Exchange API credentials for a short-lived Bearer token (~20 minutes). Reuse the same token string on every later call in this flow.

Checkout creates a Money Movement when the payer completes payment on the hosted page. Subscribe to Money Movement status events and accounts.balance.credit (r2p_credit or r2p_breb_credit on completion). Verify deliveries with HMAC-SHA256.

Pre-register the payer as an r2p counterparty and pass source_id when creating the Checkout. Email is used for PSE authentication; phone for Nequi push. Cobre can collect payer data on the hosted page if you skip this step — this flow shows explicit counterparty creation for faster checkout and pre-filled payer details.

Create a hosted Checkout link credited to your COP Cobre Balance. Set checkout_rails to all four Colombia options: pse, bancolombia, nequi, breb — the payer chooses the method on Cobre's hosted page. Pass source_id from the registered counterparty. Amount is integer cents (500000 = COP 5,000.00). Share checkout_url with the customer or redirect them there.

POST /checkouts does not return a Money Movement. When the payer finishes on the hosted page, Cobre creates an R2P MM and sends money_movements.status.*. Poll GET /money_movements/{mm_id} if needed (nested defaults to false — source and destination are null). batch_id equals the Checkout chk_…; creator is the r2p source counterparty. This demo is a completed PSE payment; other rails produce r2p_nequi, r2p_bancolombia, or r2p_breb.

Match the MM completion webhook to your platform ledger on external_id. Use content.batch_id to tie the payment back to the Checkout (chk_…). Cross-check the COP balance credit via GET /accounts/{acct_id}/transactions. For D+1 close, export payins with POST /reports.

Mapping the webhook payload from an earlier step onto Platform ledger. No API call is made — this step closes the loop in your own system.