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Direct Link
All user-facing screens—including payment method selection, payment instructions, confirmation, and success messages—must be fully developed and managed by the integrator.
Supported payment methods
| Payment Method | Rail | Type | Expiration Time |
|---|---|---|---|
| PSE | pse | Payment Link | 10 minutes |
| Bancolombia | bancolombia | Payment Link | 10 minutes |
| Nequi | nequi | Push Notification | 15 minutes |
| BreB QR | breb_qr | QR Code | 5 minutes |
| BreB Key | breb_key | Key | 5 minutes |
Counterparty Information: For pse, the email address defined in the counterparty is used to authenticate the user in the PSE flow.For nequi, the phone number defined in the counterparty is used to send the push notification.
The expiration time varies depending on the payment method: For pse, payers have up to 10 minutes to open the link. Once opened, they have up to 25 minutes to complete the payment (this may vary depending on the bank).For bancolombia, payers have up to 10 minutes to open the link. Once opened, they have up to 25 minutes to complete the payment.For nequi, payers have up to 15 minutes toacceptorrejectthe R2P via push notification.
Direct Link lifecycle
1.
Create a counterparty using the payer’s information. This counterparty represents the origin of the payin transaction.
2.
Create a Money Movement using:
counterparty_id from the previous step as the source_idaccount_id where you want to receive the funds as the destination_idr2p_rail to be used for the charge.3.
Retrieve the Money Movement information and proceed with the appropriate user instruction:
4.
Wait for the user to finish the payment and display a confirmation or success screen.
5.
Money Movement status changes are communicated via Webhooks.
6.
Once the payment is successful, funds are credited to the associated Cobre Balance.
Actions performed on a Money Movement (Direct Link)
🔑 Create
🔍 Retrieval
Description: Money Movement Creation.
What to expect after the action: Money Movement is created in Cobre.
📘 Learn more:
What to expect after the action: Money Movement is created in Cobre.
📘 Learn more:
Direct Link Idempotency
Idempotency keys are valid for 24 hours.
How to Get Started
Before using this API
You need a Cobre Balance in Colombia
To be able to receive money, you must have a Cobre Balance account in Colombia.
Create the Counterparty
Before creating a Money Movement, you must create the Counterparty with the information of the payer.
Define the payment configuration
Decide which payment methods will be available, along with the amount, valid until date, and reference to be shown to the payer.
Implement Webhooks to track payment status
To stay informed about the status of Payin transactions, we strongly recommend implementing Webhooks. Webhooks notify your system when a payment is initiated, processed, completed, or failed. Also subscribe to the required events to receive notifications about transaction credits.See Notifications & Subscriptions for more details.
What to expect after using this API
Share the instructions
Once created, provide your end users with the appropriate payment instructions based on the selected payment method. This may include redirecting the user to a payment link, informing them about an upcoming push notification, or displaying a Bre-B Key or QR code to complete the payment.
End user completes the payment
The payer completes the transaction through the hosted experience.
Receive funds in your Cobre Balance
Once the payment is successful, funds are credited to your Cobre Balance and a Money Movement is updated.
Modified at 2026-02-17 01:41:41