Banco Venezolano de Crédito

Introduction

This document provides the specifications for implementing Banco Venezolano de Crédito payment methods through the Luka API.

The URL is specified in Environments.

Authentication is done via a token (JWT) returned by the login method using the credentials provided by Lukapay. See documentation.

Payment methods

Instant Debit

Pay through instant debit.

Instant Debit

This method consists of two steps for its implementation. The first step initiates the payment, and the idPago (payment ID) is obtained, which is provided by the bank. The second step involves the customer sending the OTP code to validate and confirm the payment.

Initiate Payment

Request

POST {URL}/api/v1/transaccion/vzolano.debito

Headers

Content-Type: application/json
Authorization: Bearer {token}
userIp: {client's IP address}

Request Body

Field Name	Description	Type	Required
IdTraza	Unique traceability identifier in the merchant's database	String	Yes
Cedula	Identification document of the natural or legal person benefiting from the funds	String	Yes
Monto	Amount of the operation	Number	Yes
Email	Email address of the customer making the payment	String	Yes
CuentaTelefonoPagador	Phone number from which the mobile payment was made	String	Yes
NombrePagador	Customer's name	String	Yes
TipoCuenta	Type of Account. Possible values: “CNTA”: Account, “CELE”: Phone (default), “ALIS”: Alias.	String	No
TrackingId	Internal customer identifier.	String	No
CodBancoPagador	Code of the destination bank of the funds	String	Yes
IdCanal	Channel through which the operation is performed. Possible values: Gateway, API (default), Payment Link, Android, iOS	Number	No
Referencia	Identification of the final customer if required	String	No
CargosAdicionales	Object with additional charges information	Object	No
MontoOriginal	Object with information about the original amount. Used when currency conversion is required	Object	No

Response

Name	Description	Type
TransaccionId	Transaction reference in Lukapay	Number
IdPago	Payment identifier	Number
ReferenciaBCV	Reference from the Central Bank of Venezuela	String

Example Usage

Request Body

{
    "IdTraza": "62b72900-ad67-4de1-953a-12fcb37859ed",
    "Cedula": "V12345678",
    "Monto": 16.03,
    "Email": "demo@lukapay.io",
    "CuentaTelefonoPagador": "4121234567",
    "NombrePagador": "Pedro",
    "CodBancoPagador": "0134",
    "IdCanal": 1,
    "Link": null,
    "MontoOriginal": null,
    "CargosAdicionales": null,
    "Referencia": ""
}

Response Body

{
    "TransaccionId": 104027,
    "IdPago": 8951,
    "ReferenciaBCV": "01042024091702053200000482"
}

Validate Payment

Request

POST {URL}/api/v1/transaccion/vzolano.debito.consultar

Headers

Content-Type: application/json
Authorization: Bearer {token}

Request Body

Field Name	Description	Type	Required
TransaccionId	Transaction reference in Lukapay	Number	Yes
IdPago	Payment ID	Number	Yes
OTP	One-time password (OTP)	String	Yes

Response

Field Name	Description	Type
Canal	Channel used to process the payment	Number
CargosAdicionales	Additional charges details	Object
Cuotas	Information about payment installments	Object
Descripción	Response providing the transaction status and any additional information	String
Exitoso	Indicates if the transaction was successful	Boolean
FechaOperacion	Date and time of the transaction	String
InfoProceso	Detailed information about the transaction status	Object
InfoTarjeta	Credit card details used for payment (if applicable)	Object
InfoUsuarioPagador	Information about the customer making the payment	Object
MedioDePago	Payment method used	String
MerchantId	Merchant's transaction identifier	String
Moneda	Currency used for the payment	String
Monto	Amount paid	Number
MontoOriginal	Information about the original amount (if currency conversion applies)	Object
MontoUsd	Value of the amount in U.S. dollars	Number
TarjetaHabiente	Payer's details if a card is used	Object
TransaccionId	Transaction identifier in Lukapay	Number
TransaccionMerchantId	Transaction identifier from the merchant	Number
TrazaId	Unique identifier for the transaction in the merchant's database	String

For more details on the response objects, see Transaction Response.

Example Usage

Request Body

{
    "TransaccionId": "104027",
    "IdPago": "8951",
    "OTP": "123456"
}

Respose body

{
    "Monto": 16.03,
    "MontoUsd": 0,
    "InfoProceso": {
        "EstatusProcesamiento": "success",
        "CodigoRespuestaCvv": null
    },
    "TarjetaHabiente": null,
    "InfoUsuarioPagador":{
        "Nombre":"Pedro",
        "Apellido":"Perez",
        "Email":"demo@lukapay.io"
    },
    "Moneda": "VES",
    "InfoTarjeta": null,
    "TransaccionId": 104027,
    "TransaccionMerchantId": 104027,
    "Descripcion": "success",
    "TrazaId": "62b72900-ad67-4de1-953a-12fcb37859ed",
    "Exitoso": true,
    "Canal": "Api",
    "MedioDePago": "Transferencia",
    "MontoOriginal": null,
    "MerchantId": "104027",
    "FechaOperacion": "2024-09-20 10:48:08.000000+00:00",
    "CargosAdicionales": null,
    "Cuotas": null
}