Bill Payments overview

Bill Payments let you settle utility bills, service subscriptions, tax obligations, and mobile top-ups on behalf of your users. The API connects to hundreds of companies across Argentina, Mexico, Colombia, Peru, and Chile. Payment is executed as a synthetic operation: funds are debited from the user's balance, converted if necessary, and forwarded to the biller in the local currency.

Bill types

Type	Behavior	`amount` in lock
`CLOSED`	Fixed amount set by the biller	Not required; amount comes from the bill
`OPEN`	Variable amount within a `minAmount`/`maxAmount` range	Required
`FIXED`	Choose from an `allowedAmounts` array	Required; must match one of the allowed values

Payment flow

Step	Endpoint	Purpose
Discover companies	`GET /v2/info/bill-companies`	List billers and their lookup methods
Fetch outstanding bills	`GET /v2/info/bill-companies/{code}/{methodId}/{type}/{refId}`	Retrieve payable bills for a reference ID
Lock payment	`POST /v2/bill-locks`	Validate bill data and get a `code`
Execute payment	`POST /v2/synthetics/bill-payment`	Submit the payment using the lock `code`
Track result	`SYNTHETIC_STATUS_UPDATE` webhook or `GET /v2/synthetics/{id}`	Confirm final status asynchronously

Status summary

Status	Meaning
`STARTING`	Payment created, processing not yet begun
`ACTIVE`	Funds debited, payment being forwarded to biller
`COMPLETED`	Payment accepted; `confirmationCode` available in response
`CANCELLED`	Payment failed; all funds automatically returned to originating account

On CANCELLED, all funds are returned automatically. No manual refund action is required.

Settlement behavior

If the account already holds the bill's local settlement currency (e.g. ARS, MXN, COP, PEN, CLP), funds can be debited directly.
If the account uses USDT or another asset in against, conversion to local settlement currency is executed as part of the payment flow.

See Coverage for the full list of supported countries and currencies.

Section pages

Discover bills — list companies and fetch outstanding bills
Lock payment — reserve payment conditions
Make a payment — execute the payment synthetic
After a payment — webhooks, polling, and confirmations
Error handling — error codes and recovery
Reconciliation — matching payments to internal records
Lifecycle — full status transition reference