Transfer-In

Collect Funds Through Bank Transfers in Colombia

Transfer-In allows Cobre clients to collect inter-company bank transfers in Colombia. Cobre provisions a real bank account through our financial institution partner, monitors incoming transfers automatically, and credits the associated Cobre Balance once funds arrive — turning manual transfers into a structured, trackable collection flow.

Key Terms

Transfer-In: A feature that lets you create real bank accounts via API and associate them to a Cobre Balance, so that transfers received in those accounts are credited automatically to it.

Account Reference: An object in Cobre used as a reference to receive funds that are automatically credited to the associated Cobre Balance. For Transfer-In, this reference is a real bank account number. You can set an alias to name your account reference under your payer's name.

Transfer Credit: A transaction type created automatically in Cobre's system when an incoming bank transfer is detected and matched to an active account reference.

Cobre Transfer-In Experience

Create an Account Reference

Create an account reference with type: Transfer Account. Cobre provisions a bank account and links it to the designated Cobre Balance. You can have up to 300 accounts.

Share payment instructions

Retrieve the account number, account type, bank, and account owner tax ID from the account reference and share them with your payer. Optionally, generate a signed PDF certificate with all this information ready to send.

Payer sends the transfer

The payer sends a bank transfer to the assigned account from any Colombian bank member of the ACH network.

Cobre detects and credits the transfer

Cobre detects the incoming transfer and automatically credits the associated Cobre Balance. A Transfer credit transaction is generated to reflect the incoming payment.

Obtain the transaction

Subscribe to the webhook event to be notified in real time when each credit is applied, or retrieve your transactions using the GET endpoint.

The account owner will always be Cobre (via Pexto Pagos NIT). Make sure your payers are aware of this before initiating the transfer.

1. What Cobre Enables with Transfer-In

With Transfer-In, Cobre allows businesses to:

Assign a dedicated bank account to each payer

Receive automated credits without manual reconciliation

Identify exactly which payer sent each payment

Collect funds from any Colombian bank via ACH or book-to-book transfers

Track incoming transfers directly at the balance and transaction level

Generate a PDF certificate with payment instructions to share with the payer

2. Transfer-In in the Cobre Model

A Transfer-In Account Reference is:

Directly associated with a specific Cobre Balance

Associated with a specific payer via an alias

Persistent and reusable — the same account can receive multiple transfers over time

When the payer sends a transfer to the assigned account:

Funds are credited directly to the linked Cobre Balance

A Transfer credit transaction is generated automatically to reflect the incoming payment

A webhook event is fired — clients subscribed to the event are notified in real time

Unlike Request to Pay or Checkout flows, no payment request needs to be created in advance. The payer initiates the transfer at any time using the assigned account number.

3. Speed & Settlement

Collections through Transfer-In are:

Subject to ACH processing cycles and settlement process in the recipient bank — not instant. Expected crediting times are as follows:

Same-bank transfers: credited the same day.

Transfers from other banks sent before 5:00 PM (COT): credited the same day.

Transfers from other banks sent after 5:00 PM (COT): credited the next business day, no later than 24 business hours after submission.

Once the transfer is received in the bank account, the associated Cobre Balance is credited near real time

Transfer-In is not instant in the same way as Bre-B or Nequi push flows. The ACH dependence introduces a delay between the moment the payer sends the transfer and the moment the credit is reflected in the Cobre Balance.

4. Typical Use Cases for Transfer-In

Transfer-In is well suited for:

Inter-company collections between known business counterparties

Supplier and vendor payments received into a central Cobre Balance

Platforms collecting from business clients that prefer traditional bank transfers over PSE, Bre-B, Nequi or Bancolombia button

5. Tracking & Reconciliation

For every incoming transfer, Cobre provides:

A Transfer credit transaction object with full transfer details.

Webhook notifications for real-time tracking

Transaction metadata may vary depending on the origin bank. However, most banks send the sender ID, which can be used for reconciliation purposes, to cover cases where the origin bank doesn't send the sender ID, we recommend to create a separate account per payer. Contact your KAM to get more details about how your bank behaves.

Finance teams can reconcile collections using the bank account number (Account Reference).

Transfer-In

Collect Funds Through Bank Transfers in Colombia#

Key Terms#

Cobre Transfer-In Experience#

1. What Cobre Enables with Transfer-In#

2. Transfer-In in the Cobre Model#

3. Speed & Settlement#

4. Typical Use Cases for Transfer-In#

5. Tracking & Reconciliation#