Peru 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

Peru represents a dynamic and rapidly evolving digital payment ecosystem characterized by innovation, financial inclusion, and robust growth. Our comprehensive API solutions are specifically designed to address the unique characteristics of the Peruvian market.

Key Features

1. Comprehensive Payment Solutions: Support for multiple payment methods including cash payments through authorized payment centers (CASHIER_PE) and extensive bank network integration
2. Local Market Adaptation: Tailored solutions for Peruvian banking regulations, currency (PEN), and local payment preferences
3. Security and Compliance: Full compliance with Peruvian financial regulations and international security standards
4. Real-Time Processing: Instant transaction processing and status updates for enhanced user experience
5. Cross-Border Capabilities: Support for international transactions while maintaining local compliance
6. Developer-Friendly: Comprehensive SDKs, detailed documentation, and extensive code examples

Peruvian Market Characteristics

• Currency: Peruvian Sol (PEN)
• Timezone: UTC-5 (Peru Standard Time)
• Banking System: Extensive network of commercial banks, savings banks, and specialized financial institutions
• Payment Preferences: Strong preference for cash payments and traditional banking methods
• Regulatory Framework: Compliance with SBS (Superintendencia de Banca, Seguros y AFP) regulations

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)