Allows you to create transaction requests of any type supported by OpenBanking LAFISE, detailing in the body of the request the type of transaction to be performed and placing in the corresponding details node.
Authentication is mandatory.
Conset is required.
| Time | Status | User Agent | |
|---|---|---|---|
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📢 Considerations
Initiate a Payment via creating a Transaction Request.
In OBL, a transaction request may or may not result in a transaction. However, a transaction only has one possible state: completed.
A Transaction Request can have one of several states.
Transaction Requests satisfy PSD2 requirements thus:
- A transaction can be initiated by a third party application.
- The customer is informed of the charge that will incurred.
- The call supports delegated authentication (OAuth)
📘 Transfers Types:
| Id | Code | Description |
|---|---|---|
1 | OwnAccounts | Transfer to own accounts |
2 | LocalBanks | Transfers to local bank |
3 | ThirdPartyAccounts | Transfer to third party account |
5 | ServicePayments | Service payments |
6 | CreditCardPayment | Credit card payment |
7 | Loans | Loan payment |
17 | FastShipping | Remittances Fastshipping to Nicaragua |
19 | CreditCardPrepaidRecharge | Recharge prepaid card |
23 | LocalRemittance | Local remittances to Panama |
26 | RefundTransaction | Fast shipping transaction reversal |
27 | ThirdPartyAccountsMultiple | Transfer to a third party account in bulk |
28 | InGroupRemittance | Remittances in LAFISE Group |
30 | CashToday | CashToday Transfers |
The following are examples of the different types of transfers:
🏦 Own Accounts:
Allows transfers between LAFISE Bank's own accounts.
Below please find the JSON body for an example request:
{
"transfer_type": "OwnAccounts",
"debit_description": "Debit description",
"to_transfer_to_own_accounts": {
"credit_description": "Credit description",
"to": {
"name": "Beneficiary Name",
"bank_code": "BLNI",
"account": {
"number": "100200300",
"iban": ""
}
},
"value": {
"currency": "USD",
"amount": 100.00
}
}
}🏦 Third Party Accounts
Allows you to make a deposit to an account of a client of LAFISE Bank.
Below please find the JSON body for an example request:
{
"transfer_type": "ThirdPartyAccounts",
"debit_description": "Debit description",
"to_transfer_to_third_party_accounts": {
"credit_description": "string",
"to": {
"name": "string",
"bank_code": "BLNI",
"account": {
"number": "string",
"iban": "string"
}
},
"value": {
"currency": "string",
"amount": 0
}
}
}🏦 Transfers in LAFISE Group
Allows you to make a transfer to an account in a LAFISE Group Bank (Nicaragua, Costa Rica, Panama, Dominican Republic or Honduras).
Below please find the JSON body for an example request:
{
"transfer_type": "InGroup",
"debit_description": "Debit description",
"to_transfer_to_in_group_accounts": {
"credit_description": "string",
"to": {
"name": "string",
"bank_code": "BLNI",
"account": {
"number": "string",
"iban": "string"
}
},
"value": {
"currency": "string",
"amount": 0
}
}
}🏢 Third Party Accounts Multiple
Allows multiple transfers to different LAFISE Bank accounts at the same time.
Note:The destination accounts must be in the same currency and in the same country; if the source account is different from the destination accounts, an exchange market is conducted.
Below please find the JSON body for an example request:
{
"transfer_type": "ThirdPartyAccountsMultiple",
"debit_description": "Debit description",
"to_transfer_to_third_party_accounts_multiple": [
{
"credit_description": "string",
"to": {
"name": "string",
"bank_code": "BLNI",
"account": {
"number": "string",
"iban": "string"
}
},
"value": {
"currency": "string",
"amount": 0
}
}
]
}💰 Service Payments Manual
Allows you to make a Manual service payment.
The endpoint must first be consumed to obtain the available services: Get Service.
Below please find the JSON body for an example request:
{
"transfer_type": "ServicePayments",
"debit_description": "Debit description",
"to_pay_service_manual": {
"service_id": 0,
"value": {
"currency": "string",
"amount": 0
},
"data_service_list": [
{
"key": "string",
"value": "string",
"type": "DateTime"
}
]
}
}💰 Service Payments Online
Allows you to make an online service payment.
The endpoint must first be consumed to obtain the available services: Get Service. and then the endpoint: Get Pending Payment. must be consumed to obtain the debt to be paid.
Below please find the JSON body for an example request:
{
"transfer_type": "ServicePayments",
"debit_description": "Debit description",
"to_pay_service_online": {
"service_id": 0,
"data_service_list": [
{
"key": "string",
"value": "string",
"type": "DateTime"
}
],
"debt_list": [
{
"debt": [
{
"key": "string",
"value": "string",
"type": "Currency"
}
]
}
]
}
}💳 Credit Card Payment
Allows the payment of a Banco LAFISE credit card.
Below please find the JSON body for an example request:
{
"transfer_type": "CreditCardPayment",
"debit_description": "Debit description",
"to_pay_credit_card": {
"card_number": "string",
"bank_id": "BLNI",
"value": {
"currency": "string",
"amount": 0
}
}
}💳 Credit Card Prepaid Recharge
Allows you to recharge a prepaid card of LAFISE Bank.
Below please find the JSON body for an example request:
{
"transfer_type": "CreditCardPrepaidRecharge",
"debit_description": "Debit description",
"to_recharge_prepaid_card": {
"card_number": "string",
"bank_id": "BLNI",
"value": {
"currency": "string",
"amount": 0
}
}
}🔃 Local Banks
Allows to send a transfer to a local bank through the payment methods corresponding to each country of the LAFISE Group.
Below please find the JSON body for an example request:
{
"transfer_type": "LocalBanks",
"debit_description": "Debit description",
"to_local_bank": {
"transfer_via": "TEF",
"transfers": [
{
"credit_description": "string",
"to": {
"local_bank_code": 0,
"name": "string",
"email": "string",
"address": "string",
"identification": "string",
"product_type": "CurrentAccount",
"account": {
"number": "string",
"iban": "string"
},
"phone_number": 0
},
"value": {
"currency": "string",
"amount": 0
},
"status": "Initialized",
"error_message": "string"
}
]
}
}🔃 Local Banks Online
Allows you to send a transfer to your local bank online using the payment methods corresponding to each LAFISE Group country.
By setting the option:is_debinetto true, the transaction becomes a SINPE direct debit.
Below please find the JSON body for an example request:
{
"transfer_type": "LocalBanks",
"debit_description": "Debit description",
"to_local_bank_online": {
"credit_description": "string",
"transfer_via": "TEF",
"to": {
"local_bank_code": 0,
"name": "string",
"email": "string",
"address": "string",
"identification": "string",
"product_type": "CurrentAccount",
"account": {
"number": "string",
"iban": "string"
},
"phone_number": 0
},
"value": {
"currency": "string",
"amount": 0
},
"operation_type": "Direct",
"is_debinet": true,
"from": {
"name": "string",
"last_name": "string",
"identification": "string",
"identification_type": "string",
"country": "BLNI"
}
}
}Local Banks Online SINPE MOBILE
- Considerations for the type of transaction:
- Allows you to make a transfer to a cell phone number affiliated with the service, whose destination account is located in the same financial institution as the originating customer.
- Origin and destination accounts must be affiliated to SINPE Mobile.
- The telephone number of the originating client is mandatory at the time of using the service, and is obtained from the LAFISE financial system data.
- It is only possible to transfer amounts between accounts with funds in local currency "Colones".\
- Monetary limits and commissions:
- Mobile payments ordered up to a daily accumulated amount of ₡100,000 at no cost to the customer. LAFISE may authorize the client a higher amount, and may also establish a commission charge on the amount exceeding the sum of ¢100,000.
Below please find the JSON body for an example request:
{
"transfer_type": "LocalBanks",
"debit_description": "Transferencia SINPE Movil",
"to_local_bank_online": {
"transfer_via": "SINPE_Mobile",
"credit_description": "Prueba SINPE Movil CRC",
"to": {
"phone_number": 85399900
},
"value": {
"currency": "CRC",
"amount": 100
}
}
}Catalogs Local Banks:
📘 Transfer method (transfer_via)
transfer_via)| Bank Code | Code | Description |
|---|---|---|
BLNI, BLPA, BLHN, BLRD | ACH | ACH transfer method |
BLHN | LBTR | Via Real Time Gross Settlement System (LBTR) |
BLRD | Instant_Payment | Instant Payment Transfer Method |
BLCR | SINPE | SINPE transfer method |
BLCR | SINPE_Mobile | SINPE Mobile transfer method |
📘 Product Type
| Code | Description |
|---|---|
CurrentAccount | Current account |
SavingAccount | Savings account |
CreditCard | Credit card |
Loan | Loan |
📘 Operation Type
| Code | Description |
|---|---|
RealTime | Real-time transfer |
Direct | Direct transfer or T+1 |
SinpeMobile | Sinpe Mobile Transfer |
💵 Loans Payment
Allows you to make a loan payment at LAFISE Bank.
Below please find the JSON body for an example request:
{
"transfer_type": "Loans",
"debit_description": "Debit description",
"to_pay_loan": {
"loan_number": "string",
"bank_id": "BLNI",
"value": {
"currency": "string",
"amount": 0
}
}
}📲 Fast Shipping (BLNI)
Allows you to send a money transfer through the fast transfer channel to Nicaragua, it can be originated from any country of the group (including Nicaragua).
This generates a message to the beneficiary with a unique withdrawal code to their phone via SMS or email, the beneficiary can withdraw the amount at an ATM or ServiRED.
Note:Consider shipping in multiples of C$100 Córdobas or U$20 Dollars, maximum shipping amount of C$15,000 Córdobas or U$480 Dollars.
The flow for a fast delivery from an outsourced consumer to an OpenBanking consumer varies, both flows are shown below:
Fast Shipping: Openbanking Customer flow:
Fast Shipping: Outsourced consumer flow:
Below please find the JSON body for an example request:
{
"transfer_type": "FastShipping",
"debit_description": "Debit description",
"fast_shipping": {
"beneficiary": {
"name": "string",
"last_name": "string",
"identification": "string",
"identification_type": "string",
"cell_phone": 0,
"mail": "string"
},
"amount": {
"currency": "string",
"amount": 0
},
"destiny_bank": "BLNI",
"funds_provenance": "string",
"funds_sending_reason": "string",
"relationship_beneficiary": "string"
}
}{
"transfer_type": "FastShipping",
"debit_description": "Debit description",
"fast_shipping": {
"manager": {
"name": "string",
"last_name": "string",
"identification": "string",
"identification_type": "string",
"country": "BLNI"
},
"beneficiary": {
"name": "string",
"last_name": "string",
"identification": "string",
"identification_type": "string",
"cell_phone": 0,
"mail": "string"
},
"amount": {
"currency": "string",
"amount": 0
},
"destiny_bank": "BLNI",
"funds_provenance": "string",
"funds_sending_reason": "string",
"relationship_beneficiary": "string"
}
}📨 Local Remittance (BLPA)
Allows you to send a money transfer through the local Remittance channel in Panama.
This generates a message to the beneficiary with a unique withdrawal code to his/her email, the beneficiary can withdraw the amount at a Bank branch or at a non-Bank branch.
The flow for the local remittance of an outsourced consumer is shown below:
Below please find the JSON body for an example request:
{
"transfer_type": "LocalRemittance",
"debit_description": "Debit description",
"to_local_remittance": {
"from": {
"name": "string",
"last_name": "string",
"identification": "string",
"identification_type": "string",
"country": "BLNI"
},
"to": {
"name": "string",
"last_name": "string",
"identification": "string",
"identification_type": "string",
"cell_phone": 0,
"mail": "string"
},
"value": {
"currency": "string",
"amount": 0
},
"funds_provenance": "string",
"funds_sending_reason": "string",
"relationship_beneficiary": "string"
}
}📲 Remittances in LAFISE Group (BLNI)
Allows you to send a money transfer through the fast transfer channel to Nicaragua, it can be originated from any country of the group (including Nicaragua).
This generates a message to the beneficiary with a unique withdrawal code to their phone via SMS or email, the beneficiary can withdraw the amount at an ATM or ServiRED.
Note:Consider money transfer in multiples of C$100 Córdobas or U$20 Dollars, maximum shipping amount of C$15,000 Córdobas or U$500 Dollars.
The flow for a fast delivery from an outsourced consumer to an OpenBanking consumer varies, both flows are shown below:
Intra-group remittance: Openbanking Customer flow:
Intra-group remittance: Outsourced consumer flow:
Below please find the JSON body for an example request:
{
"transfer_type": "InGroupRemittance",
"debit_description": "Debit description",
"to_in_group_remittance": {
"beneficiary": {
"name": "string",
"last_name": "string",
"identification": "string",
"identification_type": "string",
"cell_phone": 0,
"mail": "string"
},
"amount": {
"currency": "string",
"amount": 0
},
"destiny_bank": "BLNI",
"funds_provenance": "string",
"funds_sending_reason": "string",
"relationship_beneficiary": "string",
"occupation_beneficiary": "string"
}
}{
"transfer_type":"InGroupRemittance",
"debit_description":"Debit description",
"to_in_group_remittance":{
"manager":{
"name":"string",
"last_name":"string",
"identification":"string",
"identification_type":"string",
"country":"BLNI"
},
"beneficiary":{
"name":"string",
"last_name":"string",
"identification":"string",
"identification_type":"string",
"cell_phone":0,
"mail":"string"
},
"amount":{
"currency":"string",
"amount":0
},
"destiny_bank":"BLNI",
"funds_provenance":"string",
"funds_sending_reason":"string",
"relationship_beneficiary":"string",
"occupation_beneficiary":"string",
"beneficiary_geolocation_code":"string"
}
}💵 Cash Today
Enables the digitalization of cash deposited in authorized devices, automatically crediting the amount to the corresponding bank account. This multi-client transaction improves liquidity, provides secure and traceable operations, and simplifies cash management across businesses.
Note:For transactions with an indirect origin, a valid LAFISE account number must be provided. For direct transactions, the account number field should be set to 0.
Example Path Transaction Indirect:
/obl/v1/banks/BLCR/accounts/123456789/3/transaction-request-types/FREE_FORM/transaction-requests
Example Path Transaction Direct:
/obl/v1/banks/BLCR/accounts/0/3/transaction-request-types/FREE_FORM/transaction-requests
Below please find the JSON body for an example request:
{
"transfer_type": "CashToday",
"debit_description": "Debit description",
"to_cash_today": {
"Origin": "Indirect",
"device": {
"id": "string"
},
"client": {
"customer": "string",
"teller_name": "string"
},
"transactions": {
"receipt_number": "string",
"date": "string (date-time)",
"amounts":[
{"amount": "decimal","currency": "string"}
]
}
}
}{
"transfer_type": "CashToday",
"debit_description": "Debit description",
"to_cash_today": {
"Origin": "Direct",
"device": {
"id": "string"
},
"client": {
"customer": "string",
"teller_name": "string"
},
"transactions": {
"receipt_number": "string",
"date": "string (date-time)",
"amounts":[
{"amount": "decimal","currency": "string"}
]
}
}
}