Step 1 of 10
Configuration
API step
Authenticate
Every Cobre API call carries a short-lived Bearer token (valid ~20 minutes). Exchange your API user credentials for a token and attach it to every later request.
POST
https://api.cobre.co/v1/auth
Headers
| Content-Type | application/json |
Request body
{ "user_id": "cli_demo_co_01",User IDRequirediYour API user identifier issued by Cobre. Format: cli_xxxx. "secret": "sk_live_2Hg8nP4qR7"SecretRequirediThe secret from your API key. Treat it like a password.}Response 201
{ "access_token": "eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfZGVtb19jb18wMSJ9.Dm3kP9xR2vN7cL4wT8aH1gF6yJ0bZ5eQ",Access TokeniShort-lived bearer token. Attach as Authorization: Bearer on later calls. "type": "Bearer",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins). "expiration_time": 1200Expiration TimeiToken lifetime in seconds.}
Step 2 of 10
Configuration
API step
Subscribe to Webhook Events
Subscribe to money-movement status events so your system learns when each payout settles or fails — no polling. The same subscription covers both Bre-B and Fast Pay.
POST
https://api.cobre.co/v1/subscriptions
Headers
| Authorization | Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfZGVtb19jb18wMSJ9.Dm3kP9xR2vN7cL4wT8aH1gF6yJ0bZ5eQ |
| Content-Type | application/json |
Request body
{ "url": "https://yourplatform.co/webhooks/cobre",Notification URLRequirediYour HTTPS endpoint that receives Cobre webhook POSTs. "description": "Payout lifecycle",DescriptioniA label to identify this subscription. "events": [EventsiList of webhook event types this subscription listens to. "money_movements.status.initiated", "money_movements.status.processing", "money_movements.status.completed", "money_movements.status.failed", "money_movements.status.rejected", "accounts.balance.debit" ], "event_signature_key": "WHsig_demo_44"Signature KeyRequirediA secret you provide; Cobre HMAC-signs each notification with it so you can verify authenticity.}Response 201
{ "id": "sub_PayoutDemo1",IdiUnique Cobre identifier for this resource. "url": "https://yourplatform.co/webhooks/cobre",Notification URLRequirediYour HTTPS endpoint that receives Cobre webhook POSTs. "description": "Payout lifecycle",DescriptioniA label to identify this subscription. "events": [EventsiList of webhook event types this subscription listens to. "money_movements.status.initiated", "money_movements.status.processing", "money_movements.status.completed", "money_movements.status.failed", "money_movements.status.rejected", "accounts.balance.debit" ], "event_signature_key": "******_44",Signature KeyRequirediA secret you provide; Cobre HMAC-signs each notification with it so you can verify authenticity. "created_at": "2026-06-26T12:00:00Z"Created AtiTimestamp when the resource was created (ISO 8601, UTC).}
Step 3 of 10
Bre-B Payout
API step
Verify the Beneficiary's Bre-B Key
Best practice before any first payout: confirm the destination Bre-B key belongs to the declared identity. The col_key_ownership_1 model checks the key against the holder's ID in Colombia's directory.
POST
https://api.cobre.co/v1/account_verifications
Headers
| Authorization | Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfZGVtb19jb18wMSJ9.Dm3kP9xR2vN7cL4wT8aH1gF6yJ0bZ5eQ |
| Content-Type | application/json |
Request body
{ "model": "col_key_ownership_1",ModelRequiredicol_key_ownership_1 = confirm the key belongs to the declared ID. "verification_request": {Verification RequestiInput fields sent to the verification model. "key_value": "@AcmeVendor10",Bre-B keyRequirediThe beneficiary's Bre-B key. "account_holder_id_number": "9001234567"Holder IDRequirediThe beneficiary's identification number; must match the key owner. }, "external_id": "verify-vendor-10"External IDiYour reference for this verification.}Response 201
{ "id": "av_PayoutDemo1",IdiUnique Cobre identifier for this resource. "creator_id": "cli_demo_co_01",Creator IdiCobre field at "creator_id" in this payload. "model": "col_key_ownership_1",ModelRequiredicol_key_ownership_1 = confirm the key belongs to the declared ID. "geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico). "verification_request": {Verification RequestiInput fields sent to the verification model. "key_value": "@AcmeVendor10",Bre-B keyRequirediThe beneficiary's Bre-B key. "account_holder_id_number": "9001234567"Holder IDRequirediThe beneficiary's identification number; must match the key owner. }, "status": {StatusiLifecycle status object for the resource or movement. "state": "processing",StateiCurrent lifecycle state (e.g. completed, failed, rejected). "code": "",CodeiProvider or Cobre status code when the state is failed or rejected. "description": ""DescriptioniHuman-readable detail for the current status. }, "external_id": "verify-vendor-10",External IDiYour reference for this verification. "created_at": "2026-06-26T12:10:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:10:00Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).}
Step 4 of 10
Bre-B Payout
API step
Retrieve Beneficiary Key Verification Result
Poll the Account Verification by id until status.state is completed. Continue with the payout only when verification_response.verification_result is matched; route unmatched or failed results to manual review.
GET
https://api.cobre.co/v1/account_verifications/av_PayoutDemo1
Headers
| Authorization | Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfZGVtb19jb18wMSJ9.Dm3kP9xR2vN7cL4wT8aH1gF6yJ0bZ5eQ |
Response 200
{ "id": "av_PayoutDemo1",Verification IDRequirediThe av_… identifier returned by the create response. "creator_id": "cli_demo_co_01",Creator IdiCobre field at "creator_id" in this payload. "model": "col_key_ownership_1",ModeliVerification model identifier (region- and rail-specific). "geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico). "verification_request": {Verification RequestiInput fields sent to the verification model. "key_value": "@AcmeVendor10",Key ValueiBre-B key value (e.g. @merchant123). "account_holder_id_number": "9001234567"Account Holder Id NumberiCobre field at "verification_request.account_holder_id_number" in this payload. }, "status": {StatusiLifecycle status object for the resource or movement. "state": "completed",StatusRequirediMust be completed before creating the counterparty or Money Movement. "code": "",CodeiProvider or Cobre status code when the state is failed or rejected. "description": ""DescriptioniHuman-readable detail for the current status. }, "external_id": "verify-vendor-10",External IdiYour own reference echoed by Cobre for reconciliation. "created_at": "2026-06-26T12:10:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:10:00Z",Updated AtiTimestamp of the last update (ISO 8601, UTC). "verification_response": {Verification ResponseiResult returned by the verification model. "verification_result": "matched"Ownership resultRequiredimatched confirms the key ownership check; unmatched or failed blocks the payout. }}
Step 5 of 10
Bre-B Payout
API step
Create the Bre-B Counterparty
Register the verified Bre-B key as a breb_key counterparty. The counterparty type is what selects the Bre-B rail at payout time.
POST
https://api.cobre.co/v1/counterparties
Headers
| Authorization | Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfZGVtb19jb18wMSJ9.Dm3kP9xR2vN7cL4wT8aH1gF6yJ0bZ5eQ |
| Content-Type | application/json |
Request body
{ "geo": "col",GeographyRequiredicol = Colombia. "type": "breb_key",TypeRequiredibreb_key routes a payout to a Bre-B key. "alias": "Acme Vendor - Bre-B",AliasiDisplay name that helps identify it and clarify its purpose. "metadata": {MetadataiCustom key-value metadata attached to the resource. "key_value": "@AcmeVendor10",Bre-B keyRequirediThe verified beneficiary key. "counterparty_email": "pagos@acmevendor.co"EmailiBeneficiary email. }}Response 201
{ "id": "cp_BrebVendor10",IdiUnique Cobre identifier for this resource. "geo": "col",GeographyRequiredicol = Colombia. "type": "breb_key",TypeRequiredibreb_key routes a payout to a Bre-B key. "alias": "Acme Vendor - Bre-B",AliasiDisplay name that helps identify it and clarify its purpose. "metadata": {MetadataiCustom key-value metadata attached to the resource. "key_value": "@AcmeVendor10",Bre-B keyRequirediThe verified beneficiary key. "key_type": "alphanumeric",Key TypeiCobre field at "metadata.key_type" in this payload. "counterparty_email": "pagos@acmevendor.co"EmailiBeneficiary email. }, "created_at": "2026-06-26T12:15:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:15:00Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).}
Step 6 of 10
Bre-B Payout
API step
Send the Bre-B Payout
Create a Money Movement from your funding Cobre Balance to the Bre-B counterparty. This demo pays out immediately (checker_approval is false). For maker–checker, set checker_approval to true — see Money Movements Approval and the lender use-case flow. Bre-B settles instantly, 24/7 (max ~$12,110,000 COP per transaction). The response type is 'breb'.
POST
https://api.cobre.co/v1/money_movements
Headers
| Authorization | Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfZGVtb19jb18wMSJ9.Dm3kP9xR2vN7cL4wT8aH1gF6yJ0bZ5eQ |
| Content-Type | application/json |
| idempotency | payout-breb-5567-001 |
Request body
{ "amount": 3000000,Amount (cents)RequirediAmount in cents. 3000000 = $30,000.00 COP. "source_id": "acc_FundingCOP01",Source (funding balance)RequirediYour funding Cobre Balance — money leaves from here. "destination_id": "cp_BrebVendor10",Destination (counterparty)RequirediThe Bre-B counterparty from the previous step. "metadata": {MetadataiCustom key-value metadata attached to the resource. "description": "Supplier payout Bre-B"DescriptionRequirediInformative description (max 40 chars). On Bre-B it is informative only. }, "external_id": "payout-breb-5567"External IDiYour payout reference, echoed in the response and webhook.}Response 201
{ "id": "mm_BrebPay5567",IdiUnique Cobre identifier for this resource. "status": {StatusiLifecycle status object for the resource or movement. "state": "initiated",StateiCurrent lifecycle state (e.g. completed, failed, rejected). "code": "",CodeiProvider or Cobre status code when the state is failed or rejected. "description": ""DescriptioniHuman-readable detail for the current status. }, "metadata": {MetadataiCustom key-value metadata attached to the resource. "description": "Supplier payout Bre-B"DescriptionRequirediInformative description (max 40 chars). On Bre-B it is informative only. }, "creator": "cli_demo_co_01",CreatoriActor that created the resource. On a Checkout-created Money Movement this is the r2p source counterparty (cp_…), not the API user. "external_id": "payout-breb-5567",External IDiYour payout reference, echoed in the response and webhook. "checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API. "mm_approval_id": "",Mm Approval IdiMoney Movement Approval id (mma_…) when checker_approval is true — used for the decision endpoint. "type": "breb",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins). "geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico). "source_id": "acc_FundingCOP01",Source (funding balance)RequirediYour funding Cobre Balance — money leaves from here. "destination_id": "cp_BrebVendor10",Destination (counterparty)RequirediThe Bre-B counterparty from the previous step. "currency": "cop",CurrencyiISO currency code (e.g. cop, mxn). "amount": 3000000,Amount (cents)RequirediAmount in cents. 3000000 = $30,000.00 COP. "created_at": "2026-06-26T12:20:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:20:00Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).}Webhook outcomes — Money movement
Fires when the Bre-B payout settles (typically seconds). Mark the payout paid by external_id. While processing, Cobre locked funds with a breb_debit — see the Transaction tab. No compensation credit is posted on completion.
Handle each terminal state in your webhook listener. Status codes reference the <a href="https://docs.cobre.com/money-movement-statuses-2032280m0" target="_blank" rel="noopener">Money Movement Statuses</a> guide. Cobre Balance transactions are covered in the <b>Transaction</b> tab.
Funds settled successfully. No error code is set (NA in the status guide). Use this webhook to mark the payment as paid in your system.
Event
money_movements.status.completedHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_BrebPay5567Cmp",IdiUnique Cobre identifier for this resource. "event_key": "money_movements.status.completed",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:20:09Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "content": {ContentiEvent-specific payload — same layout as the GET response for that resource. "id": "mm_BrebPay5567",IdiUnique Cobre identifier for this resource. "status": {StatusiLifecycle status object for the resource or movement. "state": "completed",StateiCurrent lifecycle state (e.g. completed, failed, rejected). "code": "",CodeiProvider or Cobre status code when the state is failed or rejected. "description": ""DescriptioniHuman-readable label or note. }, "metadata": {MetadataiCustom key-value metadata attached to the resource. "description": "Supplier payout Bre-B",DescriptioniHuman-readable label or note. "tracking_key": "55671200901",Tracking KeyiNetwork tracking key for the payment (PSE ticket or Bre-B key). "key_value": "@AcmeVendor10",Key ValueiBre-B key value (e.g. @merchant123). "beneficiary_account_number": "@AcmeVendor10"Beneficiary Account NumberiMetadata field "beneficiary_account_number" attached to the resource. }, "creator": "cli_demo_co_01",CreatoriActor that created the resource. On a Checkout-created Money Movement this is the r2p source counterparty (cp_…), not the API user. "external_id": "payout-breb-5567",External IdiYour own reference echoed by Cobre for reconciliation. "checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API. "mm_approval_id": "",Mm Approval IdiMoney Movement Approval id (mma_…) when checker_approval is true — used for the decision endpoint. "type": "breb",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins). "geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico). "source_id": "acc_FundingCOP01",Source IdiCobre id of the source account or counterparty. "destination_id": "cp_BrebVendor10",Destination IdiCobre id of the destination account or counterparty. "currency": "cop",CurrencyiISO currency code (e.g. cop, mxn). "amount": 3000000,AmountiAmount in cents — the last two digits are decimals. "created_at": "2026-06-26T12:20:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:20:09Z"Updated AtiTimestamp of the last update (ISO 8601, UTC). }}Cobre or the rail could not process the movement. Inspect status.code and status.description. The list below is filtered to this Money Movement’s direction (payin, payout, or both):
Possible status codes
| Code | Description | Applies to |
|---|---|---|
F001 | Payment processing failed please try again. | Payin and payout |
F002 | NSF - Not Sufficient Funds in the designated account. | Payin and payout |
F004 | Daily transaction amount limit has been reached. | Payin and payout |
F005 | Amount exceeds the maximum allowed transaction limit. | Payin and payout |
F098 | Could not process the money movement at this time. | Payin and payout |
F099 | Could not process the money movement at this time. | Payin and payout |
Event
money_movements.status.failedHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_BrebPay5567Cmp",IdiUnique Cobre identifier for this resource. "event_key": "money_movements.status.failed",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:20:09Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "content": {ContentiEvent-specific payload — same layout as the GET response for that resource. "id": "mm_BrebPay5567",IdiUnique Cobre identifier for this resource. "status": {StatusiLifecycle status object for the resource or movement. "state": "failed",StateiCurrent lifecycle state (e.g. completed, failed, rejected). "code": "F002",CodeiProvider or Cobre status code when the state is failed or rejected. "description": "NSF - Not Sufficient Funds in the designated account."DescriptioniHuman-readable label or note. }, "metadata": {MetadataiCustom key-value metadata attached to the resource. "description": "Supplier payout Bre-B",DescriptioniHuman-readable label or note. "tracking_key": "55671200901",Tracking KeyiNetwork tracking key for the payment (PSE ticket or Bre-B key). "key_value": "@AcmeVendor10",Key ValueiBre-B key value (e.g. @merchant123). "beneficiary_account_number": "@AcmeVendor10"Beneficiary Account NumberiMetadata field "beneficiary_account_number" attached to the resource. }, "creator": "cli_demo_co_01",CreatoriActor that created the resource. On a Checkout-created Money Movement this is the r2p source counterparty (cp_…), not the API user. "external_id": "payout-breb-5567",External IdiYour own reference echoed by Cobre for reconciliation. "checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API. "mm_approval_id": "",Mm Approval IdiMoney Movement Approval id (mma_…) when checker_approval is true — used for the decision endpoint. "type": "breb",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins). "geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico). "source_id": "acc_FundingCOP01",Source IdiCobre id of the source account or counterparty. "destination_id": "cp_BrebVendor10",Destination IdiCobre id of the destination account or counterparty. "currency": "cop",CurrencyiISO currency code (e.g. cop, mxn). "amount": 3000000,AmountiAmount in cents — the last two digits are decimals. "created_at": "2026-06-26T12:20:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:20:09Z"Updated AtiTimestamp of the last update (ISO 8601, UTC). }}The bank or payment network rejected the transaction. Inspect status.code. The list below is filtered to this Money Movement’s direction (payin, payout, or both):
Possible status codes
| Code | Description | Applies to |
|---|---|---|
R000 | Transaction rejected. | Payin and payout |
R001 | Inactive or blocked account. | Payin and payout |
R002 | Account and identification provided do not coincide. | Payin and payout |
R004 | ID not valid. | Payout |
R005 | Account does not exist. | Payin and payout |
R006 | Invalid account number. | Payin and payout |
R009 | Exceeds maximum allowed amount. | Payin and payout |
R010 | Account not authorized to debit. | Payin and payout |
R011 | Invalid Account type. | Payout |
R015 | Account not authorized to be credited. | Payout |
R018 | Payment rejected due invalid key. | Payout |
R023 | Payment cancelled by the user. | Payin and payout |
R024 | Exceeds maximum allowed number of transactions. | Payout |
R025 | Required information missing. | Payout |
R026 | Payment rejected due to unavailable bank services. | Payin and payout |
R027 | Account exceeds the maximum allowed transaction limit. | Payin and payout |
R034 | Account closed. | Payin and payout |
R085 | Bank processing error. | Payout |
Event
money_movements.status.rejectedHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_BrebPay5567Cmp",IdiUnique Cobre identifier for this resource. "event_key": "money_movements.status.rejected",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:20:09Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "content": {ContentiEvent-specific payload — same layout as the GET response for that resource. "id": "mm_BrebPay5567",IdiUnique Cobre identifier for this resource. "status": {StatusiLifecycle status object for the resource or movement. "state": "rejected",StateiCurrent lifecycle state (e.g. completed, failed, rejected). "code": "R018",CodeiProvider or Cobre status code when the state is failed or rejected. "description": "Payment rejected due invalid key."DescriptioniHuman-readable label or note. }, "metadata": {MetadataiCustom key-value metadata attached to the resource. "description": "Supplier payout Bre-B",DescriptioniHuman-readable label or note. "tracking_key": "55671200901",Tracking KeyiNetwork tracking key for the payment (PSE ticket or Bre-B key). "key_value": "@AcmeVendor10",Key ValueiBre-B key value (e.g. @merchant123). "beneficiary_account_number": "@AcmeVendor10"Beneficiary Account NumberiMetadata field "beneficiary_account_number" attached to the resource. }, "creator": "cli_demo_co_01",CreatoriActor that created the resource. On a Checkout-created Money Movement this is the r2p source counterparty (cp_…), not the API user. "external_id": "payout-breb-5567",External IdiYour own reference echoed by Cobre for reconciliation. "checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API. "mm_approval_id": "",Mm Approval IdiMoney Movement Approval id (mma_…) when checker_approval is true — used for the decision endpoint. "type": "breb",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins). "geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico). "source_id": "acc_FundingCOP01",Source IdiCobre id of the source account or counterparty. "destination_id": "cp_BrebVendor10",Destination IdiCobre id of the destination account or counterparty. "currency": "cop",CurrencyiISO currency code (e.g. cop, mxn). "amount": 3000000,AmountiAmount in cents — the last two digits are decimals. "created_at": "2026-06-26T12:20:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:20:09Z"Updated AtiTimestamp of the last update (ISO 8601, UTC). }}Payouts debit the source Cobre Balance while the movement is processing to lock funds. If the movement ends in failed, rejected, or canceled, Cobre posts a compensation credit (breb_credit or col_cb_credit). Payins credit the destination on completion only.
While the movement is in processing, Cobre debits the source Cobre Balance to lock the payout amount. Subscribe to accounts.balance.debit and money_movements.status.processing.
Event
accounts.balance.debitHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_BrebPay556Lk",IdiUnique Cobre identifier for this resource. "event_key": "accounts.balance.debit",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:20:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "content": {ContentiEvent-specific payload — same layout as the GET response for that resource. "id": "trx_BrebPay5567Lk",IdiUnique Cobre identifier for this resource. "type": "breb_debit",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins). "account_id": "acc_FundingCOP01",Account IdiCobre Balance account id affected by the event. "amount": -3000000,AmountiAmount in cents — the last two digits are decimals. "previous_balance": 8000000,Previous BalanceiCobre field at "content.previous_balance" in this payload. "current_balance": 5000000,Current BalanceiCobre field at "content.current_balance" in this payload. "currency": "COP",CurrencyiISO currency code (e.g. cop, mxn). "credit_debit_type": "debit",Credit Debit Typeicredit = funds in; debit = funds out. "transaction_date": "2026-06-26T12:20:00Z",Transaction DateiTimestamp when the transaction was posted (ISO 8601, UTC). "created_at": "2026-06-26T12:20:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "metadata": {MetadataiCustom key-value metadata attached to the resource. "beneficiary_account_number": "@AcmeVendor10",Beneficiary Account NumberiMetadata field "beneficiary_account_number" attached to the resource. "beneficiary_account_type": "ch",Beneficiary Account TypeiMetadata field "beneficiary_account_type" attached to the resource. "beneficiary_name": "",Beneficiary NameiMetadata field "beneficiary_name" attached to the resource. "beneficiary_id": "",Beneficiary IdiMetadata field "beneficiary_id" attached to the resource. "description": "Supplier payout Bre-B",DescriptioniHuman-readable label or note. "money_movement_id": "mm_BrebPay5567",Money Movement IdiMoney Movement that generated this balance transaction. "tracking_key": "55671200901"Tracking KeyiNetwork tracking key for the payment (PSE ticket or Bre-B key). } }}On completion the locked funds are sent to the beneficiary. The processing debit remains on the ledger — no compensation credit is posted.
Event
accounts.balance.debitHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_BrebPay556Lk",IdiUnique Cobre identifier for this resource. "event_key": "accounts.balance.debit",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:20:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "content": {ContentiEvent-specific payload — same layout as the GET response for that resource. "id": "trx_BrebPay5567Lk",IdiUnique Cobre identifier for this resource. "type": "breb_debit",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins). "account_id": "acc_FundingCOP01",Account IdiCobre Balance account id affected by the event. "amount": -3000000,AmountiAmount in cents — the last two digits are decimals. "previous_balance": 8000000,Previous BalanceiCobre field at "content.previous_balance" in this payload. "current_balance": 5000000,Current BalanceiCobre field at "content.current_balance" in this payload. "currency": "COP",CurrencyiISO currency code (e.g. cop, mxn). "credit_debit_type": "debit",Credit Debit Typeicredit = funds in; debit = funds out. "transaction_date": "2026-06-26T12:20:00Z",Transaction DateiTimestamp when the transaction was posted (ISO 8601, UTC). "created_at": "2026-06-26T12:20:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "metadata": {MetadataiCustom key-value metadata attached to the resource. "beneficiary_account_number": "@AcmeVendor10",Beneficiary Account NumberiMetadata field "beneficiary_account_number" attached to the resource. "beneficiary_account_type": "ch",Beneficiary Account TypeiMetadata field "beneficiary_account_type" attached to the resource. "beneficiary_name": "",Beneficiary NameiMetadata field "beneficiary_name" attached to the resource. "beneficiary_id": "",Beneficiary IdiMetadata field "beneficiary_id" attached to the resource. "description": "Supplier payout Bre-B",DescriptioniHuman-readable label or note. "money_movement_id": "mm_BrebPay5567",Money Movement IdiMoney Movement that generated this balance transaction. "tracking_key": "55671200901"Tracking KeyiNetwork tracking key for the payment (PSE ticket or Bre-B key). } }}If the movement reaches a terminal failed, rejected, or canceled state, Cobre credits the source Cobre Balance to release the lock (breb_credit for Bre-B, col_cb_credit for bank rails).
Event
accounts.balance.creditHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_BrebPay556Cp",IdiUnique Cobre identifier for this resource. "event_key": "accounts.balance.credit",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:20:09Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "content": {ContentiEvent-specific payload — same layout as the GET response for that resource. "id": "trx_BrebPay5567Cp",IdiUnique Cobre identifier for this resource. "type": "breb_credit",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins). "account_id": "acc_FundingCOP01",Account IdiCobre Balance account id affected by the event. "amount": 3000000,AmountiAmount in cents — the last two digits are decimals. "previous_balance": 0,Previous BalanceiCobre field at "content.previous_balance" in this payload. "current_balance": 3000000,Current BalanceiCobre field at "content.current_balance" in this payload. "currency": "COP",CurrencyiISO currency code (e.g. cop, mxn). "credit_debit_type": "credit",Credit Debit Typeicredit = funds in; debit = funds out. "transaction_date": "2026-06-26T12:20:09Z",Transaction DateiTimestamp when the transaction was posted (ISO 8601, UTC). "created_at": "2026-06-26T12:20:09Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "metadata": {MetadataiCustom key-value metadata attached to the resource. "description": "Supplier payout Bre-B",DescriptioniHuman-readable label or note. "money_movement_id": "mm_BrebPay5567",Money Movement IdiMoney Movement that generated this balance transaction. "tracking_key": "55671200901"Tracking KeyiNetwork tracking key for the payment (PSE ticket or Bre-B key). } }}Documentation for this step
Create a Money MovementMoney Movements ApprovalBre-B PayoutsMoney Movement Statuses
Step 7 of 10
Bre-B Payout
Reconciliation
Reconcile the Bre-B Payout
Bre-B payouts are Money Movements, so reconciliation keys on mm_id + external_id. No API call — read the completion webhook and close the payout in your ledger. Fast Pay (next) reconciles the exact same way.
Mapping the webhook payload from an earlier step onto Your Ledger. No API call is made — this step closes the loop in your own system.
| Cobre field & value | Your Ledger field | |
content.external_id payout-breb-5567 |
→ | payout_reference Your own reference — locates the payout record. |
content.id mm_BrebPay5567 |
→ | cobre_mm_id Canonical Money Movement id. |
content.status.state completed |
→ | payout_status Map completed -> PAID; rejected/failed -> FAILED. |
content.amount 3000000 |
→ | paid_amount_cents |
content.updated_at 2026-06-26T12:20:09Z |
→ | paid_at |
Step 8 of 10
Fast Pay Payout
API step
Create the Bank-Account Counterparty
For a payout to a Colombian bank account, register a cc (checking), ch (savings) or dp (deposit) counterparty with the account number and beneficiary institution. The same counterparty serves Fast Pay and ACH.
POST
https://api.cobre.co/v1/counterparties
Headers
| Authorization | Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfZGVtb19jb18wMSJ9.Dm3kP9xR2vN7cL4wT8aH1gF6yJ0bZ5eQ |
| Content-Type | application/json |
Request body
{ "geo": "col",GeographyRequiredicol = Colombia. "type": "cc",Account TypeRequiredicc = Cuenta Corriente (checking), ch = Ahorros (savings), dp = Depósito. "alias": "Acme Vendor - Bank",AliasiDisplay name that helps identify it and clarify its purpose. "metadata": {MetadataiCustom key-value metadata attached to the resource. "counterparty_fullname": "Acme Vendor SAS",Beneficiary NameRequirediLegal name of the account holder. "beneficiary_institution": "1007",Bank CodeRequirediBeneficiary institution code from Cobre's platform catalog (e.g. 1007 = Bancolombia). "account_number": "1013555555",Account NumberRequirediThe destination bank account number. "counterparty_id_type": "nit",ID TypeRequirediIdentification type of the beneficiary. "counterparty_id_number": "9001234567"ID NumberRequirediThe beneficiary's identification number. }}Response 201
{ "id": "cp_BankVendor10",IdiUnique Cobre identifier for this resource. "geo": "col",GeographyRequiredicol = Colombia. "type": "cc",Account TypeRequiredicc = Cuenta Corriente (checking), ch = Ahorros (savings), dp = Depósito. "alias": "Acme Vendor - Bank",AliasiDisplay name that helps identify it and clarify its purpose. "metadata": {MetadataiCustom key-value metadata attached to the resource. "counterparty_fullname": "Acme Vendor SAS",Beneficiary NameRequirediLegal name of the account holder. "beneficiary_institution": "1007",Bank CodeRequirediBeneficiary institution code from Cobre's platform catalog (e.g. 1007 = Bancolombia). "account_number": "1013555555",Account NumberRequirediThe destination bank account number. "counterparty_id_type": "nit",ID TypeRequirediIdentification type of the beneficiary. "counterparty_id_number": "9001234567",ID NumberRequirediThe beneficiary's identification number. "registered_account": falseRegistered AccountiCobre field at "metadata.registered_account" in this payload. }, "created_at": "2026-06-26T12:30:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:30:00Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).}
Step 9 of 10
Fast Pay Payout
API step
Send the Fast Pay Payout
Create a Money Movement to the bank counterparty. Cobre routes it over Fast Pay (near real-time) when the destination bank supports it, automatically falling back to ACH (batch) otherwise — the response type tells you which rail was used ('fast_pay' here). checker_approval is false for immediate payout; set true for maker–checker (Money Movements Approval guide).
POST
https://api.cobre.co/v1/money_movements
Headers
| Authorization | Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfZGVtb19jb18wMSJ9.Dm3kP9xR2vN7cL4wT8aH1gF6yJ0bZ5eQ |
| Content-Type | application/json |
| idempotency | payout-fp-5568-001 |
Request body
{ "amount": 3000000,Amount (cents)RequirediAmount in cents. 3000000 = $30,000.00 COP. "source_id": "acc_FundingCOP01",Source (funding balance)RequirediYour funding Cobre Balance. "destination_id": "cp_BankVendor10",Destination (counterparty)RequirediThe bank-account counterparty from the previous step. "metadata": {MetadataiCustom key-value metadata attached to the resource. "description": "Supplier payout FastPay"DescriptionRequirediInformative description (max 40 chars). }, "external_id": "payout-fp-5568"External IDiYour payout reference, echoed in the response and webhook.}Response 201
{ "id": "mm_FastPay5568",IdiUnique Cobre identifier for this resource. "status": {StatusiLifecycle status object for the resource or movement. "state": "initiated",StateiCurrent lifecycle state (e.g. completed, failed, rejected). "code": "",CodeiProvider or Cobre status code when the state is failed or rejected. "description": ""DescriptioniHuman-readable detail for the current status. }, "metadata": {MetadataiCustom key-value metadata attached to the resource. "description": "Supplier payout FastPay"DescriptionRequirediInformative description (max 40 chars). }, "creator": "cli_demo_co_01",CreatoriActor that created the resource. On a Checkout-created Money Movement this is the r2p source counterparty (cp_…), not the API user. "external_id": "payout-fp-5568",External IDiYour payout reference, echoed in the response and webhook. "checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API. "mm_approval_id": "",Mm Approval IdiMoney Movement Approval id (mma_…) when checker_approval is true — used for the decision endpoint. "type": "fast_pay",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins). "geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico). "source_id": "acc_FundingCOP01",Source (funding balance)RequirediYour funding Cobre Balance. "destination_id": "cp_BankVendor10",Destination (counterparty)RequirediThe bank-account counterparty from the previous step. "currency": "cop",CurrencyiISO currency code (e.g. cop, mxn). "amount": 3000000,Amount (cents)RequirediAmount in cents. 3000000 = $30,000.00 COP. "created_at": "2026-06-26T12:35:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:35:00Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).}Webhook outcomes — Money movement
Fires when the Fast Pay payout settles. If the bank had not supported Fast Pay, type would be 'ach' and settlement D+0/D+1 — but your reconciliation logic is identical. Funds were locked with a col_cb_debit during processing — see the Transaction tab.
Handle each terminal state in your webhook listener. Status codes reference the <a href="https://docs.cobre.com/money-movement-statuses-2032280m0" target="_blank" rel="noopener">Money Movement Statuses</a> guide. Cobre Balance transactions are covered in the <b>Transaction</b> tab.
Funds settled successfully. No error code is set (NA in the status guide). Use this webhook to mark the payment as paid in your system.
Event
money_movements.status.completedHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_FastPay5568Cmp",IdiUnique Cobre identifier for this resource. "event_key": "money_movements.status.completed",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:35:21Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "content": {ContentiEvent-specific payload — same layout as the GET response for that resource. "id": "mm_FastPay5568",IdiUnique Cobre identifier for this resource. "status": {StatusiLifecycle status object for the resource or movement. "state": "completed",StateiCurrent lifecycle state (e.g. completed, failed, rejected). "code": "",CodeiProvider or Cobre status code when the state is failed or rejected. "description": ""DescriptioniHuman-readable label or note. }, "metadata": {MetadataiCustom key-value metadata attached to the resource. "description": "Supplier payout FastPay"DescriptioniHuman-readable label or note. }, "creator": "cli_demo_co_01",CreatoriActor that created the resource. On a Checkout-created Money Movement this is the r2p source counterparty (cp_…), not the API user. "external_id": "payout-fp-5568",External IdiYour own reference echoed by Cobre for reconciliation. "checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API. "mm_approval_id": "",Mm Approval IdiMoney Movement Approval id (mma_…) when checker_approval is true — used for the decision endpoint. "type": "fast_pay",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins). "geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico). "source_id": "acc_FundingCOP01",Source IdiCobre id of the source account or counterparty. "destination_id": "cp_BankVendor10",Destination IdiCobre id of the destination account or counterparty. "currency": "cop",CurrencyiISO currency code (e.g. cop, mxn). "amount": 3000000,AmountiAmount in cents — the last two digits are decimals. "created_at": "2026-06-26T12:35:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:35:21Z"Updated AtiTimestamp of the last update (ISO 8601, UTC). }}Cobre or the rail could not process the movement. Inspect status.code and status.description. The list below is filtered to this Money Movement’s direction (payin, payout, or both):
Possible status codes
| Code | Description | Applies to |
|---|---|---|
F001 | Payment processing failed please try again. | Payin and payout |
F002 | NSF - Not Sufficient Funds in the designated account. | Payin and payout |
F004 | Daily transaction amount limit has been reached. | Payin and payout |
F005 | Amount exceeds the maximum allowed transaction limit. | Payin and payout |
F098 | Could not process the money movement at this time. | Payin and payout |
F099 | Could not process the money movement at this time. | Payin and payout |
Event
money_movements.status.failedHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_FastPay5568Cmp",IdiUnique Cobre identifier for this resource. "event_key": "money_movements.status.failed",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:35:21Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "content": {ContentiEvent-specific payload — same layout as the GET response for that resource. "id": "mm_FastPay5568",IdiUnique Cobre identifier for this resource. "status": {StatusiLifecycle status object for the resource or movement. "state": "failed",StateiCurrent lifecycle state (e.g. completed, failed, rejected). "code": "F002",CodeiProvider or Cobre status code when the state is failed or rejected. "description": "NSF - Not Sufficient Funds in the designated account."DescriptioniHuman-readable label or note. }, "metadata": {MetadataiCustom key-value metadata attached to the resource. "description": "Supplier payout FastPay"DescriptioniHuman-readable label or note. }, "creator": "cli_demo_co_01",CreatoriActor that created the resource. On a Checkout-created Money Movement this is the r2p source counterparty (cp_…), not the API user. "external_id": "payout-fp-5568",External IdiYour own reference echoed by Cobre for reconciliation. "checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API. "mm_approval_id": "",Mm Approval IdiMoney Movement Approval id (mma_…) when checker_approval is true — used for the decision endpoint. "type": "fast_pay",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins). "geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico). "source_id": "acc_FundingCOP01",Source IdiCobre id of the source account or counterparty. "destination_id": "cp_BankVendor10",Destination IdiCobre id of the destination account or counterparty. "currency": "cop",CurrencyiISO currency code (e.g. cop, mxn). "amount": 3000000,AmountiAmount in cents — the last two digits are decimals. "created_at": "2026-06-26T12:35:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:35:21Z"Updated AtiTimestamp of the last update (ISO 8601, UTC). }}The bank or payment network rejected the transaction. Inspect status.code. The list below is filtered to this Money Movement’s direction (payin, payout, or both):
Possible status codes
| Code | Description | Applies to |
|---|---|---|
R000 | Transaction rejected. | Payin and payout |
R001 | Inactive or blocked account. | Payin and payout |
R002 | Account and identification provided do not coincide. | Payin and payout |
R004 | ID not valid. | Payout |
R005 | Account does not exist. | Payin and payout |
R006 | Invalid account number. | Payin and payout |
R009 | Exceeds maximum allowed amount. | Payin and payout |
R010 | Account not authorized to debit. | Payin and payout |
R011 | Invalid Account type. | Payout |
R015 | Account not authorized to be credited. | Payout |
R018 | Payment rejected due invalid key. | Payout |
R023 | Payment cancelled by the user. | Payin and payout |
R024 | Exceeds maximum allowed number of transactions. | Payout |
R025 | Required information missing. | Payout |
R026 | Payment rejected due to unavailable bank services. | Payin and payout |
R027 | Account exceeds the maximum allowed transaction limit. | Payin and payout |
R034 | Account closed. | Payin and payout |
R085 | Bank processing error. | Payout |
Event
money_movements.status.rejectedHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_FastPay5568Cmp",IdiUnique Cobre identifier for this resource. "event_key": "money_movements.status.rejected",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:35:21Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "content": {ContentiEvent-specific payload — same layout as the GET response for that resource. "id": "mm_FastPay5568",IdiUnique Cobre identifier for this resource. "status": {StatusiLifecycle status object for the resource or movement. "state": "rejected",StateiCurrent lifecycle state (e.g. completed, failed, rejected). "code": "R018",CodeiProvider or Cobre status code when the state is failed or rejected. "description": "Payment rejected due invalid key."DescriptioniHuman-readable label or note. }, "metadata": {MetadataiCustom key-value metadata attached to the resource. "description": "Supplier payout FastPay"DescriptioniHuman-readable label or note. }, "creator": "cli_demo_co_01",CreatoriActor that created the resource. On a Checkout-created Money Movement this is the r2p source counterparty (cp_…), not the API user. "external_id": "payout-fp-5568",External IdiYour own reference echoed by Cobre for reconciliation. "checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API. "mm_approval_id": "",Mm Approval IdiMoney Movement Approval id (mma_…) when checker_approval is true — used for the decision endpoint. "type": "fast_pay",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins). "geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico). "source_id": "acc_FundingCOP01",Source IdiCobre id of the source account or counterparty. "destination_id": "cp_BankVendor10",Destination IdiCobre id of the destination account or counterparty. "currency": "cop",CurrencyiISO currency code (e.g. cop, mxn). "amount": 3000000,AmountiAmount in cents — the last two digits are decimals. "created_at": "2026-06-26T12:35:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:35:21Z"Updated AtiTimestamp of the last update (ISO 8601, UTC). }}Payouts debit the source Cobre Balance while the movement is processing to lock funds. If the movement ends in failed, rejected, or canceled, Cobre posts a compensation credit (breb_credit or col_cb_credit). Payins credit the destination on completion only.
While the movement is in processing, Cobre debits the source Cobre Balance to lock the payout amount. Subscribe to accounts.balance.debit and money_movements.status.processing.
Event
accounts.balance.debitHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_FastPay556Lk",IdiUnique Cobre identifier for this resource. "event_key": "accounts.balance.debit",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:35:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "content": {ContentiEvent-specific payload — same layout as the GET response for that resource. "id": "trx_FastPay5568Lk",IdiUnique Cobre identifier for this resource. "type": "col_cb_debit",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins). "account_id": "acc_FundingCOP01",Account IdiCobre Balance account id affected by the event. "amount": -3000000,AmountiAmount in cents — the last two digits are decimals. "previous_balance": 8000000,Previous BalanceiCobre field at "content.previous_balance" in this payload. "current_balance": 5000000,Current BalanceiCobre field at "content.current_balance" in this payload. "currency": "COP",CurrencyiISO currency code (e.g. cop, mxn). "credit_debit_type": "debit",Credit Debit Typeicredit = funds in; debit = funds out. "transaction_date": "2026-06-26T12:35:00Z",Transaction DateiTimestamp when the transaction was posted (ISO 8601, UTC). "created_at": "2026-06-26T12:35:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "metadata": {MetadataiCustom key-value metadata attached to the resource. "money_movement_id": "mm_FastPay5568",Money Movement IdiMoney Movement that generated this balance transaction. "description": "Supplier payout FastPay",DescriptioniHuman-readable label or note. "beneficiary_account_number": "",Beneficiary Account NumberiMetadata field "beneficiary_account_number" attached to the resource. "tracking_key": ""Tracking KeyiNetwork tracking key for the payment (PSE ticket or Bre-B key). } }}On completion the locked funds are sent to the beneficiary. The processing debit remains on the ledger — no compensation credit is posted.
Event
accounts.balance.debitHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_FastPay556Lk",IdiUnique Cobre identifier for this resource. "event_key": "accounts.balance.debit",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:35:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "content": {ContentiEvent-specific payload — same layout as the GET response for that resource. "id": "trx_FastPay5568Lk",IdiUnique Cobre identifier for this resource. "type": "col_cb_debit",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins). "account_id": "acc_FundingCOP01",Account IdiCobre Balance account id affected by the event. "amount": -3000000,AmountiAmount in cents — the last two digits are decimals. "previous_balance": 8000000,Previous BalanceiCobre field at "content.previous_balance" in this payload. "current_balance": 5000000,Current BalanceiCobre field at "content.current_balance" in this payload. "currency": "COP",CurrencyiISO currency code (e.g. cop, mxn). "credit_debit_type": "debit",Credit Debit Typeicredit = funds in; debit = funds out. "transaction_date": "2026-06-26T12:35:00Z",Transaction DateiTimestamp when the transaction was posted (ISO 8601, UTC). "created_at": "2026-06-26T12:35:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "metadata": {MetadataiCustom key-value metadata attached to the resource. "money_movement_id": "mm_FastPay5568",Money Movement IdiMoney Movement that generated this balance transaction. "description": "Supplier payout FastPay",DescriptioniHuman-readable label or note. "beneficiary_account_number": "",Beneficiary Account NumberiMetadata field "beneficiary_account_number" attached to the resource. "tracking_key": ""Tracking KeyiNetwork tracking key for the payment (PSE ticket or Bre-B key). } }}If the movement reaches a terminal failed, rejected, or canceled state, Cobre credits the source Cobre Balance to release the lock (breb_credit for Bre-B, col_cb_credit for bank rails).
Event
accounts.balance.creditHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_FastPay556Cp",IdiUnique Cobre identifier for this resource. "event_key": "accounts.balance.credit",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:35:21Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "content": {ContentiEvent-specific payload — same layout as the GET response for that resource. "id": "trx_FastPay5568Cp",IdiUnique Cobre identifier for this resource. "type": "col_cb_credit",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins). "account_id": "acc_FundingCOP01",Account IdiCobre Balance account id affected by the event. "amount": 3000000,AmountiAmount in cents — the last two digits are decimals. "previous_balance": 0,Previous BalanceiCobre field at "content.previous_balance" in this payload. "current_balance": 3000000,Current BalanceiCobre field at "content.current_balance" in this payload. "currency": "COP",CurrencyiISO currency code (e.g. cop, mxn). "credit_debit_type": "credit",Credit Debit Typeicredit = funds in; debit = funds out. "transaction_date": "2026-06-26T12:35:21Z",Transaction DateiTimestamp when the transaction was posted (ISO 8601, UTC). "created_at": "2026-06-26T12:35:21Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "metadata": {MetadataiCustom key-value metadata attached to the resource. "money_movement_id": "mm_FastPay5568",Money Movement IdiMoney Movement that generated this balance transaction. "description": "Supplier payout FastPay",DescriptioniHuman-readable label or note. "tracking_key": "",Tracking KeyiNetwork tracking key for the payment (PSE ticket or Bre-B key). "sender_name": "",Sender NameiMetadata field "sender_name" attached to the resource. "sender_id": "",Sender IdiMetadata field "sender_id" attached to the resource. "sender_account_number": ""Sender Account NumberiMetadata field "sender_account_number" attached to the resource. } }}Documentation for this step
Create a Money MovementMoney Movements ApprovalFast Pay & ACHMoney Movement Statuses
Step 10 of 10
Fast Pay Payout
Reconciliation
Reconcile the Fast Pay Payout
Identical reconciliation to Bre-B: key on mm_id + external_id from the completion webhook. The response/webhook 'type' field (fast_pay vs ach) is the only thing that differs between the two bank rails.
Mapping the webhook payload from an earlier step onto Your Ledger. No API call is made — this step closes the loop in your own system.
| Cobre field & value | Your Ledger field | |
content.external_id payout-fp-5568 |
→ | payout_reference |
content.id mm_FastPay5568 |
→ | cobre_mm_id |
content.type fast_pay |
→ | rail_used fast_pay or ach — the rail Cobre selected. |
content.status.state completed |
→ | payout_status |
content.amount 3000000 |
→ | paid_amount_cents |