> ## Documentation Index
> Fetch the complete documentation index at: https://docs.v2.topup.com.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Bre-B Integration

> Instant Payments in Colombia

## What Is Bre-B?

**Bre-B** is the instant payment system from the **Bank of the Republic of Colombia**. It enables interoperable payments between financial institutions **in real-time, 24/7/365** with settlement in central bank money.

Through **TumiPay**, merchants can both accept and disburse funds using Bre-B. The platform supports:

* **Bre-B PayOut** for instant disbursements to individuals identified by a Bre-B key or interoperable QR. See [Colombia PayOut › Bre-B](./breb-payout) for the full flow.
* **Bre-B PayIn** for collecting funds from customers through Bre-B-enabled experiences. See [Colombia PayIn › Bre-B](./breb-payin) for request details and examples.

This service is gradually replacing **Transfiya** and provides higher interoperability, continuity, and operational efficiency for both inbound and outbound flows.

## Key Behaviors

* **Immediate settlement:** Transactions clear through MOL in central bank money within seconds.
* **24/7 availability:** Operates continuously, including weekends and holidays.
* **Key-based routing:** Payouts require resolving a Bre-B key via the centralized directory (DICE) before funds are sent.
* **Transaction ceiling:** The current limit per instruction is **\$11,552,000 COP**.
* **Interoperable QR:** Supports P2M experiences with a single QR that works across participating entities.
* **Secure connectivity:** Requests must include valid authentication headers and be sent over HTTPS.

## Implementation Checklist

1. **Enable Bre-B** with your TumiPay account manager and validate liquidity arrangements.
2. **Configure credentials** (Basic Auth + Token-Top) for the sandbox and production environments.
3. **Define webhook handling** for real-time status updates. Refer to [Webhooks](/api-reference/webhooks) for payload expectations.
4. **Plan key resolution** within payout flows to confirm destination accounts before disbursement.
5. **Validate with sandbox data** provided in the PayIn and PayOut guides before moving to production.

## Glossary of Terms

| Concept                          | Description                                                                                                                                                                                                                                         |
| -------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Bre-B Key**                    | A unique identifier that a customer (person or business) registers with their financial institution and links to an account or deposit. It can be a cell phone number, document, email, NIT, or an alphanumeric identifier generated by the entity. |
| **Business (P2M / B2P)**         | An actor that receives instant payments (P2M) and makes disbursements (B2P) to individuals. Each business registers its own key or generates interoperable QR codes to initiate charges.                                                            |
| **Centralized Directory (DICE)** | A service of the Bank of the Republic that ensures the uniqueness of keys and allows for resolving the associated destination account.                                                                                                              |
| **Bre-B QR**                     | An interoperable QR code for instant payments. It it enables **person-to-business (P2M)** payments.                                                                                                                                                 |

## Where to Go Next

* Follow the [Colombia PayOut › Bre-B](./breb-payout) guide to configure instant disbursements.
* Review the [Colombia PayIn › Bre-B](./breb-payin) guide for collection flows and example requests.
* Check the global [webhooks](../webhooks) documentation to manage status notifications.