Collect a C2P payment

C2P is a three-step tenant flow: create an intent (bank SMS when supported), collect the customer’s token, then execute.

Three-step lifecycle

Request an intent
Send the amount, customer identity (cédula), phone, and bank code to POST /v1/payments/c2p/request. When supported, the gateway instructs the payer bank to SMS an OTP (`otpRequested: true`).
Collect the token
Ask the customer for the 6–8 digit OTP they received from their bank (or generated in their bank app when otpRequested is false).
Execute the charge
Send the token with the same payment details and returned intentId to POST /v1/payments/c2p.

1. Request an intent

curlbash

curl --request POST "${API_URL}/v1/payments/c2p/request" \
  --header "content-type: application/json" \
  --header "x-api-key: ${VEXPAY_API_KEY}" \
  --data '{
    "usdAmount": 12.50,
    "debtorId": "V12345678",
    "debtorCellPhone": "584121234567",
    "debtorBankCode": 102,
    "externalRef": "order_demo_1042"
  }'

2. Execute with the token

curlbash

curl --request POST "${API_URL}/v1/payments/c2p" \
  --header "content-type: application/json" \
  --header "x-api-key: ${VEXPAY_API_KEY}" \
  --data '{
    "intentId": "00000000-0000-4000-8000-000000000000",
    "usdAmount": 12.50,
    "debtorId": "V12345678",
    "debtorCellPhone": "584121234567",
    "debtorBankCode": 102,
    "token": "123456",
    "externalRef": "order_demo_1042"
  }'

JavaScriptjavascript

const payment = await fetch(
  `${process.env.API_URL}/v1/payments/c2p`,
  {
    method: 'POST',
    headers: {
      'content-type': 'application/json',
      'x-api-key': process.env.VEXPAY_API_KEY,
    },
    body: JSON.stringify({
      intentId,
      usdAmount: 12.5,
      debtorId: 'V12345678',
      debtorCellPhone: '584121234567',
      debtorBankCode: 102,
      token: customerProvidedToken,
      externalRef: 'order_demo_1042',
    }),
  }
);