Cash Vouchers

Accept cash payments at retail locations across Latin America

Overview

Cash voucher payment methods allow customers to pay for online purchases at physical retail locations using a reference code or printed voucher. These methods are critical in Latin America where a significant portion of the population is unbanked or prefers cash transactions.

Supported cash voucher methods:

• Efecty (Colombia) — Payment at Efecty points and partner locations
• PagoEfectivo (Peru) — CIP code for payment at banks and agents
• Rapipago (Argentina) — Payment at Rapipago locations
• Pago Facil (Argentina) — Payment at Pago Facil locations

For OXXO (Mexico), see the dedicated OXXO guide.

Efecty (Colombia)

Overview

Efecty is Colombia’s largest cash payment network with thousands of points of service across the country, including convenience stores, pharmacies, and dedicated Efecty locations.

Requirements

Field	Value	Description
country	CO	Colombia only
amount.currency	COP	Colombian Peso only
customer.email	Valid email	Voucher delivery
customer.document	CC or NIT	Colombian ID or tax ID

Creating an Efecty Payment

Node.js

const response = await fetch('https://api-sandbox.y.uno/v1/payments', {
  method: 'POST',
  headers: {
    'public-api-key': process.env.YUNO_PUBLIC_KEY,
    'private-secret-key': process.env.YUNO_PRIVATE_KEY,
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    checkout_session: 'session-id',
    payment_method: { type: 'EFECTY' },
    amount: { currency: 'COP', value: 75000 },
    country: 'CO',
    customer: {
      email: '[e-mail]',
      first_name: 'Carlos',
      last_name: 'Rodriguez',
      document: {
        document_type: 'CC',
        document_number: '1234567890',
      },
    },
  }),
});
const payment = await response.json();

import requests

response = requests.post(
    'https://api-sandbox.y.uno/v1/payments',
    headers={
        'public-api-key': YUNO_PUBLIC_KEY,
        'private-secret-key': YUNO_PRIVATE_KEY,
        'Content-Type': 'application/json',
    },
    json={
        'checkout_session': 'session-id',
        'payment_method': {'type': 'EFECTY'},
        'amount': {'currency': 'COP', 'value': 75000},
        'country': 'CO',
        'customer': {
            'email': '[e-mail]',
            'first_name': 'Carlos',
            'last_name': 'Rodriguez',
            'document': {
                'document_type': 'CC',
                'document_number': '1234567890',
            },
        },
    },
)
payment = response.json()

Efecty Response

{
  "id": "pay_efecty_abc123",
  "status": "PENDING",
  "payment_method": {
    "type": "EFECTY",
    "cash_voucher": {
      "reference": "9876543210",
      "voucher_url": "https://provider.com/voucher/abc123.pdf",
      "expiration_date": "2026-03-03T23:59:59Z",
      "instructions": "Present this reference at any Efecty point"
    }
  }
}

PagoEfectivo (Peru)

Overview

PagoEfectivo generates a CIP (Codigo de Pago Interbancario) code that customers use to pay at banks, agents, and participating stores across Peru.

Requirements

Field	Value	Description
country	PE	Peru only
amount.currency	PEN	Peruvian Sol only
customer.email	Valid email	CIP code delivery
customer.document.document_type	DNI or RUC	National ID or tax ID

PagoEfectivo Response

{
  "id": "pay_pe_abc123",
  "status": "PENDING",
  "payment_method": {
    "type": "PAGOEFECTIVO",
    "cash_voucher": {
      "reference": "CIP-12345678",
      "voucher_url": "https://provider.com/cip/abc123.pdf",
      "expiration_date": "2026-03-03T23:59:59Z",
      "instructions": "Pay using CIP code at any bank or agent"
    }
  }
}

Rapipago and Pago Facil (Argentina)

Overview

Rapipago and Pago Facil are Argentina’s two largest cash payment networks. They operate through thousands of payment points including convenience stores and dedicated service locations.

Requirements

Field	Value	Description
country	AR	Argentina only
amount.currency	ARS	Argentine Peso only
customer.email	Valid email	Voucher delivery
customer.document.document_type	DNI	Argentine National ID

Creating a Payment

Use RAPIPAGO or PAGO_FACIL as the payment method type:

{
  "checkout_session": "session-id",
  "payment_method": { "type": "RAPIPAGO" },
  "amount": { "currency": "ARS", "value": 5000 },
  "country": "AR",
  "customer": {
    "email": "[e-mail]",
    "document": {
      "document_type": "DNI",
      "document_number": "12345678"
    }
  }
}

Voucher Display and Customer Instructions

For all cash voucher methods, provide clear instructions to the customer:

1. Show the reference code prominently on the confirmation page
2. Provide the voucher PDF link for printing
3. Include expiration date so the customer knows the deadline
4. List accepted payment locations for the specific method

<div class="voucher-instructions">
  <h3>Pay at any {method_name} location</h3>
  <p>Reference: <strong>{reference}</strong></p>
  <p>Amount: <strong>{amount} {currency}</strong></p>
  <p>Expires: <strong>{expiration_date}</strong></p>
  <a href="{voucher_url}">Download voucher PDF</a>
</div>

Customers must pay the exact amount shown. Partial payments are not supported for cash vouchers. If the customer pays a different amount, the payment may fail to reconcile.

Expiration Handling

Cash voucher expiration varies by method:

Method	Typical Expiration	Configurable
Efecty	24-48 hours	Yes, via provider
PagoEfectivo	24-72 hours	Yes, via provider
Rapipago	24-72 hours	Yes, via provider
Pago Facil	24-72 hours	Yes, via provider

After expiration, the payment status transitions to EXPIRED and the reference code becomes invalid.

Settlement Timelines

Method	Country	Confirmation Time	Settlement Time
Efecty	CO	Same day or next business day	1-3 business days
PagoEfectivo	PE	Same day or next business day	1-3 business days
Rapipago	AR	Same day or next business day	2-5 business days
Pago Facil	AR	Same day or next business day	2-5 business days

Cash voucher refunds are not supported through the API. If a refund is needed, it must be handled through a manual bank transfer to the customer.

Response Handling

Synchronous Response

Cash voucher payments return PENDING status with voucher details:

{
  "id": "pay_abc123",
  "status": "PENDING",
  "payment_method": {
    "type": "CASH_VOUCHER",
    "voucher": {
      "reference": "REF-1234567890",
      "barcode": "base64-encoded-barcode",
      "instructions": "Pay at any authorized store",
      "expiration": "2026-03-12T23:59:59Z"
    }
  }
}

Webhook Events

Event	Status	Action
payment.succeeded	SUCCEEDED	Customer paid at store. Fulfill the order
payment.expired	EXPIRED	Voucher expired. Notify customer or create new payment

Send the voucher reference via email and SMS to improve payment completion rates. Include the expiration date prominently so customers know their deadline.