Coverage
🇨🇴 Payments in Colombia
Every payment method and gateway Orchestrapay has integrated for Colombia.
Sources: Banco de la República and provider disclosures, 2024–2025.
How Colombia pays
Bank transfers lead online in Colombia. PSE (Pagos Seguros en Línea) lets shoppers pay directly from their bank account and is the backbone of Colombian e-commerce, while mobile wallets Nequi and Daviplata have brought tens of millions into digital payments. Cash is still everywhere: Efecty and Baloto agent networks let customers pay for online orders in cash, and cards (Visa, Mastercard) round out the mix, frequently paid in installments.
The central bank's new low-value instant system, Bre-B, is rolling out interoperable instant payments on top of this base. We cover the breadth that matters — PSE, Nequi and Daviplata, cash via Efecty/Baloto, and cards — through local acquiring for higher approvals, settling the peso (COP) into your base currency with FX and local compliance carried by licensed partners.
Why merchants run on us here
PSE bank transfers
Accept PSE, the pay-from-your-bank rail that anchors Colombian online checkout.
Nequi & Daviplata
Reach mobile-first shoppers via Nequi and Daviplata, Colombia's leading wallets.
Cash networks
Pay-in-cash for online orders through Efecty and Baloto agent locations.
Peso settlement & FX
Collect in COP and settle in your base currency, with FX and local compliance carried by licensed partners.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
StripeStripe (Enterprise)
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox Gateway
Airwallex
Braintree
CommerceHub
DLocal
Fiserve
Ebanx
NMI
Nuvei
OrbitalPayPal CommerceBuilt for enterprise
Everything it takes to run payments in Colombia
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Colombia like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Colombia through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the peso (COP) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Merchant of Record
Sell into Colombia, get paid internationally.
Use Orchestrapay as your merchant of record in Colombia: collect in the peso (COP) on local rails while we settle your revenue abroad in USD, past local capital controls — with the local entity, licensing and tax carried for you.
Explore Merchant of RecordReady to launch in Colombia?
Talk to our payments team about going live in Colombia — coverage, local acquiring, settlement and timelines for your business.