Ecuador Banco Guayaquil
Production
https://api.paypaga.com
Production
https://api.paypaga.com
POST
/v2/transactions/pay-in
⚠️ 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}+)*$ |
| 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 |
Expiry
Initiated transactions that are not completed, transition to an Expired state after 60 hours.
Payment Instructions
Steps to complete your payment.
- Access your Virtual Banking or mobile app, then sign in to the Personal section with your username and password. After that, select the Service Payments option.
- In the Corporate Collections section, search for Monnet Pagos and provide the payment code 11230573.
- Select your preferred payment method and make sure to verify the amount to be paid.
- Enter the corresponding security code, confirm the payment, and that's it! The transaction will be processed automatically.
Request
Body Params application/jsonRequired
Responses
Request Request Example
Shell
JavaScript
Java
Swift
curl --location 'https://api.paypaga.com/v2/transactions/pay-in' \
--header 'Content-Type: application/json' \
--data-raw '{
"amount": 1000,
"country": "EC",
"currency": "USD",
"payment_method": "banco_guayaquil",
"merchant_order_reference": "ORDER-2026-0001",
"merchant_transaction_reference": "TRX-2026-0001",
"merchant_customer_id": "customer@email.com",
"customer_ip": "120.29.48.92",
"fields": {
"first_name": "John",
"last_name": "Doe",
"email": "mail@mail.com",
"phone": 991234567,
"document_type": "CI",
"document_number": 1710034065
},
"return_urls": {
"success_url": "https://merchant.com/payment-success",
"failure_url": "https://merchant.com/payment-failure",
"cancel_url": "https://merchant.com/payment-cancelled"
}
}'Response Response Example
{
"transaction_id": "20260205-1127-4678-8883-5e4868d33e4e",
"payment_method_reference": 129930,
"expires_at": "2026-06-09T14:13:05.143073869Z",
"instructions": {
"reference": 11230573
}
}Modified at 2026-06-09 13:30:01