Efecty

Efecty is a financial service provider that offers various financial services, such as money transfers, bill payments, and more.

The API integration supports Pay-ins and Payouts. Pay-ins generate a payment reference for cash deposits. Payouts let customers withdraw cash at an Efecty location. A webhook confirms all flows asynchronously.

Requirements

Before you integrate Efecty, you need to:

Generate an access token through the Authentication endpoint.
Configure a public HTTPS callback_url to receive asynchronous status updates.
For Payouts: Ensure your merchant account has sufficient balance to cover the disbursement amount.

Important: Efecty is only available in Colombia and expects COP. Contact your Account Manager to enable this payment method for your seller account.

Use case specifics

When integrating any Getnet solution, market-specific requirements apply. Efecty is only available in Colombia and only for the COP and USD currencies. To learn more about the requirements for Colombia, review the resources below before you go live:

Characteristics

The table below summarizes the shared behavior and requirements for Efecty payments.

Capability	Details
Customer interaction	Redirect / Voucher: Customer receives a reference code to pay at a physical store.
Confirmation	Asynchronous: initial `PENDING` status, then `APPROVED` or `DECLINED` via webhook.
Notifications	Webhooks for asynchronous status updates when the cash payment is processed.

Available features

Use the matrix below to confirm the scenarios currently supported for Efecty.

Payment flow	Supported countries	Purchases	Refunds	Partial refunds	Pre-authorizations	Payouts
Redirect	Colombia	✅	❌	❌	❌	✅

Payment flow

This section guides you through the complete process of implementing Efecty payments. The diagram below provides an overview of the Efecty payment process:

Supported flow

Getnet currently supports this payment flow:

Efecty Payment (Deposit / Cash Pay-in): The user pays cash at an Efecty location. The flow is redirect/voucher-based.

Important: This operation is asynchronous; Getnet confirms the final state only when it receives the webhook.

1. Create the payment request

Call the Create – Authorize endpoint with the attributes below.

The table outlines the minimum fields required for an Efecty payment.

Attribute	Description	Required value
`payment_method`	Cash payment method	`CASH_PAYMENT`
`brand`	Brand's identifier	`EFECTY`
`callback_url`	Where status updates are sent	Your HTTPS endpoint
`amount`	Transaction amount in cents	Integer (e.g. `5000` for €50.00)
`currency`	ISO currency code	`COP` or `USD`
`order_id`	Merchant reference for reconciliation	Unique string

bash

curl --location --request POST '[https://api.pre.globalgetnet.com/dpm/payments-gwproxy/v2/payments](https://api.pre.globalgetnet.com/dpm/payments-gwproxy/v2/payments)' \
--header 'Content-Type: application/json' \
--header 'authorization: Bearer <your-token>' \
--data-raw '{
    "idempotency_key": "32f6208d-4be0-4430-a2cd-898b4b80f9c4",
    "request_id": "1d4daf69-ea17-4e5b-87c7-1f584eb52bc0",
    "order_id": "355413515499",
    "data": {
        "amount": 500001,
        "currency": "COP",
        "customer_id": "a354740d-bea2-46f7-8054-75823992a34c",
        "payment": {
            "payment_id": "1c41f4e1-5eab-41d4-a362-107b8308eb58",
            "payment_method": "CASH_PAYMENT",
            "brand": "EFECTY",
            "soft_descriptor": "EFECTY TESTE"
        },
        "additional_data": {
            "callback_url": "https://localhost:8080/notification/fake/1",
            "customer": {
                "email": "stevan.viapiana@getnet.net",
                "document_number": "50506468",
                "document_type": "uyci",
                "name": "Jose da Silva",
                "phone_number": "34700000000",
                "billing_address": {
                    "street": "R a",
                    "number": "1",
                    "district": "B",
                    "city": "City Z",
                    "state": "SP",
                    "country": "CO",
                    "postal_code": "05781000",
                    "complement": "N/A"
                }
            },
            "order": {
                "items": [
                    {
                        "name": "Item2",
                        "quantity": 1,
                        "sku": "sku1",
                        "price": 500001
                    }
                ]
            }
        }
    }
}'

bash

curl --location --request POST '[https://api.pre.globalgetnet.com/dpm/payments-gwproxy/v2/payments](https://api.pre.globalgetnet.com/dpm/payments-gwproxy/v2/payments)' \
--header 'Content-Type: application/json' \
--header 'authorization: Bearer <your-token>' \
--data-raw '{
    "idempotency_key": "32f6208d-4be0-4430-a2cd-898b4b80f9c4",
    "request_id": "1d4daf69-ea17-4e5b-87c7-1f584eb52bc0",
    "order_id": "355413515499",
    "data": {
        "amount": 500001,
        "currency": "COP",
        "customer_id": "a354740d-bea2-46f7-8054-75823992a34c",
        "payment": {
            "payment_id": "1c41f4e1-5eab-41d4-a362-107b8308eb58",
            "payment_method": "CASH_PAYMENT",
            "brand": "EFECTY",
            "soft_descriptor": "EFECTY TESTE"
        },
        "additional_data": {
            "callback_url": "https://localhost:8080/notification/fake/1",
            "customer": {
                "email": "stevan.viapiana@getnet.net",
                "document_number": "50506468",
                "document_type": "uyci",
                "name": "Jose da Silva",
                "phone_number": "34700000000",
                "billing_address": {
                    "street": "R a",
                    "number": "1",
                    "district": "B",
                    "city": "City Z",
                    "state": "SP",
                    "country": "CO",
                    "postal_code": "05781000",
                    "complement": "N/A"
                }
            },
            "order": {
                "items": [
                    {
                        "name": "Item2",
                        "quantity": 1,
                        "sku": "sku1",
                        "price": 500001
                    }
                ]
            }
        }
    }
}'

The response contains the redirect_url. Use it to redirect the customer to Efecty, or display the reference code. Getnet immediately stores the transaction as pending.

json

{
  "idempotency_key": "be278973-35eb-4c45-8619-2800d62b33b6",
  "seller_id": "2ab3e585-3607-467e-b2e8-420fcd45f48e",
  "payment_id": "772f951479c6514b1d9c4e8fd4808fe6",
  "order_id": "ORDER-10187383",
  "amount": "5000",
  "currency": "COP",
  "status": "PENDING",
  "payment_method": "EFECTY",
  "received_at": "2025-11-11T11:51:54.569Z",
  "redirect_url": "[https://efecty-payment-instructions.test/ref/XYZ123](https://efecty-payment-instructions.test/ref/XYZ123)",
  "transaction_id": "772f951479c6514b1d9c4e8fd4808fe6",
  "reason_code": "00",
  "reason_message": "Waiting for customer approval in Efecty."
}

json

{
  "idempotency_key": "be278973-35eb-4c45-8619-2800d62b33b6",
  "seller_id": "2ab3e585-3607-467e-b2e8-420fcd45f48e",
  "payment_id": "772f951479c6514b1d9c4e8fd4808fe6",
  "order_id": "ORDER-10187383",
  "amount": "5000",
  "currency": "COP",
  "status": "PENDING",
  "payment_method": "EFECTY",
  "received_at": "2025-11-11T11:51:54.569Z",
  "redirect_url": "[https://efecty-payment-instructions.test/ref/XYZ123](https://efecty-payment-instructions.test/ref/XYZ123)",
  "transaction_id": "772f951479c6514b1d9c4e8fd4808fe6",
  "reason_code": "00",
  "reason_message": "Waiting for customer approval in Efecty."
}

2. User experience flow

After you redirect the customer, the payment continues in these steps:

The customer lands on the third-party page and sees the payment instructions.
The customer completes the deposit offline using the code they receive.
After the customer completes the deposit offline, you receive a notification with the status.

3. Verify payment status

When the customer completes the payment, you receive a webhook notification with the updated payment status. You can also check the payment status using the Get Transaction endpoint.

Business rules

Efecty payments follow these rules:

payment_method must be CASH_PAYMENT (with brand set to EFECTY).
Currencies supported: COP.
Payment is an asynchronous operation.

Payouts

With the Efecty Payout solution, you can enable Cash Pickups. You disburse funds, and the beneficiary goes to any Efecty location in Colombia to withdraw the cash in person.

Characteristics

The table below summarizes the behavior and requirements for Efecty Payouts.

Capability	Details
Transaction type	Cash Disbursement (Merchant sends funds -> User picks up Cash).
Confirmation	Asynchronous — a webhook notification informs you when the user collects the cash.
Data requirements	Document Number (ID): Critical. The user must present their government ID at the store to collect the money.

Payout flow

The diagram below illustrates the business flow for an Efecty Payout:

1. Create the payout request

To initiate the transfer, call the Create Payout endpoint. You must specify the payment_method as CASH_PAYOUT and provide the customer's identity details.

Important: Make sure the customer.document_number matches the beneficiary's physical ID exactly. Otherwise, the branch denies them the withdrawal.

Sample Request:

bash

curl --location --request POST '[https://api.pre.globalgetnet.com/dpm/payments-gwproxy/v2/payouts](https://api.pre.globalgetnet.com/dpm/payments-gwproxy/v2/payouts)' \
--header 'Content-Type: application/json' \
--header 'x-seller-id: your-seller-id' \
--header 'country: CO' \
--header 'Authorization: Bearer <ACCESS_TOKEN>' \
--data-raw '{
    "idempotency_key": "payout-efecty-001",
    "request_id": "req-efecty-001",
    "order_id": "payout-ref-9988",
    "data": {
        "amount": 100000,
        "currency": "COP",
        "customer_id": "cust-002",
        "payment": {
            "payment_method": "CASH_PAYOUT",
            "brand": "EFECTY",
            "soft_descriptor": "PAYOUT MERCHANT"
        },
        "additional_data": {
            "callback_url": "[https://your-domain.com/webhook/payouts](https://your-domain.com/webhook/payouts)",
            "customer": {
                "email": "juan.perez@email.com",
                "document_number": "12345678",
                "document_type": "CC",
                "first_name": "Juan",
                "last_name": "Perez"
            }
        }
    }
}'

bash

curl --location --request POST '[https://api.pre.globalgetnet.com/dpm/payments-gwproxy/v2/payouts](https://api.pre.globalgetnet.com/dpm/payments-gwproxy/v2/payouts)' \
--header 'Content-Type: application/json' \
--header 'x-seller-id: your-seller-id' \
--header 'country: CO' \
--header 'Authorization: Bearer <ACCESS_TOKEN>' \
--data-raw '{
    "idempotency_key": "payout-efecty-001",
    "request_id": "req-efecty-001",
    "order_id": "payout-ref-9988",
    "data": {
        "amount": 100000,
        "currency": "COP",
        "customer_id": "cust-002",
        "payment": {
            "payment_method": "CASH_PAYOUT",
            "brand": "EFECTY",
            "soft_descriptor": "PAYOUT MERCHANT"
        },
        "additional_data": {
            "callback_url": "[https://your-domain.com/webhook/payouts](https://your-domain.com/webhook/payouts)",
            "customer": {
                "email": "juan.perez@email.com",
                "document_number": "12345678",
                "document_type": "CC",
                "first_name": "Juan",
                "last_name": "Perez"
            }
        }
    }
}'

Sample Response:

json

{
  "idempotency_key": "payout-efecty-001",
  "seller_id": "your-seller-id",
  "payment_id": "payout-efecty-trx-5566",
  "order_id": "payout-ref-9988",
  "amount": "100000",
  "currency": "COP",
  "status": "PENDING",
  "payment_method": "CASH_PAYOUT",
  "received_at": "2025-11-20T14:30:00.000Z",
  "reason_code": "00",
  "reason_message": "Payout registered. Waiting for beneficiary pickup."
}

json

{
  "idempotency_key": "payout-efecty-001",
  "seller_id": "your-seller-id",
  "payment_id": "payout-efecty-trx-5566",
  "order_id": "payout-ref-9988",
  "amount": "100000",
  "currency": "COP",
  "status": "PENDING",
  "payment_method": "CASH_PAYOUT",
  "received_at": "2025-11-20T14:30:00.000Z",
  "reason_code": "00",
  "reason_message": "Payout registered. Waiting for beneficiary pickup."
}

2. Verify payout status

Getnet processes the request asynchronously. Don't poll the API. Instead, listen for the Webhook notification sent to your callback_url.

APPROVED: The customer collected the cash at the branch.
DECLINED: The payout expired (was not picked up in time) or was cancelled.

For more information, see the following resource:

Review Authentication for token management and security best practices.

On this page

Efecty

Ecommerce

Card Present

Reference

Webhooks

Efecty

Requirements

Use case specifics

Characteristics

Available features

Payment flow

Supported flow

1. Create the payment request

2. User experience flow

3. Verify payment status

Business rules

Payouts

Characteristics

Payout flow

1. Create the payout request

2. Verify payout status

Read more