Peru

Accept Pago Efectivo, BCP, PayCash, Payvalida and more in Peru with Onerway.

Peru has a growing digital payment ecosystem with strong preferences for cash-based and bank transfer payment methods. Local payment solutions like and are widely used for online transactions.

Payment service policies may change at any time and may vary by region. This page is for reference only and will be updated periodically.

At a Glance

Country

Peru (PE)

Currency

Peruvian Sol (PEN)

Minimum Amount

1 PEN

Refunds

✅

Chargeback

❌

Document Required

Document Requirements

Peruvian transactions require national identification for compliance purposes.

Document	Format	Description
	8–9 digits	National ID card

The identityNumber field accepts DNI. Full validation is performed automatically.

Local Payment Methods (LPMS)

Pago Efectivo is one of the most popular payment methods in Peru, allowing customers to pay using a voucher code (CIP) at thousands of locations including banks, ATMs, and retail stores.

Quick Comparison

Method	Type	Settlement	Refund	Chargeback	Best For
Pago Efectivo	Cash Payments	Up to 5 days	✅	❌	Banks, ATMs, retail outlets
BCP	Bank Transfer	Up to 5 days	✅	❌	BCP bank account holders
PayCash	Cash Payments	Up to 5 days	✅	❌	Convenience stores, banks
Payvalida	Bank Transfer	Up to 5 days	✅	❌	Wide agent network coverage

Integration Details

Field	Type	Description
`orderAmount`	string	Payment amount
`orderCurrency`	string	PEN
`country`	string	PE
`lpmsInfo`	string	Method-specific JSON
`firstName`	string	Consumer's given name
`lastName`	string	Consumer's family name
`email`	string	Consumer's email
`identityNumber`	string	DNI

Method	lpmsInfo
Pago Efectivo	`{"lpmsType":"PagoEfectivo"}`
BCP	`{"lpmsType":"BCP"}`
PayCash	`{"lpmsType":"PayCash"}`
Payvalida	`{"lpmsType":"Payvalida"}`

Type	API	User Flow
DIRECT	Payment API	Merchant → Payment Page
REDIRECT	Checkout API	Merchant → Onerway Checkout → Payment Page

DIRECT for custom checkout UI with full control.
REDIRECT for quick integration with Onerway's hosted payment selection.

Payment Method Details

Best for: Cash-preferring customers, those without bank accounts or credit cards.

Pago Efectivo is a voucher-based payment system that generates a CIP (Código de Pago Interbancario) code. Customers can use this code to pay at banks, ATMs, lottery houses, and retail outlets throughout Peru.

Pago Efectivo checkout interface showing CIP code generation

Feature	Value
Minimum Amount	5 PEN
Processing Time	Up to 5 days
Confirmation	Immediate
Refund	✅
Chargeback	❌

Best for: Customers with BCP bank accounts, instant bank transfers.

BCP (Banco de Crédito del Perú) is Peru's leading bank, holding nearly half of the market share. This integration enables instant payments directly from BCP accounts.

Feature	Value
Minimum Amount	5 PEN
Processing Time	Up to 5 days
Confirmation	Immediate
Refund	✅
Chargeback	❌

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