Create your first Top-up

You can use payment-attempts or create the payment directly.

A TOPUP_ACCOUNT transaction funds an internal conomy_hq account. The origin is a payment rail (e.g., ETPAY in Chile, PIX in Brazil) and the destination is an internal ACCOUNT.

Payment flow

Create Payment

Creates a top-up using a payment rail as the origin and an internal account as the destination.

The example below uses ETPAY (open banking, Chile). Replace the origins node type and sub-object to use a different rail — see the Nodes page for all available rails.

curl --location 'https://api.conomyhq.com/sandbox/payments' \
--header 'x-api-key: <YOUR_API_KEY>' \
--header 'User-Agent: <YOUR_APPLICATION_NAME>' \
--header 'Authorization: Bearer <ACCESS_TOKEN>' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--data '{
  "identityId": "<IDENTITY_ID>",
  "accountNumber": "<ACCOUNT_NUMBER>",
  "product": "CLP:CLP",
  "type": "TOPUP_ACCOUNT",
  "purchaseAmount": "700000",
  "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>"
      }
    }
  ]
}'

The response will include origins[0].etpay.url — redirect the customer to that URL to authorize the payment at their bank.

Capture Payment

After the customer completes the bank authorization, capture the funds to reflect them in the account.

curl --location --request POST 'https://api.conomyhq.com/sandbox/payments/<PAYMENT_ID>/captured' \
--header 'x-api-key: <YOUR_API_KEY>' \
--header 'User-Agent: <YOUR_APPLICATION_NAME>' \
--header 'Authorization: Bearer <ACCESS_TOKEN>' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--data ''

Webhook simulation

Simulate a webhook notification to test your payment confirmation handling.

curl --location --request POST 'https://api.conomyhq.com/sandboxwebhook/payments/received/payment-provider' \
--header 'x-api-key: <YOUR_API_KEY>' \
--header 'User-Agent: <YOUR_APPLICATION_NAME>' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <ACCESS_TOKEN>' \
--header 'Accept: */*' \
--data-raw '{
  "id": "<PAYMENT_ID>"
}'

Check account balance

Verify that the funds were deposited correctly into the account.

curl --location 'https://api.conomyhq.com/sandbox/accounts?accountNumber=<ACCOUNT_NUMBER>' \
--header 'x-api-key: <YOUR_API_KEY>' \
--header 'User-Agent: <YOUR_APPLICATION_NAME>' \
--header 'Authorization: Bearer <ACCESS_TOKEN>' \
--header 'Accept: application/json'

---

Top-up by region

Region	Origin type	Example rail
Chile	ETPAY	Open banking
Chile	FINTOC	Open banking
Brazil	PIX	Instant QR
Argentina	PCT	QR Transfer
Colombia	PSE	Bank transfer
Colombia	NEQUI	Wallet