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Introduction

PagoEfectivo uses a redirect-based payment flow. When a customer selects PagoEfectivo at checkout, they are redirected to PagoEfectivo’s hosted page where a payment code (CIP code) is generated. The customer then uses this code to pay at any supported bank, agent, or through internet banking. PagoEfectivo is a single-use payment method. This guide explains the process of integrating PagoEfectivo into your app or website using Payrails.

Pre-requisites

Before you start accepting PagoEfectivo payments with Payrails, there are a few requirements you must meet:

Ways to integrate PagoEfectivo

Payrails SDK

Server-to-server integration

Parse PagoEfectivo from lookup response

Pass PagoEfectivo payment method in request to authorize payment with Payrails

Note on amountsPEN uses 2 decimal places. Amounts should be provided in the smallest currency unit—for example, 10000 for S/100.00.
PagoEfectivo is a redirect-based, single-use payment method. After calling the authorize endpoint, the customer will be redirected to PagoEfectivo’s hosted page where a CIP payment code is generated. The customer pays using this code at a bank or agent. Once confirmed, the customer will be redirected back to the returnInfo.success URL. Make sure to provide valid returnInfo URLs in your authorization request.

Handle the redirect response

Supported currencies

PagoEfectivo via dLocal supports the following presentment currency:
  • PEN — Peruvian Sol

Supported regions / countries

Supported workflows and services

Last modified on September 28, 2026