Payout

• The amount does not support decimals.
• The minimum amount is 5,000 COP, and the maximum amount is 3,000,000 COP.
• When paymentType is NET_BANKING, the mobile number format must be +57xxxxxxxxx.
• When paymentType is TRANSFIYA, the user must have the Transfiya service activated and use their mobile phone number as the payout account (beneficiaryAccountNumber).

User Payment Instructions
• The user must first activate Transfiya in their banking application.
• After creating the transaction, the user will receive an SMS notification indicating that the payment has been received via Transfiya.
• If the user does not receive a message, they should check directly in the bank’s mobile application where Transfiya is activated.

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How to Activate Transfiya in Colombia

Although each bank has its own specific process, the following is a general step-by-step guide that most banks follow:

Download or update your bank’s mobile application.

Make sure the app is installed and up to date, then log in to your account.

Access the app using your username and password.

Look for the Transfiya option — usually found under “Transfers,” “Payments,” or “Special Services.”

Link your mobile number:
• Select the option to register or activate Transfiya.
• Enter your mobile number (it must be the one registered with your bank).
• Some banks may require you to confirm the link using a code sent by SMS.

Step-by-step guide on how to send and receive money via Transfiya

Error Code	Description	Error Field
CUENTA Y NIT NO CORRESPONDEN	The account holder and uploaded ID information do not match	beneficiaryType or beneficiaryId incorrect
CUENTA INACTIVA O BLOQUEADA	Inactive or locked account	beneficiaryAccountNumber, beneficiaryBankCode, or beneficiaryBankType incorrect
NUMERO CUENTA INVALIDO	Invalid account number	beneficiaryAccountNumber, beneficiaryBankCode, or beneficiaryBankType incorrect
PAGO RECHAZADO EN ACH, CUENTA NO EXISTE	ACH payment rejected — account does not exist	beneficiaryAccountNumber incorrect
IDENTIFICACION NO COINCIDE CON CUENTA CLIENTE	Identification does not match the customer account	beneficiaryType or beneficiaryId incorrect
NUMERO CUENTA NO EXISTE	Account number does not exist	beneficiaryAccountNumber, beneficiaryBankCode, or beneficiaryBankType incorrect
TIPO DE CUENTA NO VALIDO PARA BANCO DESTINO	Account type not valid for destination bank	beneficiaryBankType incorrect

curl --location --request POST 'https://apis.tdaypay.com/gateway/base/biz' \ --header 'method: payOut' \ --header 'signType: SHA512' \ --header 'serviceName: api.pay' \ --header 'mchId: 1416010331032883200' \ --header 'timestamp: 1631671670' \ --header 'sign: 32554324534545432543' \ --header 'Content-Type: application/json' \ --data-raw '{ "mchOrderId": "string", "amount": "string", "currency": "string", "purpose": "string", "beneficiaryName": "string", "beneficiaryEmail": "string", "beneficiaryMobile": "string", "beneficiaryAccountNumber": "string", "callbackUrl": "string", "docType": "CC", "docNumber": "string", "beneficiaryBankName (either name or value is acceptable)": "001", "beneficiaryAccountType": "CHECKING", "paymentType": "TRANSFIYA" }'

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