Transfer-In account references are real bank accounts created through our financial institution partner that you can generate and associate with a Cobre Balance account in Colombia. Their purpose is fund collection: you can share these account numbers with your payers so they can make transfers from any Colombian financial institution (Member of the ACH network), and the funds will be credited directly to the associated Cobre Balance account. You can have up to 300 accounts.
Each Transfer-In account is an account reference linked to a Cobre Balance account. When a payer makes a bank transfer to that account number, the transaction is processed and the funds become available in the associated Cobre Balance account. Through the Account Reference column, you can identify exactly which Transfer account received each transfer.A Transfer account can have three possible states throughout its lifecycle:
Enabled: The account is provisioned and ready to receive transfers. Payment instructions are available. Final status.
Disabled: The account creation failed. No account number is returned. Final status.
Processing: The account provisioning request is in progress. Temporary status — the account is not yet available to receive transfers.
If an account is in Disabled status, please try again. If the error persists contact support
Multiple references per account: A single Cobre Balance account can have several Transfer accounts associated with it, each assigned to a different payer.
Reference-level traceability: Every incoming transfer credit transaction includes the account number of the Transfer account that received it, making reconciliation and per-payer or per-purpose tracking straightforward.
How to Get Started with Transfer-In Accounts in the Portal#
Contact your KAM to enable this feature in the Portal
Step 1 – Verify you have a Cobre Balance account in Colombia#
Having an active Cobre Balance account in Colombia is a prerequisite before creating any Transfer accounts.
Go to the Account References sub-module and click + Create reference.
Step 3 – Associate the Transfer account to a Cobre Balance#
Select the Cobre Balance account you want to associate the Transfer account with, and set an alias to easily identify it in the Portal (for example, the payer's name or business unit).Alternatively, you can create the Transfer account directly from the Cobre Balance account you want to associate it with, via the Accounts screen.
Note: Transfer account creation is processed asynchronously. The account will appear in Processing status for a few seconds while Coopcentral provisions the account number. Once provisioned, the status will update to Enabled and the bank account number will be available to share with your payer.
Step 4 – Share the account details with your payer#
Once the Transfer account is Enabled, provide the following details to your payer so they can initiate the transfer from any bank or financial institution in Colombia:
Bank account number
Account type (savings or checking)
Bank name:
Account owner tax ID
Optionally, you can generate and download a PDF certificate directly from the Transfer account detail view. This document includes all payment instructions in a ready-to-send format.
Note: The account owner will always be Cobre (via Pexto Pagos NIT). Make sure your payers are aware of this before initiating the transfer.
Funds will arrive as Transfer Credit transactions in your Cobre Balance account.You can also monitor all transactions received by a specific Transfer account from the Account References sub-module. Click on any account in the list to open its detailed view.
Extra tip – Search and filter your Transfer-In accounts#
In the Account References screen, use the search option to filter your accounts by account number, alias, or associated Cobre Balance account (using the account ID).
Can I have multiple Transfer accounts for the same Cobre Balance? Yes. You can create multiple Transfer accounts associated with the same Cobre Balance, each assigned to a different payer or purpose.Can I delete/disable a Transfer account reference? No. Currently, Transfer account references cannot be deleted or disabled.Are Transfer accounts compatible with all banks in Colombia? Yes. They are compatible with any financial institution in Colombia connected to the ACH network.How long does it take for a transfer to be credited to my Cobre Balance? Once the transfer is received in the bank account, your Cobre Balance is credited near real time. Keep in mind that the transfer itself is subject to standard ACH processing cycles, which may take up to one business day depending on the originating bank and the time the transfer was initiated.Why does the account owner show a different name or tax ID than my company? Transfer accounts are provisioned under Pexto Pagos NIT, a Cobre entity. This is expected — your payers should be informed in advance that the destination account will appear under this name.
