Ecuador Bank Transfer

Channel

Bank Transfer

Supported Banks

This payment method includes the following banks:

Banco Guayaquil

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,}$`
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
`DL`	Driver's License	10 digits including last digit checksum
`PP`	Passport	Must be a valid Ecuadorian passport

Expected Behavior

The external_link returned in the API response must be used to redirect the customer to the payment provider’s hosted checkout page.
This URL does not correspond to a specific bank. Instead, the provider will display the available bank options and guide the customer through the payment process.

Expiry

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

OAuth 2.0

Client Credentials

Add the parameter

Authorization

to Headers，whose value is to concatenate the Token after the Bearer.

Example:

Authorization: Bearer ********************

Token URL: https://api.paypaga.com/oauth2/token

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": "bank_transfer", "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", "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" } }'

{ "transaction_id": "20260205-1127-4678-8883-5e4868d33e4e", "payment_method_reference": 129930, "expires_at": "2026-06-09T14:13:05.143073869Z", "instructions": { "reference_url": "https://pay.com/v2/pay/20260205-1606-4c98-9954-07972623401d" } }