Ecuador Banco Guayaquil

⚠️ Prior authorization required: To enable this payment method, please contact your account manager before proceeding with the integration.

Channel

Bank Transfer

Required Fields

Field	Description	Validation
first_name	Customer first name	Length >= 2 <= 50, RegEx `^\p{L}(?:[ '-]\p{L}+)$`
last_name	Customer last name	Length >= 2 <= 50, RegEx `^\p{L}(?:[ '-]\p{L}+)$`
email	Customer email	Length >= 5 <= 50, RegEx `^[a-zA-Z0-9._%+-]+@[a-zA-Z0-9.-]+\.[a-zA-Z]{2,}$`
phone	Customer phone number	Length = 10 or 12, RegEx `^(?:09\d{8}\|5939\d{8})$`
document_type	Document type	See document types listed below
document_number	Document number	See document types listed below

Document types

Document Type	Description	document_number validation
`CI`	Cedula de Identidad	10 digits including last digit checksum
`RUC`	Registro Único de Contribuyentes	13 numeric digits with check digit validation based on taxpayer type
`PP`	Passport	Must be a valid Ecuadorian passport

Response Fields

Field	Description
reference	Payment code ("Código de pago") the payer must provide at Banco Guayaquil (via the Corporate Collections / Monnet Pagos flow) to complete the deposit — see Payment Instructions below.

Expiry

Initiated transactions that are not completed, transition to an Expired state after 60 hours.

Payment Instructions

Steps to complete your payment.

Log in to your Online/Virtual Banking or mobile app and go to Pay Services.
Under Corporate Collections, search for Monnet Pagos and enter the payment code shown in the response.
Select your preferred payment method and verify the amount.
Enter your security code, confirm, and that's it — the transaction will be processed automatically.

Spanish:

Inicia sesión en tu Banca Virtual o aplicación móvil y ve a Pagar Servicios.
En Recaudaciones Empresariales, busca Monnet Pagos e ingresa el código de pago mostrado arriba.
Selecciona tu método de pago preferido y verifica el monto.
Ingresa tu código de seguridad, confirma y ¡listo!

curl --location 'https://api.paypaga.com/v2/transactions/pay-in' \ --header 'Content-Type: application/json' \ --data-raw '{ "amount": 1000, "country": "EC", "currency": "USD", "customer_ip": "120.29.48.92", "fields": { "document_number": "1710034065", "document_type": "CI", "email": "mail@mail.com", "first_name": "John", "last_name": "Doe", "phone": "0991234567" }, "merchant_customer_id": "customer@email.com", "merchant_order_reference": "ORDER-2026-0001", "merchant_transaction_reference": "TRX-2026-0001", "payment_method": "banco_guayaquil", "return_urls": { "failure_url": "https://merchant.com/payment-failure", "success_url": "https://merchant.com/payment-success" } }'

{ "expires_at": "2026-06-09T14:13:05.143073869Z", "instructions": { "reference": "11230573" }, "payment_method_reference": "129930", "transaction_id": "20260205-1127-4678-8883-5e4868d33e4e" }