# Purchase

Represents a payment for goods or services provided by a client using `conomy_hq`.

Typically initiated via a payment link or external checkout method, this transaction allows third-party customers to send funds to a client's internal account.

| Field          | Value                                                                                                       |
| -------------- | ----------------------------------------------------------------------------------------------------------- |
| `type`         | `PURCHASE`                                                                                                  |
| `origins`      | One external pay-in rail node (for example: `CARD`, `PIX`, `ETPAY`, `PSE`, `WOMPI`, `ACH`, `FEDNOW`)        |
| `destinations` | One or more internal `ACCOUNT` destinations (single merchant destination or split across multiple accounts) |

### Ownership

The payment is initiated by a third party (e.g., customer), not by the account owner. However, the account owner receives the funds. Only the account owner can configure or manage the receiving accounts.

### Settlement Time

The time it takes for the funds to become available in the internal account depends on the selected payment method.

### Bulk Payments

Bulk payments are **not supported** for `PURCHASE`.

### Available Origins by Region

| Region    | Rail          | Type          |
| --------- | ------------- | ------------- |
| Global    | Card          | `CARD`        |
| Chile     | Open banking  | `ETPAY`       |
| Chile     | Open banking  | `FINTOC`      |
| Chile     | Card          | `WEBPAY`      |
| Brazil    | Instant QR    | `PIX`         |
| Argentina | QR Transfer   | `PCT`         |
| Colombia  | Bank transfer | `PSE`         |
| Colombia  | Direct bank   | `BANCOLOMBIA` |
| Colombia  | Direct bank   | `DAVIVIENDA`  |
| Colombia  | Wallet        | `DAVIPLATA`   |
| Colombia  | Wallet        | `NEQUI`       |
| Colombia  | Gateway       | `WOMPI`       |
| Peru      | QR            | `LIGO`        |
| Peru      | Interbank     | `SIP`         |
| Bolivia   | Interbank     | `SIP`         |
| USA       | Bank transfer | `ACH`         |
| USA       | Instant bank  | `FEDNOW`      |
| USA       | Real-time     | `RTP`         |

### Available Destinations

`PURCHASE` settles funds into internal balances:

| Destination      | Type      |
| ---------------- | --------- |
| Internal account | `ACCOUNT` |