Skip to main content

​
Welcome to 88Pay API Documentation

This documentation will help you understand the main flow to connect with 88Pay and start processing payments in your application. Whether you’re new to APIs or an experienced developer, this guide will walk you through everything you need to integrate our payment platform.
New to 88Pay? Start with our Quickstart Guide to make your first transaction in minutes.

​
What is 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.

​
Key Features

Multiple Payment Methods

Accept cards, cash, bank transfers, wallets, and crypto payments

Multi-Country Support

Operate in 13+ countries across Latin America

Real-time Webhooks

Get instant notifications for all transaction events

​
How Does It Work?

The 88Pay integration follows a simple 5-step flow:
1

Get your API Key

Your API key and merchant ID are your unique identifiers to access our services.👉 Obtain them in the 88Pay Portal.
2

Generate an Authentication Token

Use your API key and merchant ID to generate a short-lived token (valid for 60 seconds).This token, together with the session_id, is required in all subsequent API requests.
3

Create an Operation

With a valid token, you can call any of our payment endpoints:
  • Card charges
  • Cash payments
  • Bank transfers
  • Cashouts
  • And more…
Each operation requires specific parameters and returns a structured response.
4

Redirect or Confirm the Payment

Depending on the payment method:
  • Some flows (cards, wallets, cash) require redirecting your customer to an external page
  • Others (bank transfer, internal credit) can be confirmed directly through the API
5

Set up a Webhook

Configure a webhook endpoint on your server to receive real-time transaction updates.Possible statuses:
  • COMPLETED → Payment successful
  • REJECTED → Payment canceled, expired, or failed

​
Integration Overview

Integration overview sequence diagram

​
Supported Payment Flows

Accept payments from your customers through multiple methods:
  • Cards: Credit and debit cards (Visa, Mastercard, Amex)
  • Cash: Generate vouchers for payment at physical locations
  • Bank Transfers: Direct bank account transfers
  • Digital Wallets: Nequi, Daviplata, PayPal, and more
  • Crypto: USDT and other cryptocurrencies
Send money to your users or vendors:
  • Bank Transfers: Direct deposits to bank accounts
  • Digital Wallets: Instant wallet transfers
  • Cash Withdrawals: Generate withdrawal codes

​
Essential Concepts

Before diving into the integration, familiarize yourself with these key terms:

API Key

Your unique identifier to authenticate requests to our API

Merchant ID

Your unique merchant identifier in the 88Pay system

Access Token

Short-lived JWT token (60s) used to authorize API operations

Session ID

Unique session identifier required alongside the access token

Reference

Unique transaction identifier generated by 88Pay

Webhook

HTTP endpoint on your server to receive real-time notifications

​
Environments

88Pay provides two environments for development and production:
EnvironmentBase URLPurpose
Sandboxhttps://api-sandbox.88pay.ioTesting and development
Productionhttps://api.88pay.ioLive transactions
Always use the Sandbox environment for testing. Production credentials will not work in Sandbox and vice versa.

​
Next Steps

Ready to start integrating? Follow our step-by-step guides:

Quickstart Guide

Make your first transaction in under 10 minutes

Authentication

Deep dive into security and authentication

API Reference

Explore all available endpoints

Payment Methods

Learn about available payment options

​
Need Help?

Contact Support

Our team is here to help you integrate successfully
Join our Developer Community to connect with other developers and get real-time support.