Chile API Introduction

Getting started

Use Sandbox for integration tests, then switch to Production when you go live. For merchant credentials and environment switching, see the integration guide. For request signing, see signature generation.

API reference

Area	Documentation
Transaction	Pay-in collection · Disbursement (pay-out)
Inquiry	Transaction status · Balance inquiry
Settlement	Settlement · Settlement SLA
Payment methods	Payment methods

Environment Configuration

Environment	Protocol	Media Type	Base URL
Sandbox	HTTPS	application/json	https://sandbox-gateway.smilepayz.com
Production	HTTPS	application/json	https://gateway.smilepayz.com

API Overview

Chile represents one of Latin America's most advanced digital payment ecosystems, characterized by high banking penetration, innovative fintech solutions, and a rapidly growing e-commerce sector. Our comprehensive API suite is specifically designed to address the unique requirements of the Chilean market.

Key Market Characteristics

1. High Banking Penetration: Chile boasts one of the highest banking penetration rates in Latin America, with over 80% of adults having access to formal financial services
2. Diverse Payment Methods: Support for major Chilean banks including Banco Estado, Banco de Chile, Banco Santander, and other leading financial institutions
3. Cash Payment Integration: Traditional cash payment methods remain popular, supported through our CASHIER_CL system
4. Robust Identity Verification: Comprehensive support for Chilean identity documents using TIN (Tax Identification Number), NID (National ID), FID (Foreigner ID), and PP (Passport)
5. Real-Time Processing: Advanced payment processing capabilities with immediate transaction confirmation
6. Regulatory Compliance: Full compliance with Chilean financial regulations and Central Bank requirements

Supported Payment Solutions

• Bank Transfers: Direct integration with major Chilean banks for secure and efficient fund transfers
• Cash Payments: Traditional cash payment collection through authorized payment centers
• Digital Wallets: Integration with emerging digital payment platforms
• Cross-Border Transactions: Support for international payment processing
• Real-Time Settlement: Immediate transaction processing and settlement capabilities

API Features

• Multi-Bank Support: Seamless integration with Chile's leading banking institutions
• Identity Verification: Comprehensive support for Chilean identity document types
• Account Type Flexibility: Support for CHECKING (current/checking) and SAVINGS (savings) account types
• Local Currency Processing: Native support for Chilean Peso (CLP) transactions
• Timezone Optimization: All timestamps optimized for Chile's UTC-3 timezone
• Security Standards: Bank-grade security with RSA digital signatures and encryption

Development Resources

Code examples

smilepayz-demo-java →

• PayInRequestDemo.java — Pay-in
• PayoutRequestDemo.java — Pay-out
• InquiryBalanceDemo.java — Balance inquiry
• InquiryOrderStatusDemo.java — Order / transaction status
• SignatureUtils.java — Signing helpers (minify, RSA-SHA256)

smilepayz-demo-python →

• pay_in_request_demo.py — Pay-in
• pay_out_request_demo.py — Pay-out
• balance_inquiry.py — Balance inquiry
• status_inquiry.py — Order / transaction status
• Tool_Sign.py — Signing helpers (minify, RSA-SHA256)

smilepayz-demo-node.js →

• pay_in_request_demo.js — Pay-in
• pay_out_request_demo.js — Pay-out
• inquiry_balance_demo.js — Balance inquiry
• inquiry_order_status.js — Order / transaction status
• SignatureUtils.js — Signing helpers (minify, RSA-SHA256)

smilepayz-sdk-php →

• PayInRequestDemo.php — Pay-in
• PayoutRequestDemo.php — Pay-out
• InquiryBalanceDemo.php — Balance inquiry
• InquiryOrderStatusDemo.php — Order / transaction status
• Signature.php — Signing helpers (minify, RSA-SHA256)

smilepayz-demo-cs →

• PayInRequestDemo.cs — Pay-in
• PayOutRequestDemo.cs — Pay-out
• BalanceInquiryDemo.cs — Balance inquiry
• OrderStatusInquiryDemo.cs — Order / transaction status
• SignatureUtils.cs — Signing helpers (minify, RSA-SHA256)

smilepayz-demo-golang →

• PayInRequestDemoV2.go — Pay-in
• PayoutRequestDemoV2.go — Pay-out
• BalanceInquiryDemoV2.go — Balance inquiry
• OrderStatusInquiryDemoV2.go — Order / transaction status
• SignatureUtils.go — Signing helpers (minify, RSA-SHA256)