Pagoefectivo

How to use Pagoefectivo to submit a payin in Peru.

Payin by Pagoefectivo

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

This endpoint allows you to submit a payin by Pagoefectivo in Peru.

Headers

Name	Type	Description
Content-Type*	string	application/json; chartset=UTF-8
Authorization*	string	Basic Base($app_id:$security_key)

Request Body

Name	Type	Description
app_id*	string	Created app's ID at dashboard. Max. 32 chars.
out_trade_no*	string	ID given by the merchant in their system - Max. 64 chars -
method*	string	Fixed value: PagoEfectivo.
order_amount*	string	Payment amount. The typical limit is 1–19,000 PEN. Limits may vary by bank. See details here.
subject*	string	Payment reason or item title. Max. 128 chars.
order_currency*	string	Fixed value: PEN.
content	string	Payment reason detail or item detail. Max. 255 chars.
notify_url*	string	Where Pagsmile will send notification to.
return_url	string	Redirect to Merchant's url when user finished checkout
buyer_id*	string	Merchant user's ID.
timestamp*	string	Format: yyyy-MM-dd HH:mm:ss. Max. 19 chars.
customer.email*	string	User's email

200 submit successfully

{
	"code": "10000",
	"msg": "Success",
	"prepay_id": "bkFkZWl****c48F65",
	"trade_no": "2026****6522",
	"out_trade_no": "out_no_11***291",
	"web_url": "",
	"pay_url": "https://partners.safetypay.com/tokenId=c7c****64&currency=PEN",
	"trade_status": "PROCESSING",
	"reference": "37***26",
	"instruction": "[\"[{\\\"location_id\\\":\\\"8510\\\",\\\"location_name\\\":\\\"PagoEfectivo\\\",\\\"payment_instructions\\\":[{\\\"name\\\":\\\"TransactionID\\\",\\\"value\\\":\\\"42**58\\\"},{\\\"name\\\":\\\"PaymentReference\\\",\\\"value\\\":\\\"378***126\\\",\\\"display_label\\\":\\\"Código CIP\\\"},{\\\"name\\\":\\\"AgreementCode\\\",\\\"value\\\":\\\"PAGOEFECTIVO\\\",\\\"display_label\\\":\\\"Institución/Empresa\\\"},{\\\"name\\\":\\\"PaymentInstructionsURL\\\",\\\"value\\\":\\\"https://partners.safetypay.com/v2/PagoEfectivo/proxyout?tokenId=c7*******c64&currency=PEN\\\"}],\\\"howto_pay_steps\\\":[{\\\"step_number\\\":1,\\\"step_instruction\\\":\\\"Revisa tu correo electrónico para ver las instrucciones de pago.\\\"},{\\\"step_number\\\":2,\\\"step_instruction\\\":\\\"Ingresa al App o Web del banco asociado a PagoEfectivo y selecciona la opción [Pago de Servicios].\\\"},{\\\"step_number\\\":3,\\\"step_instruction\\\":\\\"Busca y selecciona la institución/empresa [PAGOEFECTIVO].\\\"},{\\\"step_number\\\":4,\\\"step_instruction\\\":\\\"Selecciona [PAGOEFECTIVO Soles] e ingresa tu [código CIP 378*****26].\\\"},{\\\"step_number\\\":5,\\\"step_instruction\\\":\\\"Selecciona la cuenta de cargo o Tarjeta de Crédito/Debito.\\\"},{\\\"step_number\\\":6,\\\"step_instruction\\\":\\\"Autoriza el pago y ¡Listo!\\\"}],\\\"status\\\":1}]\"]"
}

400 duplicate out_trade_no

User payment tips

• Redirect users to the link in pay_url to complete the payment.

Example

curl --location --request POST 'https://gateway.pagsmile.com/trade/pay' \
--header 'Authorization: Basic MTYyNTgyOTIxNDUzMTY2Mzg6UGFnc21pbGVfc2tfZDUwMWQ1ZGNkNTI5OGQ5N2MwNmUzYjI4YjA2OWZjZmY3NDU5ZjY2NzNiMjFjMTFlYTY3NDM5MDgzOTZkOTYxNQ==' \
--header 'Content-Type: application/json' \
--data-raw '{
    "app_id": "162************38",
    "out_trade_no": "out_no_142404850147916",
    "method": "PagoEfectivo",
    "order_amount": "1",
    "subject": "trade pay test",
    "order_currency": "PEN",
    "content": "trade pay test conent",
    "notify_url": "http://merchant/callback/success",
    "return_url": "https://www.merchant.com",
    "buyer_id": "22081022323",
    "timestamp": "2026-06-09 10:33:21",
    "customer": {
        "email": "[e-mail]"
    }
}'

User payment page

Note: 162************38 is pagsmile's test app id for sandbox, and MTYyNTgyOTIxNDUzMTY2Mzg6UGFnc21pbGVfc2tfZDUwMWQ1ZGNkNTI5OGQ5N2MwNmUzYjI4YjA2OWZjZmY3NDU5ZjY2NzNiMjFjMTFlYTY3NDM5MDgzOTZkOTYxNQ== is authorization token associated with the test app id.

Please use your own app_id and generate your own authorization token when testing.