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Welcome to 88Pay

88Pay is a comprehensive payment platform that enables businesses to accept and send payments across Latin America. We support multiple payment methods including cards, cash, bank transfers, digital wallets, and cryptocurrencies.
New to 88Pay? Start with our Quickstart Guide to process your first transaction in minutes.

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Why Choose 88Pay?

Multiple Payment Methods

Cards, cash, bank transfers, wallets, and crypto in one integration

13+ Countries

Single API for all Latin American markets

Real-time Notifications

Instant transaction updates via webhooks

Simple Integration

RESTful API with comprehensive SDKs

Enterprise Security

PCI-DSS compliant with JWT authentication

Fast Onboarding

Start testing in sandbox within minutes

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How It Works

1

Get API Credentials

Obtain your API Key and Merchant ID from the 88Pay Dashboard after account approval.
2

Generate Access Token

Exchange your credentials for a short-lived JWT token (60s validity) with session ID.
3

Create Transaction

Call the appropriate endpoint for your payment method (cards, cash, transfers, etc.).
4

Handle Payment Flow

Redirect customers to checkout (cards/wallets) or confirm directly via API (transfers).
5

Receive Webhook

Get real-time notifications when transactions complete, fail, or expire.

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Integration Overview

88Pay integration flow diagram

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Supported Operations

Accept payments from customers:
Visa, Mastercard, and American Express. Instant processing with 3D Secure support.
Generate payment vouchers for 500+ physical locations (OXXO, Pago Fácil, Baloto).
Direct account-to-account transfers with automatic reconciliation.
Nequi, Daviplata, PayPal, Mercado Pago, and regional wallets.
USDT (TRC20/ERC20) and other stablecoins.

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Key Concepts

API Key

Long-lived credential for authentication (never expires unless rotated)

Merchant ID

Your unique identifier in format MCH-{COUNTRY}-{ID}

Access Token

JWT token valid for 60 seconds, generated on-demand

Session ID

Paired with access token for request tracking

Reference

Unique transaction ID (e.g., IP9BD7CJES6)

Webhook

Your HTTPS endpoint to receive transaction status updates

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Environments

Base URL: https://api-sandbox.88pay.io
  • Test without real money
  • Separate credentials from production
  • Use test cards and accounts
  • Instant approvals
    # Sandbox credentials format
    API Key: sk_test_...
    Merchant ID: MCH-COL-TEST...
Credentials are environment-specific. Sandbox keys will not work in production and vice versa.

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What You’ll Learn

Getting Started

Complete your first transaction in 10 minutes

Authentication

Secure your API access with tokens

Integration Guides

Step-by-step implementation patterns

API Reference

Complete endpoint documentation

Payment Methods

Detailed guides for each payment type

Country Coverage

Market-specific requirements and methods

Dashboard

Manage transactions and settings

API Status

Real-time service monitoring

Support

Get help from our team

Discord Community

Connect with other developers

SDKs & Tools

Official libraries and integrations

Postman Collection

Ready-to-use API examples