LatAm · Colombia
Nequi, Daviplata & PSE Payout Integration
Colombian remote workers and resellers hold dollar gift cards and need pesos. WePesa settles to Nequi and Daviplata wallets, or any Bancolombia, Davivienda or Nubank account.
You were paid in an Amazon, Steam or Apple card by a client abroad and you need COP in Nequi today — not a Western Union queue, not a marketplace stranger. This documents the Colombian payout leg end to end.
At a glance
What this rail delivers.
Median settle
7 min
Rails
Nequi · Daviplata · PSE
Daily ceiling
COP 40,000,000
Success rate
98.6%
How it works
From gift card to settled payout.
01
Lock the COP quote
Live USD/COP plus the card's rate, held for 10 minutes while you upload.
02
Enter the wallet or account
Nequi phone number, Daviplata line, or bank account plus cédula. We resolve and display the holder name before releasing.
03
Transfiya or ACH settles
Wallet transfers land in minutes over Transfiya. Bank accounts settle over ACH Colombia within the same business day.
Coverage
Providers, banks, and wallets we settle to.
| Destination | Type | Notes | Typical settle |
|---|---|---|---|
| Nequi | Wallet | Default rail — fastest in practice | 2–10 min |
| Daviplata | Wallet | Wide unbanked coverage | 5–20 min |
| Bancolombia, Davivienda, BBVA CO | Bank | ACH / PSE | Same business day |
| Nubank Colombia | Digital bank | Instant credit in practice | 5–15 min |
| USDT (TRC-20) | Crypto | Skip COP exposure entirely | ≈30s |
Limits & fees
Exactly what lands in your account.
| Tier | Per transaction | Per day | Rail fee |
|---|---|---|---|
| New seller | COP 2,000,000 | COP 2,000,000 | Absorbed |
| Cédula verified | COP 15,000,000 | COP 40,000,000 | Absorbed |
| Hub / pro trader | By agreement | By agreement | Absorbed |
| Above wallet cap | Auto-split | Bank transfer for excess | Absorbed |
Rail fees are absorbed by WePesa unless a row says otherwise. The quote you lock is the amount that settles.
Reliability
How we keep the rail up when the network isn't.
Wallet ceiling awareness
Nequi and Daviplata carry monthly balance caps. We check headroom before quoting and offer a bank leg when a wallet can't hold the amount.
Business-day handling for banks
ACH Colombia settles on business days. Weekend orders route to Nequi by default so you aren't waiting until Monday.
Name-match protection
Above COP 2,000,000, the account holder name must match your WePesa profile — the rule that stops sellers being talked into paying someone else's account.
Rate lock in a moving currency
The peso can swing intraday. The quote you accept is contractual; the FX movement is our exposure, not yours.
For builders
Trigger payouts programmatically.
POST /v1/payouts — Nequi
json
{
"rail": "nequi",
"destination": { "msisdn": "573001234567", "provider": "nequi" },
"source_card": { "brand": "steam", "face_value_usd": 100 },
"quote_id": "qt_10ce4b"
}
// 201 Created
{
"id": "po_7Rc4",
"status": "queued",
"amount_cop": 352000,
"beneficiary_name": "J. GOMEZ",
"eta_seconds": 420
}API access is available to verified Hub accounts. Sandbox keys are issued same day.
FAQ
What sellers ask about this rail.
Is Nequi faster than a bank transfer?+
Yes, considerably. Nequi and Daviplata land in minutes over Transfiya; bank accounts settle over ACH within the business day.
Do I need a cédula?+
Only above COP 2,000,000 per day, where local KYC guidance applies to our regulated partner.
Are rail fees deducted?+
No. The locked COP amount is what arrives — we absorb the Transfiya and ACH costs.
Can I pay out to someone else's Nequi?+
Only under COP 2,000,000. Above that the holder name must match your profile.
Do you cover Argentina, Chile or Peru?+
Not with local rails yet. USDT is the practical option there today, and Mexico runs over SPEI.
Sell a card for pesos.
Lock a quote, upload the card, watch the payout land. Escrow protected end to end.
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