1. Connect Accounts
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        • Colombia
          • PayOut
            • Counterparty | Create Metadata Type CC (CO)
            • Counterparty | Response Metadata Type CC (CO)
            • Counterparty | Create Metadata Type CH (CO)
            • Counterparty | Response Metadata Type CH (CO)
            • Counterparty | Create Metadata Type DP (CO)
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            • Counterparty | Create Metadata Type Breb Key (CO)
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            • Counterparty | Response Metadata Type Cobre Balance (CO)
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            • Counterparty | Create Metadata Type r2p (CO)
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          • Counterparty | Create Request (CO)
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          • PayOut
            • Counterparty | Create Metadata Type Clabe (MX)
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            • Counterparty | Create Metadata Type SPEI Card (MX)
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        • Colombia
          • Debit
            • Transaction | Debit FI (CO) (col_debit)
            • Transaction | Debit Cobre Balance (CO)
            • Transaction | Debit Breb (CO) (breb_debit)
          • Credit
            • Transaction | Credit Direct Debit (CO) (dd_credit)
            • Transaction | Rejected Breb (breb_rejected)
            • Transaction | Credit Top Up (CO) (col_top_up_credit)
            • Transaction | Credit FI (CO) (col_credit)
            • Transaction | Credit Cobre Balance (CO) (col_cb_credit)
            • Transaction | Credit Breb (CO) (breb_credit)
            • Transaction | Credit r2p (r2p_credit)
            • Transaction | Credit r2p Breb (CO) (r2p_breb_credit)
          • Transaction | Connect Obtain (CO)
          • Transaction | Cobre Balance Obtain (CO)
        • Mexico
          • Debit
            • Transaction | Debit FI (MX) (mex_debit)
            • Transaction | Debit SPEI (MX) (spei_debit)
            • Transaction | Debit Internal SPEI (MX)
          • Credit
            • Transaction | Credit FI (MX)
            • Transaction | Credit SPEI (MX)
            • Transaction | Credit Internal SPEI (MX)
          • Transaction | Connect Obtain (MX)
          • Transaction | Cobre Balance Obtain (MX)
          • Transaction | Return SPEI (MX)
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        • Mexico
          • PayOut
            • Money Movement | Create Metadata Type SPEI
            • Money Movement | Response Metadata Type SPEI
          • Return
            • Money Movement Return | Create Request
            • Money Movement Return | Response Medatada Type SPEI
            • Money Movement Return | Create Response
        • Colombia
          • PayOut
            • Money Movement | Create Metadata Type Fast Pay
            • Money Movement | Response Metadata Type Fast Pay
            • Money Movement | Create Metadata Type ACH
            • Money Movement | Response Metadata Type ACH
            • Money Movement | Create Metadata Type Breb
            • Money Movement | Response Metadata Type ACH
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            • Money Movement Direct Link | Create Metadata Rail PSE
            • Money Movement Direct Link | Response Metadata Rail PSE
            • Money Movement Direct Link | Response Metadata Rail Bancolombia
            • Money Movement Direct Link | Response Metadata Rail Nequi
            • Money Movement Direct Link | Create Metadata Rail r2p Breb
            • Money Movement Direct Link | Response Metadata Rail r2p Breb
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            • Money Movement Direct Debit | Create Metadata
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          • Mexico
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          • Mexico
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          • Mexico
            • Account Conect | Create Metadata (MX)
            • Account Connect | Response Metadata (MX)
          • Colombia
            • Account Conect | Create Metadata (CO)
            • Account Connect | Response Metadata (CO)
          • Account Connect | Create Request
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        • Colombia
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  1. Connect Accounts

Managing Connect Accounts

Connecting to Financial Institution Accounts#

It is possible to seamlessly integrate your existing accounts at designated financial institutions with the Connect an Account endpoint. Cobre manages direct connections to the bank, efficiently handling intra-day balance inquiries and transaction management. Additionally, Cobre provides the capability to initiate money movements using any connected account.

Financial Institutions Providers Catalog#

For effective use of the Connect an Account endpoint, a provider ID is required along with the specification of an action. This ensures the API can accurately process your request.
Colombia
Mexico
List of all the financial institutions providers available in Colombia along with the available services.
CodeSupplierConnectBalancesTransactionsPayments
pr_col_1007Bancolombia
Yes
Yes
Yes
Yes
pr_col_1013BBVA Colombia
Yes
Yes
Yes
Yes
pr_col_1023Banco de Occidente
Yes
Yes
Yes
Yes
pr_col_1001Banco de Bogotá
Yes
Yes
Yes
Yes
Only the action connect within the accounts API is available for Financial Institution providers.
For more information about all the available providers in Platform V3, please refer to the Providers documentation.

Actions performed on a Connect Account#

🔑 Connect
🔍 Retrieval
✍️ Update
Description: Connect a Bank Account.
What to expect after the action: Connected Account in state connecting.
📘 Learn more: 🔗 Connect an Account

Connected Account transactions#

🔍 Retrival
Description: 🔎 Get all transactions related to all Connected Accounts, or to a specific Connected Account. Also get a specific transactions details.
What to expect after the action: List of transactions information (i.e. debits and credits) or a specific transaction information.
📘 Learn more:
Obtain all client transactions
Obtain all Account Transactions
Obtain one Transaction

How to Get Started#

Before you begin, we recommend having clarity on the preliminary steps required before using this solution.

Before using this API#

1
Before connecting a Connect Account, ensure the papework is sorted out with the corresponding bank
Ask to your KAM to help you with the paperwork required to notify the bank that your company is fine with Cobre connecting the account.
2
When connecting a Connect Account, use the right provider_id according to the bank of the account
Use the rigth provider based on the bank of account. See the above section Financial Institutions Providers Catalog for more details.
3
Subscribe to transaction notifications
Subscribe to transaction notifications to receive information about:
Transaction credits (e.g., accounts.balance.credit)
Transaction debits (e.g., accounts.balance.debit)
See Notifications & Suscriptions for more details

What to expect after using this API#

1
Start moving money
Send money (ACH transfers only)
to local accounts - see Local Payouts guides in Colombia and Mexico
to Cobre Balances - follow the above guides and just use a Cobre Balance as destination
in bulk operations to local accounts - see Bulk Money Movements guide
in scheduled sweeps from multiple Connected Accounts to a Cobre Balance or to a local account - see Money Movement Scheduler guide
Receive money
from a Cobre Balance transfer - follow the Local Payouts guides and use a Cobre Balance as origin and the connected account as destination
2
Get transaction information on demand
Use the Connected Account transactions endpoints specified in the corresponding section in this guide to get the debits and credits that affected the Conneted Accounts balance.
Modified at 2026-01-09 01:37:23
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