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Available Payment Methods

88Pay supports 5 main payment categories across 13+ countries in Latin America.

Cards

Visa, Mastercard, AmexProcessing: Instant

Cash

OXXO, Baloto, Pago FácilProcessing: Up to 72 hours

Bank Transfers

Direct bank depositsProcessing: 1-3 business days

Digital Wallets

Nequi, Daviplata, PayPalProcessing: Instant

Crypto

USDT (TRC20/ERC20)Processing: ~10 minutes

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Method Compatibility Matrix

MethodCodeCategoryCurrencyPopular?
CardsCARDSCARDCOP⭐⭐⭐⭐⭐
NequiNEQUIWALLETCOP⭐⭐⭐⭐⭐
DaviplataDAVIPLATAWALLETCOP⭐⭐⭐⭐
Cash (Baloto)CASHCASHCOP⭐⭐⭐
Bank TransferBANK_TRANSFERBANKCOP⭐⭐⭐
USDTUSDTCRYPTOUSD⭐⭐
PayPalPAYPALWALLETUSD⭐⭐

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Quick Comparison

MethodSpeedUser ExperienceBest For
Cards⚡ InstantRedirect to checkoutE-commerce, subscriptions
Cash🕐 Up to 72hPrint voucher, pay at storeUnbanked customers
Bank Transfer📅 1-3 daysManual transferLarge amounts, B2B
Wallets⚡ InstantApp redirect/QR codeMobile users
Crypto⏱️ ~10 minSend to addressInternational, privacy

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Implementation Guide

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Basic Request Structure

All payment methods follow the same base structure: 
{
  "flow": "PAYIN",
  "method_code": "CARDS",        // Changes per method
  "method_category": "CARD",     // Changes per method
  "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" // Optional for some methods
}

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Method-Specific Codes

{
  "method_code": "CARDS",
  "method_category": "CARD",
  "return_url": "https://yoursite.com/success" // Required
}

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Customer Flow Comparison

Cards, Wallets, Crypto
88Pay integration flow diagram
Key Points:
  • Customer leaves your site
  • Payment processed on 88Pay page
  • Customer returns to your site
  • Webhook confirms status

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Choosing the Right Method

Recommended: Cards + Nequi (COL) / OXXO (MEX) / PIX (BRA)Why:
  • Cards: Instant, familiar to users
  • Local wallet/cash: Captures unbanked segment
Implementation:
    const methods = country === 'COL' 
      ? ['CARDS', 'NEQUI', 'CASH']
      : country === 'MEX'
      ? ['CARDS', 'CASH']
      : ['CARDS'];
Recommended: Cards onlyWhy:
  • Instant processing
  • Can request payment via email link
  • Best for recurring charges
Note: 88Pay doesn’t tokenize cards. Generate new payment link per billing cycle.
Recommended: Bank TransferWhy:
  • Lower fees for large amounts
  • Direct bank-to-bank
  • Preferred by businesses
Trade-off: 1-3 day processing time
Recommended: Cards + USDTWhy:
  • Cards: Universal acceptance
  • USDT: No forex fees, privacy
Note: USDT amount should be in USD equivalent
Recommended: Cash + Digital WalletsWhy:
  • Cash: No bank account needed
  • Wallets: Mobile-first, easy signup
Coverage: 40%+ of LATAM is unbanked

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Fees & Limits

Contact your account manager for specific fee structures. Fees vary by country, method, and volume.

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Typical Limits

MethodMin AmountMax AmountProcessing Fee
Cards$1 USD equivalent$5,000~2.9% + fixed
Cash$5$2,000~$1-2 fixed
Bank Transfer$10$50,000~$0.50-1%
Wallets$1$2,000~1-2%
Crypto (USDT)$10$100,000~1%
Limits vary by country and currency

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Testing in Sandbox

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Test Credentials per Method

Test Cards:
Card NumberResult
4111111111111111✅ Approved
4000000000000002❌ Declined
4000000000000069⏳ Pending
CVV: Any 3 digitsExpiry: Any future date
Complete testing guide →

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Method-Specific Guides

Cards

Visa, Mastercard, Amex integration

Cash Payments

OXXO, Baloto, Pago Fácil vouchers

Bank Transfers

SPEI, PSE, PIX, ACH transfers

Digital Wallets

Nequi, Daviplata, PayPal

Cryptocurrency

USDT on TRC20 and ERC20

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Next Steps

Create Operation

Implement payment creation

Country Coverage

See available methods per country

API Reference

Technical documentation

Testing

Test all payment methods