Topup account

Payment model TOPUP_ACCOUNT

Fund an internal Conomy account from an external rail.

The payer completes the rail action, Conomy receives provider confirmation, then the destination account is credited when the payment settles.

Origin: Pay-in rail such as CVU, PIX, ETPAY, PSE, ACH, FedNow, RTP, or a hosted gateway.
Destination: One internal ACCOUNT owned by the identity receiving the funds.
Best for: Wallet funding, platform balances, prefunding payout accounts, and onboarding flows where money enters Conomy first.

Example

{
  "identityId": "<IDENTITY_ID>",
  "accountNumber": "<ACCOUNT_NUMBER>",
  "product": "CLP:CLP",
  "type": "TOPUP_ACCOUNT",
  "purchaseAmount": "100000",
  "purchaseCurrency": "CLP",
  "currency": "CLP",
  "origins": [
    {
      "type": "ETPAY",
      "currency": "CLP",
      "etpay": {
        "successUrl": "https://yourapp.com/success",
        "failedUrl": "https://yourapp.com/failed",
        "customer": {
          "firstName": "John",
          "email": "john@example.com"
        }
      }
    }
  ],
  "destinations": [
    {
      "type": "ACCOUNT",
      "currency": "CLP",
      "identity": { "identityId": "<IDENTITY_ID>" },
      "account": { "accountNumber": "<ACCOUNT_NUMBER>" }
    }
  ]
}

Ownership

Only the account owner can initiate a top-up.

Settlement Time

Settlement time depends on the payment rail. Instant rails (e.g., PIX) settle in seconds. Open banking rails (e.g., ETPAY) may take a few minutes after bank authorization.

Bulk Payments

Bulk payments are not supported for TOPUP_ACCOUNT.

Available Origins by Region

Region	Rail	Type
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

TOPUP_ACCOUNT credits internal balances only:

Destination	Type
Internal account	`ACCOUNT`