transfer

How to use BankTransfer to submit a payin in Argentina.

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

Refunds are not supported for this payment method.

Endpoint

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

Request headers

Header	Required	Description
Content-Type	Yes	Fixed value: application/json.
Authorization	Yes	Basic authentication using Base64(app_id:security_key).

Request body

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

Request example

{
  "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

{
  "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.

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.