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Overview

Digital wallets provide instant, mobile-first payment experiences. Popular in Latin America for their ease of use and accessibility.

Processing

Instant confirmation

Mobile First

Optimized for phones

No Card Needed

Wallet balance only

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Available Wallets

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Nequi

Users: 14M+ in ColombiaBank: BancolombiaFeatures:
  • QR code payments
  • P2P transfers
  • Bill payments
Max: 3,000,000 COP per transaction

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Daviplata

Users: 10M+ in ColombiaBank: DaviviendaFeatures:
  • Mobile wallet
  • No bank account required
  • Instant transfers
Max: 2,000,000 COP per transaction

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How It Works

88Pay integration flow diagram

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Create Wallet Payment

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Nequi Example

curl -X POST "https://api-sandbox.88pay.io/api/transactions/charges" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "x-session-id: YOUR_SESSION" \
  -H "Content-Type: application/json" \
  -d '{
    "flow": "PAYIN",
    "method_code": "NEQUI",
    "method_category": "WALLET",
    "amount": 50000,
    "currency": "COP",
    "country": "COL",
    "description": "Order #12345",
    "customer_id": "user_001",
    "notification_url": "https://yoursite.com/webhook",
    "return_url": "https://yoursite.com/success"
  }'

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Response

{
  "status": "Success",
  "code": 200,
  "data": {
    "urlCheckout": "https://link.88pay.io/nequi/ABC123",
    "reference": "IP9BD7CJES6",
    "amount": 50000,
    "currency": "COP"
  }
}

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Method Codes

Walletmethod_codecurrencyCountries
NequiNEQUICOP🇨🇴 Colombia
DaviplataDAVIPLATACOP🇨🇴 Colombia
PayPalPAYPALUSD, EUR, etc.Global
Mercado PagoMERCADOPAGOLocal currencyLATAM

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Customer Experience

1

Redirect

Customer redirected to wallet page
2

Push Notification

Notification sent to customer’s phone“Approve payment in Nequi app”
3

Open App

Customer opens wallet app
4

Review

Sees payment details:
  • Merchant name
  • Amount
  • Description
5

Authenticate

Enters PIN or uses biometric
6

Confirm

Payment processed instantly
7

Return

Redirected back to your site
Time: 30 seconds to 2 minutes

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Mobile Optimization

Wallets work best on mobile devices:

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Deep Linking

// Detect mobile and use deep link
function redirectToWallet(urlCheckout) {
  const isMobile = /iPhone|iPad|iPod|Android/i.test(navigator.userAgent);
  
  if (isMobile) {
    // Deep link opens wallet app directly
    const deepLink = urlCheckout.replace('https://', 'nequi://');
    
    // Try deep link first
    window.location.href = deepLink;
    
    // Fallback to web if app not installed
    setTimeout(() => {
      window.location.href = urlCheckout;
    }, 2000);
  } else {
    // Desktop: show QR code
    displayQRCode(urlCheckout);
  }
}

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QR Code for Desktop

function WalletPayment({ urlCheckout }) {
  const isMobile = useIsMobile();
  
  if (isMobile) {
    // Redirect to wallet
    return <Redirect to={urlCheckout} />;
  }
  
  // Desktop: show QR
  return (
    <div className="qr-payment">
      <h3>Scan with your phone</h3>
      <QRCode value={urlCheckout} size={256} />
      <p>Open Nequi app and scan this code</p>
    </div>
  );
}

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Transaction Limits

WalletMinMax Per TransactionDaily Limit
Nequi1,000 COP3,000,000 COP6,000,000 COP
Daviplata1,000 COP2,000,000 COP4,000,000 COP
PayPal$1 USD$10,000 USD$60,000 USD
Mercado PagoVariesVariesVaries

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Webhook Notifications

    {
      "transaction_status": "COMPLETED",
      "transaction_reference": "IP9BD7CJES6",
      "transaction_amount": "50000",
      "transaction_payment_method": "NEQUI"
    }
Action: Fulfill order immediately

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Best Practices

Display recognizable wallet logos in checkout
    <button onClick={() => payWithNequi()}>
      <img src="/logos/nequi.png" alt="Nequi" />
      Pay with Nequi
    </button>
    
    <button onClick={() => payWithDaviplata()}>
      <img src="/logos/daviplata.png" alt="Daviplata" />
      Pay with Daviplata
    </button>
Optimize checkout for mobile devices
  • Large touch targets (min 44x44px)
  • Simple, fast flow
  • Deep linking to apps
  • QR codes for desktop
Wallet payments can timeout if customer takes too long
    // Set 10-minute timeout
    const WALLET_TIMEOUT = 10 * 60 * 1000;
    
    setTimeout(() => {
      if (paymentStatus === 'PENDING') {
        showTimeoutMessage();
        offerToRetry();
      }
    }, WALLET_TIMEOUT);
Provide helpful message if wallet has insufficient funds
    {error.code === 'INSUFFICIENT_BALANCE' && (
      <div className="error">
        <p>Insufficient balance in your Nequi wallet</p>
        <ul>
          <li>Add funds to your Nequi account</li>
          <li>Try another payment method</li>
        </ul>
      </div>
    )}

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Testing

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Sandbox Behavior

  1. Redirects to mock wallet page
  2. Click “Approve” to complete
  3. Click “Reject” to decline
  4. Instant webhook sent
No real wallet account needed

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Common Issues

Causes:
  • Notifications disabled
  • App not updated
  • Phone offline
Solutions:
  • Show manual link to open app
  • Display QR code as fallback
  • Offer alternative payment method
Normal for:
  • Customer hasn’t approved yet
  • Phone is offline
  • Network issues
Action:
  • Wait up to 10 minutes
  • Send reminder notification
  • Allow customer to cancel and retry

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Next Steps

Webhooks

Handle payment notifications

Testing

Test wallet payments

Mobile Optimization

Optimize for mobile

API Reference

Technical documentation