Bre-B: Colombia’s Instant Payment System

Bre-B is Colombia’s new real-time payments platform launched by the Central Bank. It allows users to send and receive funds instantly via unique “Bre-B keys.”

Key Features

Bre-B Keys (Claves Bre-B): Users can register identifiers such as phone numbers, email addresses, national IDs, or randomly generated aliases. Each key is mapped to a specific financial account for instant transfers.

Cashouts to Bre-B Keys: Merchants can initiate withdrawals to a user’s Bre-B key instead of a traditional bank account number, streamlining the payout process and ensuring faster fund delivery.

Supported Bre-B Key Types (and bank_code)

Bank / Channel	Code	Notes
BREB (institution)	1184	Bank code listed in Colombia’s bank directory.
BREB Key — Phone	20000	bank_account and bank_branch must be empty. phone is required. account_type can be any value.
BREB Key — Email	20001	bank_account and bank_branch must be empty. email is required. account_type can be any value.
BREB Key — Document	20002	bank_account and bank_branch must be empty. document_id is required. account_type can be any value.
BREB Key — Random	20003	bank_branch must be empty. bank_account must contain the BRE-B random key string. account_type can be any value.

Cashout Validations for Colombia

To successfully process cashouts in Colombia, the following parameters and formats must be respected:

Field	Description / Format
login / pass	Merchant credentials for cashout API access
external_id	Merchant transaction ID (max length 100)
country	Must be CO
currency	COP or USD
amount	Numeric, up to two decimal places
document_id / document_type	Accepts CC, NIT, CE, or PASS, depending on user type
bank_code	1184
bank_account	Numeric format, length depending on the selected bank
account_type	C (checking) or S (savings)
beneficiary_name / beneficiary_lastname	Text fields, required
address	Optional, depending on method
phone	Must include country code +57
email	Optional, required only for certain payout methods

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