1. México
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      • Colombia
        • PayOut
          • Counterparty | Create Metadata Type Cobre Balance (CO)
          • Counterparty | Response Metadata Type Cobre Balance (CO)
          • Counterparty | Create Metadata Type Breb Key (CO)
          • Counterparty | Response Metadata Type Breb Key (CO)
          • Counterparty | Create Metadata Type QR (CO)
          • Counterparty | Response Metadata Type QR (CO)
          • 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)
          • Counterparty | Response Metadata Type DP (CO)
        • PayIn
          • Counterparty | Create Metadata Type r2p (CO)
          • Counterparty | Create Metadata Type r2p Breb (CO)
          • Counterparty | Response Metadata Type r2p Breb (CO)
        • Secondary Counterparty
          • Secondary Counterparty Create Request (CO)
          • Secondary Counterparty Create Response (CO)
          • Secondary Counterparty Create Metadata Type NP (CO)
          • Secondary Counterparty Response Metadata Type NP (CO)
          • Secondary Counterparty Request Metadata Type LE
          • Secondary Counterparty Response Metadata Type LE (CO)
        • Direct Debit
          • Direct Debit Registration | Create
          • Direct Debit Registration | Response
          • Direct Debit Registration | List All Items
        • Counterparty | Create Request (CO)
        • Counterparty | Create Response (CO)
      • Mexico
        • PayOut
          • Counterparty | Create Metadata Type Clabe (MX)
          • Counterparty | Response Metadata Type Clabe (MX)
          • Counterparty | Create Metadata Type SPEI Card (MX)
          • Counterparty | Response Metadata Type SPEI Card (MX)
        • PayIn
          • Counterparty | Create Metadata Type r2p (MX)
          • Counterparty | Response Metadata Type r2p (MX)
        • Counterparty | Create Request (MX)
        • Counterparty | Create Response (MX)
      • Global
        • Counterparty | Global CP Request
        • Counterparty | Global Deposit NP request
        • Counterparty | Global Deposit NP response
        • Counterparty | Global Deposit LE request
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        • Counterparty | Global CP Response
      • USA
        • Counterparty | Create Request (USA)
        • Counterparty | Create Response (USA)
        • Request Medatata Business
        • Response Medatata Business
        • Request Medatata Individual
        • Response Medatata Individual
      • MEX Money Movement Return
      • Counterparty | List All Items
    • Transactions
      • Global
        • Transaction | Debit Cross Border
        • Transaction | Credit Cross Border
      • 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)
      • Transactions | Connect List All Items
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      • Authentication | Request
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      • Colombia
        • Cobre Key | Create Request
        • Cobre Key | Create Response
        • Cobre Key | Obtain Response
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    • Money Movements
      • Approvals
        • Money Movement Approvals | Create Request
        • Money Movement Approvals | Create Response
        • Money Movement Approvals | List All Items
      • 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
        • PayIn
          • Money Movement Direct Link | Create Metadata Rail r2p SPEI
          • Money Movement Direct Link | Response Metadata Rail r2p SPEI
      • Colombia
        • PayIn
          • 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
        • Direct Debit
          • Money Movement Direct Debit | Create Metadata
          • Money Movement Direct Debit | Response Metadata
        • 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 Bre-B
          • Money Movement | Response Metadata Type Bre-B
      • Global
        • Payout in stable
          • Money Movement | Create Metadata Type Global (stable)
          • Money Movement | Response Metadata Type Global (stable)
      • Money Movement | List All Items
      • Money Movement | Create Response
    • Accounts
      • Account Verification
        • Mexico
          • Account Verification Create Metadata Type mex_acc_details_1
          • Account Verification Response Metadata Type mex_acc_details_1
          • Account Verification Create Request
          • Account Verification Create Response
          • Account Verification Create Metadata Type mex_acc_ownership_1
          • Account Verification Response Metadata Type mex_acc_ownership_1
          • Account Verifications List All Items
        • Colombia
          • Account Verification Response Metadata Type col_key_details_1
          • Account Verification Create Metadata Type col_key_details_1
          • Account Verification Create Metadata Type col_key_ownership_1
          • Account Verification Response Metadata Type col_key_ownership_1
      • Account References
        • Account References Request
        • Account Reference Response
        • List all account references
      • Cobre Balances
        • Mexico
          • Cobre Balance | Create Metadata (MX)
          • Cobre Balance | Create Response (MX)
        • Colombia
          • Cobre Balance | Create Metadata (CO)
          • Cobre Balance | Create Response (CO)
        • Global
          • Cobre Balance | Create Metadata (Global)
          • Cobre Balance | Create Response (Global)
        • Cobre Balance | Create Request
        • Cobre Balances | List All Items
        • Account_request_PATCH
        • Account_request_CONNECT_PATCH
      • Daily Balance
        • Daily Balance Obtain Response
        • Daily Balance Historiy List All Items
      • Account Connect
        • 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
        • Accounts Connect | List All Items
    • Bulk Money Movement
      • Bulk Money Movement | Obtain Response
      • Bulk Money Movement Decision | Create Request
      • Bulk Money Movements | List All Items
    • Money Movement Scheduler
      • Money Movement Scheduler | Create Request
      • Money Movement Scheduler | Create Response
      • Money Movement Scheduler | List All Items
    • Checkout
      • Colombia
        • Checkout | Create Request
        • Checkout | Create Response
        • Checkout | List All Items
        • Checkout | Delete
    • Notifications
      • Subscription | Create Request
      • Subscription | Create Response
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    • Cross Border
      • Cross Border Money Movement
        • Cross Border Money Movement Create Request
        • Cross Border Money Movement Create Response
        • Cross Border Money Movement Obtain Response
        • Cross Border Money Movements List All Items
      • FX Quote
        • FX Static Quote
          • FX Quote Static | Create Request
          • FX Quote Static | Create Response
        • FX Rolling Quote
          • FX Quote Rolling | Create Request
          • FX Quote Rolling | Create Response
        • FX Quote | Create Request
        • FX Quote | List All Items
        • FX Quote | Metadata Quote Tiers
        • FX Quote | Metadata Penalization Tier
        • FX Quote | Metadata Fees Breakdown
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      • Download
        • Report Download Create Request
        • Report Download Create Response
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    • Error Model
      • Error-model
    • Report Scheduler
      • Report Schedulers | Create Request
      • Report Schedulers | Create Response
  1. México

Request to Pay (R2P)

API-Driven, Merchant-Owned Payment Experiences in Mexico#

Request to Pay (R2P) at Cobre is an API-only collection capability that allows businesses to request payments while fully owning the user experience. R2P enables merchants (or anyone interested in collecting) to design and control how customers select the payment rail and complete the payment, while Cobre orchestrates the underlying bank-native payment request.
R2P is ideal for companies that want maximum flexibility and brand control over their payment journeys.

1. What Cobre Enables with Request to Pay#

With Request to Pay, Cobre allows businesses to:
Initiate payment requests via API
Design and control their own payment UX
Collect funds directly into Cobre Balances
Track requests and outcomes through transactions and reports
R2P transforms Cobre into a payments orchestration layer, rather than a hosted checkout.

2. Payment Rails Available in Request to Pay#

Request to Pay in Mexico supports the following rail currently:

2.1 Virtual Dynamic CLABEs#

One-time-use virtual CLABE account reference
Time-bound and amount-specific
Shared directly with the payer
Immediate settlement upon authorization
Example:
703012345678901234
Contact your KAM to enable this feature

3. Webhook Notifications for Request to Pay#

Request to Pay at Cobre supports webhook notifications that allow businesses to receive real-time updates about the status of their payment requests. This enables merchants to react immediately to payment events without polling or manual checks.

What Webhooks Enable#

With webhooks, merchants can:
Receive notifications when a payment is completed successfully
Be informed of failed, expired, or canceled requests
Update order or invoice statuses automatically
Trigger downstream processes such as:
Order fulfillment
Service activation
Receipt generation
Internal reconciliation
Webhooks turn payment events into actionable signals for merchant systems.

Event-Driven Payment Updates#

Each Request to Pay has a lifecycle, and webhook events reflect meaningful changes in that lifecycle, such as:
Payment status
Processing = awaiting user payment
Completed = payment confirmed
Rejected = payment link expired or abandoned
Failed = technical issue
This ensures merchants always have near real-time visibility into payment outcomes.

How Webhooks Fit into the R2P Flow#

Conceptually:
1.
The merchant creates a Request to Pay via API
2.
The customer completes the payment through the selected rail
3.
Cobre processes and settles the payment
4.
A webhook event is sent to the merchant’s configured endpoint
5.
The merchant’s system consumes the event and takes action
This model supports asynchronous, scalable payment processing.

4. How R2P Works Conceptually#

From a high-level perspective:
1.
The business/merchant creates a payment request via API
2.
Cobre generates the required payment artifact:
Dynamic virtual CLABE
3.
The business/merchant presents this artifact to the user
4.
The user authorizes the payment through their bank
5.
Funds are credited to the merchant’s Cobre Balance
6.
Transactions and statuses are notified via webhook and available for tracking and reconciliation
The flow is bank-native, secure, and fully traceable.

5. Transactions, Reporting & Reconciliation#

Every successful R2P payment generates Transactions in Cobre that:
Credit the business/merchant’s Cobre Balance
Reflect the selected rail
Appear in transaction lists and balance statements
Support reconciliation and accounting workflows
Failed, expired, or canceled requests are also tracked for full lifecycle visibility.

6. Typical Use Cases for Request to Pay#

R2P is especially well suited for:
Custom e-commerce checkouts
Marketplaces with tailored payment flows
Embedded finance products
In-app payments
Omnichannel experiences (web, mobile, in-store)

7. Summary — What Cobre Delivers with Request to Pay#

With Request to Pay, Cobre enables:
API-only, business/merchant-owned payment flows
Dynamic virtual CLABE account references
Full UX flexibility and control
Unified transactions and reconciliation
Cobre Request to Pay empowers businesses to build custom, bank-native payment experiences while relying on Cobre for orchestration, security, and settlement.
Modified at 2026-03-06 22:49:47
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