Transfer-In
Transfer-In account references do not have an expiration date, so they can be used as many times as needed to receive incoming transfers.
Contact your KAM to enable Transfer-In
transfer_acc reference type.Allowed Combinations
| Cobre Balance Geo (source_id) | Provider ID | Account Reference Type |
|---|---|---|
| Cobre Balance Colombia | pr_col_1066 | transfer_acc |
Transfer-In Account Reference Lifecycle
connectivity.status field. This allows you to:connectivity.status | Description |
|---|---|
processing | An intermediate state indicating that the account creation request has been submitted and the provider is provisioning the account number. The account number is not yet available. |
enabled | The account reference was successfully provisioned and is now active and ready to receive transfers. The bank account number and account type are available in the metadata object. |
failed | The account reference creation failed. The bank account is not returned. |
Keep in mind that Transfer-In account reference creation is asynchronous, so creation requests will always return with connectivity.status: "processing". The final status must be checked later through the GET endpoint or via webhook once the reference transitions toenabledorfailedstatus.
Actions Performed on a Transfer-In Account Reference
🔑 Create
🔍 Retrieval
❌ Delete an Account Reference
Description: Transfer-In account reference creation.
What to expect after the action: An account reference is created with
📘 Learn more:
What to expect after the action: An account reference is created with
connectivity.status: "processing" and provisioned asynchronously by the provider. Once active, the bank account number is available in the metadata object.📘 Learn more:
Error Codes
| Error Code | Description |
|---|---|
REF000 | The reference creation has failed. Please try again. |
REF001 | The reference creation has failed. The provider of {source_id} is not valid for the reference type. Please select an account with a valid provider and try again. |
REF002 | The reference creation has failed. The reference type is not valid. Please enter a valid reference and try again. |
REF006 | The reference creation has failed. The {source_id} doesn't belong to the client initiating the request. Please initiate a request with an account belonging to the right client and try again. |
REF008 | The reference creation has failed. The account reference type you are trying to create is linked to a feature you have disabled. Please contact your KAM to enable this feature and try again. |
REF009 | The reference creation has failed. The provider you are trying to use to create the reference is not enabled. Please initiate a request with a valid provider_id and try again. |
REF010 | The reference creation has failed. The account {source_id} is not active. Please select an active account and try again. |
How to Get Started
Before using this API
Contact your KAM to enable Transfer-In
Transfer-In must be enabled for your account before you can use the
transfer_acc reference type.You need an active Cobre Balance in Colombia
To create a Transfer-In account reference, you must have an active Cobre Balance Colombia account (
pr_col_cobre provider).Define your collection model
Before creating account references, consider how you want to structure your collection flow. You can create one account reference per payer for precise attribution, or use a single account reference to collect from multiple payers.
Implement Webhooks to track account reference status and incoming transfers
To stay informed about changes in the lifecycle of a Transfer-In account reference and to be notified when funds are received, we strongly recommend implementing Webhooks. Webhooks notify your system in real time when an account reference is provisioned and when a transfer credit is applied to your Cobre Balance. Subscribe to the See Notifications & Subscriptions for more details.
accounts.balance.credit event to receive notifications about transactions, and to the transfer_acc.status.processing, transfer_acc.status.enabled, and transfer_acc.status.failed events to be updated about your accounts' creation process.What to expect after using this API
Share the bank account details with your payer
Once the account reference transitions to See Generate a Certificate for your Account Reference
enabled, retrieve the bank account number from the value field, the account type from metadata.account_type the bank from metadata.provider_id and the account owner NIT from metadata.account_holder_Id — with your payer so they can initiate the transfer from any Colombian financial institution.Start receiving transfers
Once the payer sends a bank transfer to the assigned account number, Cobre detects the incoming transfer and automatically credits the associated Cobre Balance. You will see a
transfer_credit type transaction in the Cobre Balance account linked to the reference. Use webhooks or the GET endpoint to obtain the transactions.Reconcile incoming payments
Each
transfer_credit transaction includes the payer's tax ID, payer name, payer bank, transfer date, and the account reference that received the funds — giving your finance team everything needed to reconcile collections accurately.Modified at 2026-05-14 20:04:27