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Overview

The PayOut API for Colombia enables secure disbursements to bank accounts and digital wallets through multiple payment methods including standard bank transfers, TumiPay wallet, and Bre-B instant payments. Transactions are processed asynchronously with webhook notifications.

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Key Features

  • Multiple Disbursement Methods: BANK_TRANSFER,TUMIPAY, BREB
  • Currency: Colombian Peso (COP)
  • Asynchronous Processing: Background processing with webhook notifications
  • Instant Payments: Bre-B support for real-time transfers (24/7/365)
  • Wide Bank Coverage: Support for major Colombian banks and digital wallets

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Quick Reference

ParameterValueDescription
EndpointPOST /api/v1/payoutInitiate PayOut transaction
CurrencyCOPColombian Peso
Country CodeCOColombia
Auth RequiredYesToken-Top + Basic Auth
ProcessingAsyncStatus updates via webhook

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Request Parameters

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Required Fields

FieldTypeDescriptionExample
payment_methodstringDisbursement method"BANK_TRANSFER", "BREB", "TUMIPAY"
referencestringUnique transaction identifier from your system"3cNPNGbX7meiMppXzVz7g781ysektqq5X"
amountintegerTransaction amount in cents (minor currency unit)1000 (= $10.00 COP)
currencystringThree-letter currency code (ISO 4217)"COP"
countrystringTwo-letter country code (ISO 3166-1 alpha-2)"CO"
ipn_urlstringWebhook URL for transaction status updates"http://example.com/tu-webhook"
customer_dataobjectCustomer and account information (see below)-

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Customer Data Object

FieldTypeRequiredDescriptionExample
legal_docstring✅Customer’s legal document number"1002184990"
legal_doc_typestring✅Document type: CC, CE, PPN, NIT"CC"
phone_codestring✅Country calling code"57"
phone_numberstring✅Phone number without country code"3003540831"
emailstring✅Customer email address"johndoe@email.com"
full_namestring✅Customer full name"John Doe"
bankstring✅Destination bank code"BANCOLOMBIA", "NEQUI", etc.
account_numberstring✅Bank account number or wallet ID"3990000011"
account_typestring✅Account type: AHORRO, CORRIENTE"AHORRO"

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Response Structure

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Success Response

FieldTypeDescription
codestringResponse code ("01" = success)
statusstringTransaction status ("SUCCESS")
messagestringDescription of the response
dataobjectTransaction data object

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Data Object

FieldTypeDescription
ticketstringUnique transaction identifier (TumiPay ID)
datestringTransaction timestamp (YYYY-MM-DD HH:MM:SS)
transactionobjectTransaction details echo

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Transaction Status Flow

StatusDescription
PENDINGTransaction created, processing initiated
APPROVEDFunds successfully transferred to recipient
REJECTEDTransaction rejected by bank or validation failure

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Request Example

cURL
curl --request POST 'https://api-empresas.staging.tumipay.co/production/api/v1/payout' \
--header 'Token-Top: your_auth_token' \
--header 'Authorization: Basic your_auth_key' \
--header 'Content-Type: application/json' \
--data-raw '{
    "payment_method": "BANK_TRANSFER",
    "reference": "3cNPNGbX7meiMppXzVz7g781ysektqq5X",
    "amount": 1000,
    "currency": "COP",
    "country": "CO",
    "ipn_url": "http://example.com/tu-webhook",
    "customer_data": {
        "legal_doc": "1002184990",
        "legal_doc_type": "CC",
        "phone_code": "57",
        "phone_number": "3003540831",
        "email": "johndoe@email.com",
        "full_name": "John Doe",
        "bank": "EXAMPLE_BANK",
        "account_number": "3990000011",
        "account_type": "AHORRO"
    }
}'

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Response Example

{
    "code": "01",
    "status": "SUCCESS",
    "message": "Operacion exitosa",
    "data": {
        "ticket": "19kazMPNue2fOIp",
        "date": "2025-10-16 00:58:54",
        "transaction": {
            "reference": "3cNPNGbX7meiMppXzVz7g781ysektqq5X",
            "amount": 1000,
            "currency": "COP",
            "payment_method": "BANK_TRANSFER"
        }
    }
}

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Advanced Integration

For Bre-B integration to send money to digital wallets and bank accounts using unique identifiers, see Bre-B Integration.