Payments / TypesPurchase
Purchase
Represents a payment for goods or services provided by a client using conomy_hq.
Payment model PURCHASE
Collect funds for goods, services, or a checkout event.
The buyer completes payment, Conomy reconciles the provider event, and the destination account receives the settlement after the payment reaches a terminal success state.
- Origin
- A pay-in rail selected by the buyer or your checkout experience.
- Destination
- The seller, platform, or merchant ACCOUNT that should receive the collected value.
- Best for
- Checkout, invoices, product payments, marketplace collections, and card or bank-transfer pay-ins tied to a commercial event.
Ownership
Section titled “Ownership”The payment is initiated by a third party (e.g., customer), not by the account owner. However, the account owner receives the funds. Only the account owner can configure or manage the receiving accounts.
Settlement Time
Section titled “Settlement Time”The time it takes for the funds to become available in the internal account depends on the selected payment method.
Bulk Payments
Section titled “Bulk Payments”Bulk payments are not supported for PURCHASE.
Available Origins by Region
Section titled “Available Origins by Region”| Region | Rail | Type |
|---|---|---|
| Global | Card | CARD |
| 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
Section titled “Available Destinations”PURCHASE settles funds into internal balances:
| Destination | Type |
|---|---|
| Internal account | ACCOUNT |