How does a PagoEfectivo payment work?
At checkout the shopper selects PagoEfectivo. The provider generates a CIP code for that transaction, shows it on screen and sends it to the shopper, with its expiry date. The code is used for one payment only. The shopper then pays it through whichever channel suits them.
In Peru, PagoEfectivo lists three channels: digital wallets, where the shopper pays the code from their balance; mobile banking, under the bill payment option; and agencies and agents, where the shopper pays in cash. In Ecuador the shopper can pay through online banking at banks such as Banco Pichincha and Banco Guayaquil, in cash at agent networks such as Mi Vecino and Facilito, or by scanning a QR code in the DeUna wallet. In Argentina the shopper can pay by DEBIN or through participating banks, or in cash at the Pago Fácil network.
Once the payment is made, PagoEfectivo confirms it to the collecting provider, which notifies the merchant by webhook, and the order moves from pending to paid. If the code is not paid in time it expires and the transaction is cancelled. The shopper does not need a card, and never shares bank details with the merchant.
Why does PagoEfectivo matter for merchants?
It reaches shoppers without cards. Many Peruvians do not pay online with a card, either because they do not have one or because they prefer not to enter card details on a website. PagoEfectivo lets them buy online and pay with cash or a bank transfer they already know how to make.
It has a wide payment network. When Paysafe completed its acquisition in September 2021, PagoEfectivo had more than 140,000 points of sale in Peru and Ecuador, and Paysafe named digital goods, travel and e-commerce among its main merchant segments.
It is adding a wallet. In August 2025 Paysafe launched the PagoEfectivo wallet in Peru, its first in the region, with top-ups, online payments, transfers and QR payments, and Perú Retail reported that it works with Yape and Plin.
It carries no card fraud exposure, because the shopper pays before the order is released, and it fits next to Yape and cards in a Peruvian checkout.
What can go wrong?
Unpaid codes are the main loss. Some shoppers generate a CIP code and never pay it, so the order expires and has to be released. Windows that are too short push shoppers to pay a code that has already lapsed, while windows that are too long tie up stock.
Limits depend on the channel. Paysafe lists a range of PEN 2 to PEN 3,724 in Peru and up to USD 941 in Ecuador, with lower caps at some banks and agents, for example PEN 700 at Interbank and PEN 1,000 at Kasnet. Large orders may not fit every channel.
Fulfilment timing matters. Because confirmation is asynchronous, merchants who ship goods when the code is created, rather than when it is paid, take on avoidable risk.
Refunds are another gap. A code paid in cash cannot be reversed, so money has to be returned by a separate transfer to an account the shopper provides. Duplicate codes for the same order can also confuse shoppers and reconciliation if they are not cancelled when a new one is issued.
How would Omno handle PagoEfectivo?
Omno would create the CIP code from the same payment request the merchant uses for other methods, show it in the hosted checkout with the payment instructions, or return it through Direct Links for merchants with their own checkout. The payment would stay pending until PagoEfectivo confirms it, and the final status would reach the merchant by webhook, which is the source of truth for releasing an order. Routing rules would choose the provider, and merchant rules would decide when to show PagoEfectivo, for example only for amounts within the channel limits. The routing-decision log would record which provider handled each code and when it was paid.