PSE Payments

Accept payments through PSE, Colombia's real-time online bank transfer method. The buyer selects their bank, is redirected to the PSE/bank portal, and authorizes the debit there. You integrate only with the Getnet Web Checkout API, which orchestrates the bank selection and redirect.

This guide shows you how to create a payment intent for PSE. It also covers what happens during the bank redirect and how to resolve the final status asynchronously.

This document applies to the following country:

Colombia

How It Works

Use PSE to reach banked customers in Colombia who don't pay with a card. You need only a single integration with Web Checkout. Its key characteristics are:

Bank debit: the buyer pays from their own bank account.
Single integration: you integrate only with Web Checkout. Web Checkout looks up the available banks and displays the bank list in the checkout. It then uses the returned redirect_url to send the buyer to the bank.
Asynchronous: the payment stays in PENDING until the buyer authorizes the debit at their bank. Web Checkout then confirms it as approved or declined. You receive the final status through a webhook or by querying GET /payment-intent/{id}.
No refunds: PSE does not support total or partial refunds.

The end-to-end flow involves the buyer, your backend, the Getnet Web Checkout API, and SEP:

Before You Start

Make sure the following are in place before you integrate:

The seller has PSE enabled in the Web Checkout configuration.
You have generated your token as described in the Authentication document.
Your payments are in Colombian pesos (COP).

Step 1: Create the Payment Intent

Call the Web Checkout API to create a payment intent.

Endpoint
`POST /payment-intent`

Required fields

Field	Type	Description	Example
`order_id`	string	Unique order reference defined by the merchant.	`ORDER_PSE_97531`
`payment.currency`	string	Currency code. Must be `COP` for PSE.	`COP`
`payment.amount`	integer	Purchase amount in integer format, in cents.	`400`
`customer.email`	string	Customer's email address. Required for PSE (KYC).	`customer@email.com`
`customer.document_type`	string	Customer's document type (for example, `CC` or `NIT`). Required for PSE (KYC).	`NIT`
`customer.document_number`	string	Customer's document number. Required for PSE (KYC).	`50506468`

Optional fields

Field	Type	Description	Example
`configurations.3ds`	boolean	Controls 3D Secure authentication. Does not apply to PSE.	`false`
`configurations.preauthorization`	boolean	Indicates if the payment is a pre-authorization. Does not apply to PSE.	`false`
`configurations.card_verification`	boolean	Indicates if this is a card verification flow. Does not apply to PSE.	`false`
`configurations.success_url`	string	Redirect URL in case of successful payment. Overrides the seller configuration.	`https://www.mystore.com/checkout/success`
`configurations.error_url`	string	Redirect URL in case of an error during payment. Overrides the seller configuration.	`https://www.mystore.com/checkout/error`
`product[].product_type`	string	Product type.	`service`
`product[].title`	string	Product title.	`Suscripción mensual`
`product[].description`	string	Product description.	`Plan Pro - 1 mes`
`product[].value`	integer	Product value. Must match `payment.amount`.	`400`
`product[].quantity`	integer	Product quantity.	`1`
`customer.customer_id`	string	Customer identifier.	`customer_co_005`
`customer.first_name`	string	Customer's first name.	`Jose`
`customer.last_name`	string	Customer's last name.	`da Silva`
`customer.name`	string	Customer's full name.	`Jose da Silva`
`customer.phone_number`	string	Customer's phone number.	`573001234567`
`customer.checked_email`	boolean	Indicates whether the customer's email has been verified.	`true`
`customer.billing_address.street`	string	Name of a street.	`Avenida Siempre Viva`
`customer.billing_address.number`	string	Number that identifies the position of a building on a street.	`123`
`customer.billing_address.complement`	string	Address complement.	`Apto 601`
`customer.billing_address.district`	string	District or neighborhood.	`Centro`
`customer.billing_address.city`	string	City.	`Bogota`
`customer.billing_address.state`	string	State or department.	`DC`
`customer.billing_address.country`	string	Country code.	`CO`
`customer.billing_address.postal_code`	string	Postal or ZIP code.	`110111`
`soft_descriptor`	string	Payment description that appears on the customer's receipt.	`Tienda CO`
`expires_at`	string	Payment intent expiration. If omitted, the payment intent does not expire.	`1h`

Example Request

The following example creates a PSE payment intent for a customer in Colombia.

JSON

{
  "mode": "instant",
  "order_id": "ORDER_CO_PSE_001",
  "payment": {
    "currency": "COP",
    "amount": 5200
  },
  "product": [
    {
      "product_type": "physical_goods",
      "title": "Zapatillas deportivas",
      "description": "Zapatillas Adidas Ultraboost",
      "value": 5200,
      "quantity": 1
    }
  ],
  "customer": {
    "customer_id": "customer_co_001",
    "first_name": "Laura",
    "last_name": "Gómez",
    "name": "Laura Gómez",
    "email": "laura@example.co",
    "document_type": "CC",
    "document_number": "1032456789",
    "phone_number": "573001234567",
    "checked_email": true,
    "billing_address": {
      "street": "Carrera 7",
      "number": "72-41",
      "city": "Bogotá",
      "state": "Cundinamarca",
      "country": "CO",
      "postal_code": "110221"
    }
  },
  "pickup_store": false,
  "configurations": {
    "success_url": "https://store.example.co/checkout/success",
    "error_url": "https://store.example.co/checkout/error"
  }
}

JSON

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{
  "mode": "instant",
  "order_id": "ORDER_CO_PSE_001",
  "payment": {
    "currency": "COP",
    "amount": 5200
  },
  "product": [
    {
      "product_type": "physical_goods",
      "title": "Zapatillas deportivas",
      "description": "Zapatillas Adidas Ultraboost",
      "value": 5200,
      "quantity": 1
    }
  ],
  "customer": {
    "customer_id": "customer_co_001",
    "first_name": "Laura",
    "last_name": "Gómez",
    "name": "Laura Gómez",
    "email": "laura@example.co",
    "document_type": "CC",
    "document_number": "1032456789",
    "phone_number": "573001234567",
    "checked_email": true,
    "billing_address": {
      "street": "Carrera 7",
      "number": "72-41",
      "city": "Bogotá",
      "state": "Cundinamarca",
      "country": "CO",
      "postal_code": "110221"
    }
  },
  "pickup_store": false,
  "configurations": {
    "success_url": "https://store.example.co/checkout/success",
    "error_url": "https://store.example.co/checkout/error"
  }
}

Example 200/201 Response

A successful request returns the payment intent ID, the trade name and the redirect URL for the checkout.

JSON

{
  "payment_intent_id": "d4fb9559-09f3-43ac-8ba5-c0d786506ea9",
  "trade_name": "Tienda Colombiana",
  "redirect_url": "https://www.globalgetnet.com/hosted-web-checkout/eyJraWQiOi..."
}

JSON

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{
  "payment_intent_id": "d4fb9559-09f3-43ac-8ba5-c0d786506ea9",
  "trade_name": "Tienda Colombiana",
  "redirect_url": "https://www.globalgetnet.com/hosted-web-checkout/eyJraWQiOi..."
}

Step 2: Let the Buyer Select the Bank and Authorize the Payment

You don't send any additional request in this step. Web Checkout handles the PSE flow with SEP:

Web Checkout queries the available banks at SEP (bank lookup) and shows the bank list in the checkout.
The buyer chooses PSE as the payment method and selects their bank.
Web Checkout sends the operation to SEP and receives a redirect_url.
Web Checkout redirects the buyer to the PSE / bank portal, where the buyer authorizes the debit.
The checkout shows a waiting screen while the payment is processed asynchronously.

If the buyer does not authorize the payment or closes the browser, don't rely on the redirect. Use the webhook to get the final status.

Step 3: Confirm the Result

PSE is asynchronous. The payment stays in PENDING until the buyer authorizes the debit at their bank and SEP confirms it. Resolve the final status in one of two ways:

Webhook: receive the approved or denied notification (see payloads below).
Query: call GET /payment-intent/{id} to check the current status.

We recommend validating every webhook against GET /payment-intent/{id}.

Example Response — Pending/Waiting

The following payload shows a pending payment, with the result status Registered and the PSE status Pending.

JSON

{
  "payment_intent_id": "d4fb9559-09f3-43ac-8ba5-c0d786506ea9",
  "checkout_id": "7db15d1e-ea8b-4560-84d2-fb3d02179539",
  "order_id": "ORDER_CO_PSE_001",
  "mode": "instant",
  "seller": {
    "id": "d9c99f03-025c-4251-a9f5-de73ef593523",
    "trade_name": "Tienda Colombiana",
    "merchant_document": "900123456",
    "settings": {
      "notification_url_configured": true
    }
  },
  "payment": {
    "method": "pse",
    "amount": 5200,
    "currency": "COP",
    "result": {
      "payment_id": "2e0b7dd5-92da-4ef4-ad3b-0ba369ad0ef1",
      "status": "Registered",
      "pse": {
        "payment_id": "2e0b7dd5-92da-4ef4-ad3b-0ba369ad0ef1",
        "status": "Pending",
        "redirect_url": "https://payments.example.co/pse"
      },
      "redirect_url": "https://payments.example.co/pse"
    }
  }
}

JSON

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{
  "payment_intent_id": "d4fb9559-09f3-43ac-8ba5-c0d786506ea9",
  "checkout_id": "7db15d1e-ea8b-4560-84d2-fb3d02179539",
  "order_id": "ORDER_CO_PSE_001",
  "mode": "instant",
  "seller": {
    "id": "d9c99f03-025c-4251-a9f5-de73ef593523",
    "trade_name": "Tienda Colombiana",
    "merchant_document": "900123456",
    "settings": {
      "notification_url_configured": true
    }
  },
  "payment": {
    "method": "pse",
    "amount": 5200,
    "currency": "COP",
    "result": {
      "payment_id": "2e0b7dd5-92da-4ef4-ad3b-0ba369ad0ef1",
      "status": "Registered",
      "pse": {
        "payment_id": "2e0b7dd5-92da-4ef4-ad3b-0ba369ad0ef1",
        "status": "Pending",
        "redirect_url": "https://payments.example.co/pse"
      },
      "redirect_url": "https://payments.example.co/pse"
    }
  }
}

Example Response — Approved

The following webhook payload shows an approved payment, with the result status Authorized.

JSON

{
  "payment_intent_id": "d4fb9559-09f3-43ac-8ba5-c0d786506ea9",
  "checkout_id": "7db15d1e-ea8b-4560-84d2-fb3d02179539",
  "order_id": "ORDER_CO_PSE_001",
  "mode": "instant",
  "seller": {
    "id": "d9c99f03-025c-4251-a9f5-de73ef593523",
    "trade_name": "Tienda Colombiana",
    "merchant_document": "900123456",
    "settings": {
      "notification_url_configured": true
    }
  },
  "payment": {
    "method": "pse",
    "amount": 5200,
    "currency": "COP",
    "result": {
      "payment_id": "2e0b7dd5-92da-4ef4-ad3b-0ba369ad0ef1",
      "status": "Authorized",
      "pse": {
        "payment_id": "2e0b7dd5-92da-4ef4-ad3b-0ba369ad0ef1",
        "status": "Authorized",
        "redirect_url": "https://payments.example.co/pse"
      },
      "redirect_url": "https://payments.example.co/pse"
    }
  }
}

JSON

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{
  "payment_intent_id": "d4fb9559-09f3-43ac-8ba5-c0d786506ea9",
  "checkout_id": "7db15d1e-ea8b-4560-84d2-fb3d02179539",
  "order_id": "ORDER_CO_PSE_001",
  "mode": "instant",
  "seller": {
    "id": "d9c99f03-025c-4251-a9f5-de73ef593523",
    "trade_name": "Tienda Colombiana",
    "merchant_document": "900123456",
    "settings": {
      "notification_url_configured": true
    }
  },
  "payment": {
    "method": "pse",
    "amount": 5200,
    "currency": "COP",
    "result": {
      "payment_id": "2e0b7dd5-92da-4ef4-ad3b-0ba369ad0ef1",
      "status": "Authorized",
      "pse": {
        "payment_id": "2e0b7dd5-92da-4ef4-ad3b-0ba369ad0ef1",
        "status": "Authorized",
        "redirect_url": "https://payments.example.co/pse"
      },
      "redirect_url": "https://payments.example.co/pse"
    }
  }
}

Example Response — Denied

The following webhook payload shows a denied payment. In this example, the bank did not authorize the transaction.

JSON

{
  "payment_intent_id": "1f9f47ed-65cc-4fbf-a407-0f17df9a2e2c",
  "checkout_id": "5ab15d1e-ea8b-4560-84d2-fb3d02179537",
  "order_id": "ORDER_PSE_97531",
  "mode": "instant",
  "payment": {
    "method": "pse",
    "amount": 400,
    "currency": "COP",
    "result": {
      "payment_id": "47b9163c-64f3-41d1-8bd2-69512b9c1419",
      "status": "Denied",
      "transaction_datetime": "2026-07-08T12:03:00.000Z",
      "return_message": "Transaction not authorized by the bank"
    }
  },
  "created_at": "2026-07-08T11:58:00.000Z",
  "updated_at": "2026-07-08T12:03:00.000Z"
}

JSON

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{
  "payment_intent_id": "1f9f47ed-65cc-4fbf-a407-0f17df9a2e2c",
  "checkout_id": "5ab15d1e-ea8b-4560-84d2-fb3d02179537",
  "order_id": "ORDER_PSE_97531",
  "mode": "instant",
  "payment": {
    "method": "pse",
    "amount": 400,
    "currency": "COP",
    "result": {
      "payment_id": "47b9163c-64f3-41d1-8bd2-69512b9c1419",
      "status": "Denied",
      "transaction_datetime": "2026-07-08T12:03:00.000Z",
      "return_message": "Transaction not authorized by the bank"
    }
  },
  "created_at": "2026-07-08T11:58:00.000Z",
  "updated_at": "2026-07-08T12:03:00.000Z"
}

PSE Status Values

For PSE, the expected flow is PENDING → AUTHORIZED or DECLINED. Web Checkout confirms the final status and notifies you through the webhook.

Your webhook must be idempotent and handle duplicate notifications. Release the order only after the payment is approved.

Refunds

PSE does not support refunds, either total or partial.

On this page

PSE Payments

First Steps

Core Concept

Reference

Payment Guides

Alternative Payment Methods

(Deprecated) Legacy Checkout Brasil

PSE Payments

How It Works

Before You Start

Step 1: Create the Payment Intent

Example Request

Example 200/201 Response

Step 2: Let the Buyer Select the Bank and Authorize the Payment

Step 3: Confirm the Result

Example Response — Pending/Waiting

Example Response — Approved

Example Response — Denied

PSE Status Values

Refunds