How to receive PSE payments in Colombia: A guide for businesses

Offering PSE (Secure Online Payments) as a payment option in your company guarantees more confidence for buyers, expands your market by including those who prefer to avoid credit cards and optimizes the management of collections. Learn how it works and why it is essential in today's digital commerce.

What is PSE and how does it work for companies?

Secure Online Payments or PSE is an electronic payment system that serves as a bridge between merchants, collection entities and users, with the main financial entities in Colombia, such as Bancolombia, Davivienda and Banco de Bogotá.

This system, developed by ACH Colombia, allows you to make financial transactions (buying or selling) online, debiting funds directly from your bank account, as if you were paying with your debit card.

When a person buys or pays through PSE, they connect to their bank, log in with their credentials and authorize the transaction from their savings or checking account quickly and securely. 

How to receive PSE payments in your business? 

For businesses, PSE acts as an intermediary between the customer's bank and the business' bank account, ensuring that money reaches its destination smoothly, quickly and securely. 

The process of receiving payments through PSE is carried out in three stages: 

Integration

First, the company must join ACH Colombia, the PSE administrator. 

Then, the PSE payment button must be enabled on the business' website, mobile app or digital invoicing system, which allows this option to be offered to customers. 

Payment process

Once the customer chooses PSE payments as payment method, he/she will be redirected to a page where he/she can select his/her financial institution and the type of account he/she has (checking or savings account).

You will then be able to access your bank's portal and log in with your credentials. Within online banking, you will be able to view the details of the transaction and confirm the payment securely.

Collection

Once the payment is confirmed, the bank processes the debit and both parties (customer and company) receive automatic notifications about the payment status. The customer is then redirected to the company's platform to continue the flow.

The money is credited directly to the company's bank account quickly (usually the same day or the next business day).

This entire process is managed and coordinated by a payment service provider that takes care of the technical integration, security and user experience by acting as an efficient and reliable payment gateway.

For example, Rebill simplifies PSE integration with a secure, easy-to-use API, automating collections and improving financial management to help your business grow smoothly.

Importance of receiving PSE payments in your business

In Colombia, most of the population has a bank account, but not everyone has a credit card or feels comfortable using it for online payments. As a result, PSE has become a key alternative for many shoppers. 

The data supports this trend: in the first half of 2024, more than 370 million transactions were made through PSE and, according to ACH Colombia, at the end of that year there were 38 million transactions between PSE and Transfiyá.

In addition, the Colombian Chamber of Electronic Commerce (CCCE) reported that in the second quarter of 2025, bank account debit by PSE represented 63.9% of the share of payment methods, reflecting the preference of most Colombians for this option.

Against this backdrop, offering PSE and other varied payment methods is key for companies to not only ensure more sales, but also provide secure and convenient options that suit their customers' preferences.

Benefits of integrating PSE in your company

With PSE, your customers can pay securely without having to share sensitive credit card data, since they connect directly with their bank, a known and trusted environment for them. This is the main reason why it is the preferred option for users.

For companies, using this means of payment allows them to:

• Greater reach: allows you to receive payments from anyone with a bank account in Colombia, even if they do not have a credit card, significantly expanding your customer base.
• Security: transactions are validated with the customer's personal password established by his bank, which considerably reduces the risk of fraud and guarantees secure transactions.
• Trust: The PSE button is widely recognized as an official and secure method, generating greater confidence among users to complete their payments.
• Versatility: this method is not only ideal for online sales, but also facilitates the collection of invoices, license plates, taxes, utilities, among others, offering a flexible option for diverse needs.
• Quick collection: PSE payments are processed in real time or in very short periods of time, which improves your company's cash flow and financial management.
• Competitive costs: unlike other media, PSE tends to have low or zero costs per transaction, optimizing profitability for the companies that use it.

Integrating Secure Online Payments into your business not only improves the customer experience, but also strengthens your company's operational efficiency and competitiveness in an increasingly digitized market.

How do you know if your company needs PSE?

Not using PSE as a payment method yet? Consider integrating it if you do: 

• Your business receives recurring paymentssuch as utilities, schools, gyms or insurance, where convenience and speed are key for your customers.
• If you sell products or services online (either through e-commerce, digital platforms or marketplaces) PSE is an ideal solution to facilitate secure and efficient collections.
• If you handle high volumes of invoicing, automating the collection through PSE can optimize your processes and reduce errors.
• Your customers prefer bank transfers or avoid using credit or debit cards for security or convenience.
• You want to minimize the risk associated with cash handling and modernize your payment methods.
• Your company is looking to grow and stay competitive.

Betting on PSE as a payment method positions your company in the digital vanguard, since it optimizes processes and strengthens the trust of those who make transactions with you.

Don't get left behind: integrate PSE today and start receiving secure payments in minutes,click and we will advise you!