Peer to peer payment - P2P

Note

You can use payment-attempts or create the payment directly.

A P2P (peer-to-peer) transaction is used to transfer funds between service providers or organizations. This is ideal for internal transfers, operator-to-operator flows, or any case where both origin and destination are known entities. Although similar in structure to PURCHASE, it must not be used for customer payment flows.

Payment flow

01

Origin account

Identify the internal account that sends funds.

02

Destination account

Attach the receiving internal identity and account.

03

Create payment

Submit the P2P transaction payload.

04

Capture

Finalize the internal transfer.

Create payment

Creates a P2P transaction by specifying the origin and destination accounts, both belonging to known internal identities.

Request

HTTPcurlJavaScriptPythonGoRust

POST /sandbox/payments HTTP/1.1
Host: api.conomyhq.com
x-api-key: {YOUR_API_KEY}
Authorization: Bearer {ACCESS_TOKEN}
conomyhq-api-version: 24-04-2025
User-Agent: MyApp/1.0
Content-Type: application/json
Accept: application/json

{
  "identityId": "67f21a61d6d09fcbb4e84631",
  "externalId": "p2p-transfer-001",
  "accountNumber": "1743919714051743919010211",
  "product": "COP:COP",
  "type": "P2P",
  "purchaseAmount": "15000.00",
  "purchaseCurrency": "COP",
  "currency": "COP",
  "origins": [
    {
      "type": "ACCOUNT",
      "currency": "COP",
      "identity": {
        "identityId": "67f21a61d6d09fcbb4e84631"
      },
      "account": {
        "accountNumber": "1743919714051743919010211"
      }
    }
  ],
  "destinations": [
    {
      "type": "ACCOUNT",
      "amount": "15000.00",
      "currency": "COP",
      "identity": {
        "identityId": "67f21d17d6d09fcbb4e84632"
      },
      "account": {
        "accountNumber": "17439204080520250406060905072"
      }
    }
  ]
}

curl -X POST 'https://api.conomyhq.com/sandbox/payments' \
  -H 'x-api-key: {YOUR_API_KEY}' \
  -H 'Authorization: Bearer {ACCESS_TOKEN}' \
  -H 'conomyhq-api-version: 24-04-2025' \
  -H 'User-Agent: MyApp/1.0' \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -d '{
    "identityId": "67f21a61d6d09fcbb4e84631",
    "externalId": "p2p-transfer-001",
    "accountNumber": "1743919714051743919010211",
    "product": "COP:COP",
    "type": "P2P",
    "purchaseAmount": "15000.00",
    "purchaseCurrency": "COP",
    "currency": "COP",
    "origins": [
      {
        "type": "ACCOUNT",
        "currency": "COP",
        "identity": {
          "identityId": "67f21a61d6d09fcbb4e84631"
        },
        "account": {
          "accountNumber": "1743919714051743919010211"
        }
      }
    ],
    "destinations": [
      {
        "type": "ACCOUNT",
        "amount": "15000.00",
        "currency": "COP",
        "identity": {
          "identityId": "67f21d17d6d09fcbb4e84632"
        },
        "account": {
          "accountNumber": "17439204080520250406060905072"
        }
      }
    ]
  }'

const response = await fetch('https://api.conomyhq.com/sandbox/payments', {
  method: 'POST',
  headers: {
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Content-Type': 'application/json',
    'Accept': 'application/json',
  },
  body: JSON.stringify({
    "identityId": "67f21a61d6d09fcbb4e84631",
    "externalId": "p2p-transfer-001",
    "accountNumber": "1743919714051743919010211",
    "product": "COP:COP",
    "type": "P2P",
    "purchaseAmount": "15000.00",
    "purchaseCurrency": "COP",
    "currency": "COP",
    "origins": [
      {
        "type": "ACCOUNT",
        "currency": "COP",
        "identity": {
          "identityId": "67f21a61d6d09fcbb4e84631"
        },
        "account": {
          "accountNumber": "1743919714051743919010211"
        }
      }
    ],
    "destinations": [
      {
        "type": "ACCOUNT",
        "amount": "15000.00",
        "currency": "COP",
        "identity": {
          "identityId": "67f21d17d6d09fcbb4e84632"
        },
        "account": {
          "accountNumber": "17439204080520250406060905072"
        }
      }
    ]
  }),
});

const data = await response.json();

import requests

payload = {
  "identityId": "67f21a61d6d09fcbb4e84631",
  "externalId": "p2p-transfer-001",
  "accountNumber": "1743919714051743919010211",
  "product": "COP:COP",
  "type": "P2P",
  "purchaseAmount": "15000.00",
  "purchaseCurrency": "COP",
  "currency": "COP",
  "origins": [
    {
      "type": "ACCOUNT",
      "currency": "COP",
      "identity": {
        "identityId": "67f21a61d6d09fcbb4e84631"
      },
      "account": {
        "accountNumber": "1743919714051743919010211"
      }
    }
  ],
  "destinations": [
    {
      "type": "ACCOUNT",
      "amount": "15000.00",
      "currency": "COP",
      "identity": {
        "identityId": "67f21d17d6d09fcbb4e84632"
      },
      "account": {
        "accountNumber": "17439204080520250406060905072"
      }
    }
  ]
}

response = requests.post(
    'https://api.conomyhq.com/sandbox/payments',
    headers={
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Content-Type': 'application/json',
    'Accept': 'application/json',
    },
    json=payload,
)

data = response.json()

package main

import (
	"bytes"
	"net/http"
)

func main() {
	payload := []byte(`{
  "identityId": "67f21a61d6d09fcbb4e84631",
  "externalId": "p2p-transfer-001",
  "accountNumber": "1743919714051743919010211",
  "product": "COP:COP",
  "type": "P2P",
  "purchaseAmount": "15000.00",
  "purchaseCurrency": "COP",
  "currency": "COP",
  "origins": [
    {
      "type": "ACCOUNT",
      "currency": "COP",
      "identity": {
        "identityId": "67f21a61d6d09fcbb4e84631"
      },
      "account": {
        "accountNumber": "1743919714051743919010211"
      }
    }
  ],
  "destinations": [
    {
      "type": "ACCOUNT",
      "amount": "15000.00",
      "currency": "COP",
      "identity": {
        "identityId": "67f21d17d6d09fcbb4e84632"
      },
      "account": {
        "accountNumber": "17439204080520250406060905072"
      }
    }
  ]
}`)
	body := bytes.NewReader(payload)
	req, _ := http.NewRequest("POST", "https://api.conomyhq.com/sandbox/payments", body)
	req.Header.Set("x-api-key", "{YOUR_API_KEY}")
	req.Header.Set("Authorization", "Bearer {ACCESS_TOKEN}")
	req.Header.Set("conomyhq-api-version", "24-04-2025")
	req.Header.Set("User-Agent", "MyApp/1.0")
	req.Header.Set("Content-Type", "application/json")
	req.Header.Set("Accept", "application/json")

	client := &http.Client{}
	resp, _ := client.Do(req)
	defer resp.Body.Close()
}

use reqwest::Client;
use serde_json::json;

#[tokio::main]
async fn main() -> Result<(), Box<dyn std::error::Error>> {
    let client = Client::new();
    let payload = json!({
  "identityId": "67f21a61d6d09fcbb4e84631",
  "externalId": "p2p-transfer-001",
  "accountNumber": "1743919714051743919010211",
  "product": "COP:COP",
  "type": "P2P",
  "purchaseAmount": "15000.00",
  "purchaseCurrency": "COP",
  "currency": "COP",
  "origins": [
    {
      "type": "ACCOUNT",
      "currency": "COP",
      "identity": {
        "identityId": "67f21a61d6d09fcbb4e84631"
      },
      "account": {
        "accountNumber": "1743919714051743919010211"
      }
    }
  ],
  "destinations": [
    {
      "type": "ACCOUNT",
      "amount": "15000.00",
      "currency": "COP",
      "identity": {
        "identityId": "67f21d17d6d09fcbb4e84632"
      },
      "account": {
        "accountNumber": "17439204080520250406060905072"
      }
    }
  ]
});

    let response = client
        .post("https://api.conomyhq.com/sandbox/payments")
        .header("x-api-key", "{YOUR_API_KEY}")
        .header("Authorization", "Bearer {ACCESS_TOKEN}")
        .header("conomyhq-api-version", "24-04-2025")
        .header("User-Agent", "MyApp/1.0")
        .header("Content-Type", "application/json")
        .header("Accept", "application/json")
        .json(&payload)
        .send()
        .await?;

    let data: serde_json::Value = response.json().await?;
    Ok(())
}

Response

200

{
  "id": "<PAYMENT_ID>",
  "type": "P2P",
  "status": "CREATED"
}

Capture payment

Capture the P2P transaction to finalize the transfer between entities.

Request

HTTPcurlJavaScriptPythonGoRust

POST /sandbox/payments/{PAYMENT_ID}/captured HTTP/1.1
Host: api.conomyhq.com
x-api-key: {YOUR_API_KEY}
Authorization: Bearer {ACCESS_TOKEN}
conomyhq-api-version: 24-04-2025
User-Agent: MyApp/1.0
Accept: application/json

curl -X POST 'https://api.conomyhq.com/sandbox/payments/{PAYMENT_ID}/captured' \
  -H 'x-api-key: {YOUR_API_KEY}' \
  -H 'Authorization: Bearer {ACCESS_TOKEN}' \
  -H 'conomyhq-api-version: 24-04-2025' \
  -H 'User-Agent: MyApp/1.0' \
  -H 'Accept: application/json'

const response = await fetch('https://api.conomyhq.com/sandbox/payments/{PAYMENT_ID}/captured', {
  method: 'POST',
  headers: {
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Accept': 'application/json',
  },
});

const data = await response.json();

import requests

response = requests.post(
    'https://api.conomyhq.com/sandbox/payments/{PAYMENT_ID}/captured',
    headers={
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Accept': 'application/json',
    },
)

data = response.json()

package main

import (
	"net/http"
)

func main() {
	req, _ := http.NewRequest("POST", "https://api.conomyhq.com/sandbox/payments/{PAYMENT_ID}/captured", nil)
	req.Header.Set("x-api-key", "{YOUR_API_KEY}")
	req.Header.Set("Authorization", "Bearer {ACCESS_TOKEN}")
	req.Header.Set("conomyhq-api-version", "24-04-2025")
	req.Header.Set("User-Agent", "MyApp/1.0")
	req.Header.Set("Accept", "application/json")

	client := &http.Client{}
	resp, _ := client.Do(req)
	defer resp.Body.Close()
}

use reqwest::Client;

#[tokio::main]
async fn main() -> Result<(), Box<dyn std::error::Error>> {
    let client = Client::new();
    let response = client
        .post("https://api.conomyhq.com/sandbox/payments/{PAYMENT_ID}/captured")
        .header("x-api-key", "{YOUR_API_KEY}")
        .header("Authorization", "Bearer {ACCESS_TOKEN}")
        .header("conomyhq-api-version", "24-04-2025")
        .header("User-Agent", "MyApp/1.0")
        .header("Accept", "application/json")
        .send()
        .await?;

    let data: serde_json::Value = response.json().await?;
    Ok(())
}

Response

200

{
  "id": "<PAYMENT_ID>",
  "status": "CAPTURED"
}

Webhook simulation

Simulate a webhook event to confirm the P2P transaction has been received or processed.

Request

HTTPcurlJavaScriptPythonGoRust

POST /sandboxwebhook/payments/received/payment-provider HTTP/1.1
Host: api.conomyhq.com
x-api-key: {YOUR_API_KEY}
Authorization: Bearer {ACCESS_TOKEN}
conomyhq-api-version: 24-04-2025
User-Agent: MyApp/1.0
Content-Type: application/json
Accept: application/json

{
  "id": "<PAYMENT_ID>"
}

curl -X POST 'https://api.conomyhq.com/sandboxwebhook/payments/received/payment-provider' \
  -H 'x-api-key: {YOUR_API_KEY}' \
  -H 'Authorization: Bearer {ACCESS_TOKEN}' \
  -H 'conomyhq-api-version: 24-04-2025' \
  -H 'User-Agent: MyApp/1.0' \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -d '{
    "id": "<PAYMENT_ID>"
  }'

const response = await fetch('https://api.conomyhq.com/sandboxwebhook/payments/received/payment-provider', {
  method: 'POST',
  headers: {
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Content-Type': 'application/json',
    'Accept': 'application/json',
  },
  body: JSON.stringify({
    "id": "<PAYMENT_ID>"
  }),
});

const data = await response.json();

import requests

payload = {
  "id": "<PAYMENT_ID>"
}

response = requests.post(
    'https://api.conomyhq.com/sandboxwebhook/payments/received/payment-provider',
    headers={
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Content-Type': 'application/json',
    'Accept': 'application/json',
    },
    json=payload,
)

data = response.json()

package main

import (
	"bytes"
	"net/http"
)

func main() {
	payload := []byte(`{
  "id": "<PAYMENT_ID>"
}`)
	body := bytes.NewReader(payload)
	req, _ := http.NewRequest("POST", "https://api.conomyhq.com/sandboxwebhook/payments/received/payment-provider", body)
	req.Header.Set("x-api-key", "{YOUR_API_KEY}")
	req.Header.Set("Authorization", "Bearer {ACCESS_TOKEN}")
	req.Header.Set("conomyhq-api-version", "24-04-2025")
	req.Header.Set("User-Agent", "MyApp/1.0")
	req.Header.Set("Content-Type", "application/json")
	req.Header.Set("Accept", "application/json")

	client := &http.Client{}
	resp, _ := client.Do(req)
	defer resp.Body.Close()
}

use reqwest::Client;
use serde_json::json;

#[tokio::main]
async fn main() -> Result<(), Box<dyn std::error::Error>> {
    let client = Client::new();
    let payload = json!({
  "id": "<PAYMENT_ID>"
});

    let response = client
        .post("https://api.conomyhq.com/sandboxwebhook/payments/received/payment-provider")
        .header("x-api-key", "{YOUR_API_KEY}")
        .header("Authorization", "Bearer {ACCESS_TOKEN}")
        .header("conomyhq-api-version", "24-04-2025")
        .header("User-Agent", "MyApp/1.0")
        .header("Content-Type", "application/json")
        .header("Accept", "application/json")
        .json(&payload)
        .send()
        .await?;

    let data: serde_json::Value = response.json().await?;
    Ok(())
}

Response

200

{
  "ok": true
}

Check account information

Verify the origin or destination account at any time to ensure correctness.

Request

HTTPcurlJavaScriptPythonGoRust

GET /sandbox/accounts?accountNumber=1743919714051743919010211 HTTP/1.1
Host: api.conomyhq.com
x-api-key: {YOUR_API_KEY}
Authorization: Bearer {ACCESS_TOKEN}
conomyhq-api-version: 24-04-2025
User-Agent: MyApp/1.0
Accept: application/json

curl -X GET 'https://api.conomyhq.com/sandbox/accounts?accountNumber=1743919714051743919010211' \
  -H 'x-api-key: {YOUR_API_KEY}' \
  -H 'Authorization: Bearer {ACCESS_TOKEN}' \
  -H 'conomyhq-api-version: 24-04-2025' \
  -H 'User-Agent: MyApp/1.0' \
  -H 'Accept: application/json'

const response = await fetch('https://api.conomyhq.com/sandbox/accounts?accountNumber=1743919714051743919010211', {
  method: 'GET',
  headers: {
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Accept': 'application/json',
  },
});

const data = await response.json();

import requests

response = requests.get(
    'https://api.conomyhq.com/sandbox/accounts?accountNumber=1743919714051743919010211',
    headers={
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Accept': 'application/json',
    },
)

data = response.json()

package main

import (
	"net/http"
)

func main() {
	req, _ := http.NewRequest("GET", "https://api.conomyhq.com/sandbox/accounts?accountNumber=1743919714051743919010211", nil)
	req.Header.Set("x-api-key", "{YOUR_API_KEY}")
	req.Header.Set("Authorization", "Bearer {ACCESS_TOKEN}")
	req.Header.Set("conomyhq-api-version", "24-04-2025")
	req.Header.Set("User-Agent", "MyApp/1.0")
	req.Header.Set("Accept", "application/json")

	client := &http.Client{}
	resp, _ := client.Do(req)
	defer resp.Body.Close()
}

use reqwest::Client;

#[tokio::main]
async fn main() -> Result<(), Box<dyn std::error::Error>> {
    let client = Client::new();
    let response = client
        .get("https://api.conomyhq.com/sandbox/accounts?accountNumber=1743919714051743919010211")
        .header("x-api-key", "{YOUR_API_KEY}")
        .header("Authorization", "Bearer {ACCESS_TOKEN}")
        .header("conomyhq-api-version", "24-04-2025")
        .header("User-Agent", "MyApp/1.0")
        .header("Accept", "application/json")
        .send()
        .await?;

    let data: serde_json::Value = response.json().await?;
    Ok(())
}

Response

200

{
  "id": "<ACCOUNT_ID>",
  "accountNumber": "1743919714051743919010211",
  "availableFunds": "15000.00",
  "currency": "COP",
  "status": "ACTIVE"
}