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.

Response Fields

Field	Description
reference_url	Link to redirect the customer to the payment provider's hosted checkout page, where they select their bank and complete the transfer. This is the `external_link` referenced in Expected Behavior above.

Expiry

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

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" }, "merchant_customer_id": "customer@email.com", "merchant_order_reference": "ORDER-2026-0001", "merchant_transaction_reference": "TRX-2026-0001", "payment_method": "bank_transfer", "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_url": "https://pay.com/v2/pay/20260205-1606-4c98-9954-07972623401d" }, "payment_method_reference": "129930", "transaction_id": "20260205-1127-4678-8883-5e4868d33e4e" }