PagoEfectivo

In Flow it is possible to make virtual purchases and receive payments with cash.

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Online payment: Payment via digital wallets and bank transfer from your bank.

PagoEfectivo allows you to pay and receive payments through digital wallets by simply scanning a QR code, via bank transfers and cash deposits at nearby agencies.

I have a business and I want to activate Credit and debit cards in my Flow account

  1. If you do not have an account with us yet, you must register with Flow. In the register form you can select the payment methods you wish to activate.
  2. If you already have a Flow account and want to add Webpay to your payment methods, follow these steps:
    • Log in to your Flow account.
    • Go to the Medios de pago menu.
    • Click on the Editar datos button.
    • Select the payment method(s) you want to activate and choose the rate.
    • Click on the Guardar cambios button.
    • You will then receive an email with a security code that you must enter in your portal.
    • Once you enter the security code correctly, the selected payment methods will be activated.

Online payment

To make an online payment using PagoEfectivo, the customer must follow the steps described below. Once the payment is completed, Flow will immediately notify the commerce (the client) of the payment.

  1. First, the customer must select PagoEfectivo as the payment method.:
  2. Next, the client must complete the following information:
  3. The Payment Code (CIP) will then be displayed, with which you can pay from your digital wallet, mobile banking or agents and agencies.
  4. If you are going to pay through your preferred bank, select your account and then the Pago de Servicios option.:
    • Select Nuevo servicio, then search for and select the institution/company PagoEfectivo and select PagoEfectivo-Soles:
    • Enter your CIP code and follow the steps:
  5. If you are going to pay through any of the following agents and warehouses:
    Express BBVA, Agente BCP, Agente Interbank, Agente Red Digital, KasNet, Agente Niubiz, Caja Arequipa, Scotiabank, Tambo+, Western Union, Disashop, Perú Express-MoneyGram, Ya Ganaste, Cellpower, Agente Cash and Megapunto
    • Indicate that you are going to make a payment to the company PAGOEFECTIVO.
    • Indicate that you will make the payment to PAGOEFECTIVO SOLES.
    • Indicate the CIP code and the amount to be paid.
  6. If you are going to pay using any of the following digital wallets:
    Yape, Plin, BBVA Wallet, Scotiabank, Interbank, Ligo, BanBif and Tunki
    • Scan the QR code from your phone.
    • Verify the amount to be paid.
    • Confirm the payment.
  7. If you are going to pay through any of the following agencies:
    BBVA, BCP, Caja Arequipa, Scotiabank, BanBif, Caja Sullana, Caja los Andes, Caja Paita, Caja Trujillo, Caja del Santa and Caja Raíz
    • Indicate that you are going to make a payment to the company PAGOEFECTIVO.
    • Indicate that you will make the payment to PAGOEFECTIVO SOLES.
    • Indicate the CIP code and the amount to be paid.
  8. Once the payment is validated, PagoEfectivo will confirm the online payment.
  9. Flow will immediately notify the commerce of the payment:
    • A payment notification will be sent to the commerce.
    • A payment receipt will be sent to the customer.
    • If the commerce uses an API integration, their system will be notified online about the payment.
  10. Finally, the customer:
    • Will be directed to the Flow success page, where they will be shown the payment information.
    • If the commerce uses an API integration, this page will not be displayed and they will be directed to the merchant's success page.