PagoEfectivo

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:

1. Integrate with Payrails using one of our SDKs or our API
2. Configure a new integration account for PagoEfectivo via dLocal as a Payment Service Provider. If you do not have a dLocal integration already configured in your workspace, please follow the dLocal integration setup guide first.
3. Enable PagoEfectivo as a payment method in your dLocal integration configuration. In the Payrails portal, navigate to Settings → Integrations, select your dLocal integration instance, and enable the PagoEfectivo checkbox under Payment methods, then save the account.
4. Enable PagoEfectivo as a payment option in your workflow.
5. Make sure you're sending the PagoEfectivo-specific meta fields in your requests.

Ways to integrate PagoEfectivo

Payrails SDK

The simplest way to use PagoEfectivo with Payrails is to use our drop-in in your checkout flow. With this integration type, no additional work is required to accept payments with PagoEfectivo except for handling success/failure screens for your users.

For a more flexible implementation using our SDK, you can use our genericRedirectButton element. See special instructions here for your client-side implementation.

Server-to-server integration

You can integrate PagoEfectivo by completely managing your own client-side implementation, and using Payrails APIs with a server-to-server integration to process PagoEfectivo payments.

Parse PagoEfectivo from lookup response

With a server-to-server integration, you can call our lookup payment options endpoint to get available payment options. As shown in the example below, you can see pagoEfectivo returned as an option of the paymentCompositionOptions.

{
  "name": "lookup",
  "actionId": "0bb6413e-cabb-4074-99e6-9e815c69f25b",
  "executedAt": "2026-03-26T12:00:00.000000000Z",
  "data": {
    "paymentCompositionOptions": [
      {
        "integrationType": "redirect",
        "paymentMethodCode": "pagoEfectivo",
        "description": "PagoEfectivo"
      }
    ]
  },
  "links": {
    "execution": "https://api.payrails.io/merchant/workflows/payment-acceptance/executions/83c534ac-13b7-43e6-b04b-f3e8b4eb4424",
    "authorize": {
      "method": "POST",
      "href": "https://api.payrails.io/merchant/workflows/payment-acceptance/executions/83c534ac-13b7-43e6-b04b-f3e8b4eb4424/authorize"
    }
  }
}

Pass PagoEfectivo payment method in request to authorize payment with Payrails

You can then make a request to our authorize a payment endpoint with pagoEfectivo as the paymentMethodCode. See an example below:

{
  "executionId": "c0fd1c51-e709-47e5-bfd1-5d1c98f7d990",
  "amount": {
    "value": "10000",
    "currency": "PEN"
  },
  "paymentComposition": [
    {
      "integrationType": "redirect",
      "paymentMethodCode": "pagoEfectivo",
      "amount": {
        "value": "10000",
        "currency": "PEN"
      }
    }
  ],
  "meta": {
    "customer": {
      "name": "Carlos Quispe",
      "email": "[email protected]",
      "identityCardNumber": "12345678",
      "country": {
        "code": "PE"
      }
    }
  },
  "returnInfo": {
    "success": "https://mysuccessurl.com",
    "error": "https://myerrorurl.com"
  }
}

Note on amounts: PEN uses 2 decimal places. Amounts should be provided in the smallest currency unit — e.g., 10000 for S/100.00.

Note: 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

After the customer completes the payment, they will be redirected back to your success or error URL. You should then verify the payment status by checking the workflow execution status via the Payrails API or by listening to webhook notifications.

Supported currencies

PagoEfectivo via dLocal supports the following presentment currency:

• PEN — Peruvian Sol

Supported regions / countries

Customer regions

PagoEfectivo is available to customers based in:

• Peru 🇵🇪

Merchant regions

Merchants enabled for Peru can accept PagoEfectivo payments via dLocal.

Supported workflows and services