Create a purchase

A PURCHASE payment is used when an end customer pays for goods, services, invoices, or a checkout event. The origin is the customer’s pay-in rail. The destination is the merchant or platform ACCOUNT that should receive the collected value.

Note

Use PURCHASE when the payment represents a commercial event. Use TOPUP_ACCOUNT when the user is only funding an internal balance.

Flow

01

Discover rails

Call available products for the customer currency.

02

Create purchase

Send a PURCHASE payment with a pay-in origin and account destination.

03

Send customer

Redirect or show the provider instruction returned by the rail.

04

Capture

Capture when authorization is complete.

05

Fulfill

Use webhooks as the final source of truth.

Create the purchase

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

{
  "externalId": "order-1001",
  "identityId": "<MERCHANT_IDENTITY_ID>",
  "accountNumber": "<MERCHANT_ACCOUNT_NUMBER>",
  "product": "CLP:CLP",
  "type": "PURCHASE",
  "purchaseAmount": "49990",
  "purchaseCurrency": "CLP",
  "currency": "CLP",
  "origins": [
    {
      "type": "ETPAY",
      "currency": "CLP",
      "etpay": {
        "successUrl": "https://yourapp.com/orders/1001/success",
        "failedUrl": "https://yourapp.com/orders/1001/failed",
        "customer": {
          "firstName": "Jane",
          "email": "jane@example.com"
        }
      }
    }
  ],
  "destinations": [
    {
      "type": "ACCOUNT",
      "amount": "49990",
      "currency": "CLP",
      "identity": {
        "identityId": "<MERCHANT_IDENTITY_ID>"
      },
      "account": {
        "accountNumber": "<MERCHANT_ACCOUNT_NUMBER>"
      }
    }
  ]
}

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 '{
    "externalId": "order-1001",
    "identityId": "<MERCHANT_IDENTITY_ID>",
    "accountNumber": "<MERCHANT_ACCOUNT_NUMBER>",
    "product": "CLP:CLP",
    "type": "PURCHASE",
    "purchaseAmount": "49990",
    "purchaseCurrency": "CLP",
    "currency": "CLP",
    "origins": [
      {
        "type": "ETPAY",
        "currency": "CLP",
        "etpay": {
          "successUrl": "https://yourapp.com/orders/1001/success",
          "failedUrl": "https://yourapp.com/orders/1001/failed",
          "customer": {
            "firstName": "Jane",
            "email": "jane@example.com"
          }
        }
      }
    ],
    "destinations": [
      {
        "type": "ACCOUNT",
        "amount": "49990",
        "currency": "CLP",
        "identity": {
          "identityId": "<MERCHANT_IDENTITY_ID>"
        },
        "account": {
          "accountNumber": "<MERCHANT_ACCOUNT_NUMBER>"
        }
      }
    ]
  }'

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({
    "externalId": "order-1001",
    "identityId": "<MERCHANT_IDENTITY_ID>",
    "accountNumber": "<MERCHANT_ACCOUNT_NUMBER>",
    "product": "CLP:CLP",
    "type": "PURCHASE",
    "purchaseAmount": "49990",
    "purchaseCurrency": "CLP",
    "currency": "CLP",
    "origins": [
      {
        "type": "ETPAY",
        "currency": "CLP",
        "etpay": {
          "successUrl": "https://yourapp.com/orders/1001/success",
          "failedUrl": "https://yourapp.com/orders/1001/failed",
          "customer": {
            "firstName": "Jane",
            "email": "jane@example.com"
          }
        }
      }
    ],
    "destinations": [
      {
        "type": "ACCOUNT",
        "amount": "49990",
        "currency": "CLP",
        "identity": {
          "identityId": "<MERCHANT_IDENTITY_ID>"
        },
        "account": {
          "accountNumber": "<MERCHANT_ACCOUNT_NUMBER>"
        }
      }
    ]
  }),
});

const data = await response.json();

import requests

payload = {
  "externalId": "order-1001",
  "identityId": "<MERCHANT_IDENTITY_ID>",
  "accountNumber": "<MERCHANT_ACCOUNT_NUMBER>",
  "product": "CLP:CLP",
  "type": "PURCHASE",
  "purchaseAmount": "49990",
  "purchaseCurrency": "CLP",
  "currency": "CLP",
  "origins": [
    {
      "type": "ETPAY",
      "currency": "CLP",
      "etpay": {
        "successUrl": "https://yourapp.com/orders/1001/success",
        "failedUrl": "https://yourapp.com/orders/1001/failed",
        "customer": {
          "firstName": "Jane",
          "email": "jane@example.com"
        }
      }
    }
  ],
  "destinations": [
    {
      "type": "ACCOUNT",
      "amount": "49990",
      "currency": "CLP",
      "identity": {
        "identityId": "<MERCHANT_IDENTITY_ID>"
      },
      "account": {
        "accountNumber": "<MERCHANT_ACCOUNT_NUMBER>"
      }
    }
  ]
}

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(`{
  "externalId": "order-1001",
  "identityId": "<MERCHANT_IDENTITY_ID>",
  "accountNumber": "<MERCHANT_ACCOUNT_NUMBER>",
  "product": "CLP:CLP",
  "type": "PURCHASE",
  "purchaseAmount": "49990",
  "purchaseCurrency": "CLP",
  "currency": "CLP",
  "origins": [
    {
      "type": "ETPAY",
      "currency": "CLP",
      "etpay": {
        "successUrl": "https://yourapp.com/orders/1001/success",
        "failedUrl": "https://yourapp.com/orders/1001/failed",
        "customer": {
          "firstName": "Jane",
          "email": "jane@example.com"
        }
      }
    }
  ],
  "destinations": [
    {
      "type": "ACCOUNT",
      "amount": "49990",
      "currency": "CLP",
      "identity": {
        "identityId": "<MERCHANT_IDENTITY_ID>"
      },
      "account": {
        "accountNumber": "<MERCHANT_ACCOUNT_NUMBER>"
      }
    }
  ]
}`)
	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!({
  "externalId": "order-1001",
  "identityId": "<MERCHANT_IDENTITY_ID>",
  "accountNumber": "<MERCHANT_ACCOUNT_NUMBER>",
  "product": "CLP:CLP",
  "type": "PURCHASE",
  "purchaseAmount": "49990",
  "purchaseCurrency": "CLP",
  "currency": "CLP",
  "origins": [
    {
      "type": "ETPAY",
      "currency": "CLP",
      "etpay": {
        "successUrl": "https://yourapp.com/orders/1001/success",
        "failedUrl": "https://yourapp.com/orders/1001/failed",
        "customer": {
          "firstName": "Jane",
          "email": "jane@example.com"
        }
      }
    }
  ],
  "destinations": [
    {
      "type": "ACCOUNT",
      "amount": "49990",
      "currency": "CLP",
      "identity": {
        "identityId": "<MERCHANT_IDENTITY_ID>"
      },
      "account": {
        "accountNumber": "<MERCHANT_ACCOUNT_NUMBER>"
      }
    }
  ]
});

    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>",
  "externalId": "order-1001",
  "type": "PURCHASE",
  "status": "CREATED",
  "product": "CLP:CLP",
  "origins": [
    {
      "type": "ETPAY",
      "etpay": {
        "url": "https://provider.example/authorize"
      }
    }
  ]
}

Capture after authorization

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
Content-Type: application/json
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 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -d '{}'

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',
    'Content-Type': 'application/json',
    'Accept': 'application/json',
  },
  body: JSON.stringify({}),
});

const data = await response.json();

import requests

payload = {}

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',
    'Content-Type': 'application/json',
    'Accept': 'application/json',
    },
    json=payload,
)

data = response.json()

package main

import (
	"bytes"
	"net/http"
)

func main() {
	payload := []byte(`{}`)
	body := bytes.NewReader(payload)
	req, _ := http.NewRequest("POST", "https://api.conomyhq.com/sandbox/payments/{PAYMENT_ID}/captured", 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!({});

    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("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": "PURCHASE",
  "status": "CAPTURED",
  "capturedAt": "2026-05-18T10:00:00Z"
}

Fulfill from final state

Do not fulfill the order only because the browser returned to successUrl. Use payment.settled, payment.failed, or GET /payments/{id} to mirror the final state in your own system.