Create Payin

You can create a payin either via a payment link or an Omnibus deposit. Omnibus deposits are only supported for Argentina, Guatemala, Costa Rica and Panama.

Create Payin (Payment Link)

POST /api/v1/wallet/deposits/new

Parameter Required Description
gateway Yes ID of the payin gateway
amount Conditional Amount to be deposited (required if no quote_id)
currency Yes Currency of the deposit
customer_id No Pass the customer ID if the deposit is for a customer wallet
quote_id No Quote ID from exchange-rate endpoint (valid for 5 minutes)
redirect_url No URL to redirect user after transaction completion

Option 1: Using Quote ID (Recommended)

When using a quote_id, the amount and exchange rate are already locked from the quote generation.

{
    "gateway": 22,
    "currency": "CLP",
    "quote_id": "4a72ecf8-6c8a-4e38-9971-8aabe9f785ed",
    "customer_id": "xxxxxx-xxxx-xxxx-xxxxxx", // optional
    "redirect_url": "https://example.com/success" // optional
}

Option 2: Without Quote ID (Current Market Rate)

When no quote_id is provided, the current market rate is used and amount is required.

{
    "gateway": 22,
    "amount": 11,
    "currency": "CLP",
    "customer_id": "xxxxxx-xxxx-xxxx-xxxxxx" // optional
}

Sample Response

{
    "status": "success",
    "status_code": 200,
    "message": "Request successful",
    "data": {
        "deposit_url": "https://checkout.yativo.com/process-payin/b3150e03-xxxx-4de3-a0ff-xxxxxxxxxx/paynow",
        "deposit_data": {
            "currency": "CLP",
            "deposit_currency": "USD",
            "amount": 10000,
            "gateway": 22,
            "receive_amount": 9,
            "customer_id": "948a039f-9883-xxxx-88a6-xxxxxxxxx",
            "id": "b3150e03-d27e-4de3-a0ff-16ebeb55683c",
            "updated_at": "2026-03-18T15:52:43.000000Z",
            "created_at": "2026-03-18T15:52:43.000000Z"
        },
        "payment_info": {
            "send_amount": "10000 CLP",
            "receive_amount": "9 USD",
            "exchange_rate": "1 USD = 936.0336 CLP",
            "transaction_fee": "1236.03 CLP",
            "payment_method": "Bank Transfer",
            "estimate_delivery_time": "6 Minute(s)",
            "total_amount_due": "10000 CLP",
            "calc": {
                "deposit_amount": 10000,
                "fixed_fee": 936.03,
                "float_fee": 300,
                "exchange_rate": 936.0336,
                "percentage_fee": 300,
                "fixed_fee_in_quote": 936.03,
                "total_fees": 1236.03,
                "credited_amount": 9.36,
                "exchange_rate_usd_to_wallet_currency": 936.0336
            }
        }
    }
}

Creating a Quote First

To use the quote_id option, first generate a quote using the exchange-rate endpoint:

POST /api/v1/exchange-rate
{
    "from_currency": "CLP",
    "to_currency": "USD",
    "method_id": 22,
    "method_type": "payin",
    "amount": 11000
}

This returns a quote_id that can be used in the payin request within 5 minutes.

Key Differences

Method Exchange Rate Amount Required Rate Lock
With quote_id Locked from quote No (from quote) 5 minutes
Without quote_id Current market rate Yes None