The Unitary Movement feature lets you execute one-off financial transactions quickly and securely. Use it to send payments to counterparties, transfer funds between your own accounts, or collect payments through direct debit—all from a single, intuitive interface.With Cobre's Unitary Payment, you benefit from real-time validations, flexible payment rails (ACH and Fastpay), and built-in security through Multi-Factor Authentication (MFA) and approval workflows.
Before You Begin#
Make sure you have the following in place:Active Account Permissions: Your account must have the necessary permissions for the intended action (Creator or Admin role).
MFA Configured: Multi-Factor Authentication must be enabled via an authenticator app.
Counterparty Setup: Either add a counterparty in advance through the Counterparty section, or create one during the payment flow.
Tip: Saving counterparties in advance speeds up future payments—you won't need to re-enter their details each time.
Accessing Unitary Movement#
You can access Unitary Movement directly from the Cobre Portal Home page:1.
Log in to your Cobre Portal account.
2.
On the Home page, locate the movement type buttons at the top of the screen.
3.
Click Unitary movement to access single payment options.
Sending Money#
The Send Money feature allows you to make secure individual payments to counterparties or transfer funds between your own accounts. It supports both ACH and Fastpay rails, giving you flexibility based on your timing needs.Step-by-Step Instructions#
1.
Navigate to the Move money screen by clicking Unitary movement from the Home page, then selecting Pay.
2.
Select your source account in the "Pay from" field. Use the dropdown to search by account alias.
3.
Choose the destination in the "Pay to" field. You have two options:Counterparties: Select a pre-saved counterparty from the list.
Own accounts: Transfer funds between your own accounts (within the same currency and geography).
4.
Enter the amount. Minimum amounts: 100.00 COP (Colombia) or 1.00 MXN (Mexico).
5.
Add optional details in the Additional information section:Description: Add a note for your records (optional).
External ID: Add your own tracking reference (optional).
6.
Configure approval settings. The toggle at the bottom lets Admins control whether the transaction requires another user's approval.
7.
Click Continue to proceed to the Summary screen.
8.
Complete MFA verification using your authenticator app to confirm the transaction.
Security & Approvals#
Cobre's security framework ensures your transactions are protected at every step.User Permissions#
| Role | Capabilities |
|---|
| Creator | Can initiate payments. All transactions require approval from an Admin or Approver. |
| Admin | Can initiate and approve payments. Can toggle approval requirements unless Dual Control is enabled. |
MFA Requirements#
Multi-Factor Authentication is required for all actions, including initiating and approving transactions. Make sure your authenticator app is configured and accessible before starting a payment.
Troubleshooting#
| Issue | Solution |
|---|
| No accounts appearing | Verify your account permissions with your Admin. |
| Invalid amount error | Check minimum requirements: 100.00 COP or 1.00 MXN. |
| Approval unavailable | Ensure alternate approvers are configured, or contact Cobre support. |
Need Help?#
For additional support, visit our Troubleshooting & Support section, or contact our team through the help section in the portal or reach out to your account representative. 