Topup account

Used to fund an account within conomy_hq.

This payment type enables users to add funds to their internal balance for future use, such as payout or transfers. The action is initiated by the account owner.

Field	Value
type	TOPUP_ACCOUNT
origins	One pay-in rail node (for example: CARD, PIX, ETPAY, PSE, WOMPI, ACH, FEDNOW)
destinations	One or more internal ACCOUNT nodes

The origin must be a payment rail specific to the destination country and currency. The type field of the origin node determines the rail used — for example, "type": "ETPAY" for Chile or "type": "PIX" for Brazil. See Nodes for all available rails.

Example

{
  "identityId": "<IDENTITY_ID>",
  "accountNumber": "<ACCOUNT_NUMBER>",
  "product": "CLP:CLP",
  "type": "TOPUP_ACCOUNT",
  "purchaseAmount": "100000",
  "purchaseCurrency": "CLP",
  "currency": "CLP",
  "origins": [
    {
      "type": "ETPAY",
      "currency": "CLP",
      "etpay": {
        "successUrl": "https://yourapp.com/success",
        "failedUrl": "https://yourapp.com/failed",
        "customer": {
          "firstName": "John",
          "email": "[email protected]"
        }
      }
    }
  ],
  "destinations": [
    {
      "type": "ACCOUNT",
      "currency": "CLP",
      "identity": { "identityId": "<IDENTITY_ID>" },
      "account": { "accountNumber": "<ACCOUNT_NUMBER>" }
    }
  ]
}

Ownership

Only the account owner can initiate a top-up.

Settlement Time

Settlement time depends on the payment rail. Instant rails (e.g., PIX) settle in seconds. Open banking rails (e.g., ETPAY) may take a few minutes after bank authorization.

Bulk Payments

Bulk payments are not supported for TOPUP_ACCOUNT.

Available Origins by Region

Region	Rail	Type
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

TOPUP_ACCOUNT credits internal balances only:

Destination	Type
Internal account	ACCOUNT