# Bre-B: Colombia’s Instant Payment System

Bre-B is Colombia’s new real-time payments platform launched by the Central Bank. It allows users to send and receive funds instantly via unique “Bre-B keys.”

#### Key Features

**Bre-B Keys (Claves Bre-B):**\
Users can register identifiers such as phone numbers, email addresses, national IDs, or randomly generated aliases. Each key is mapped to a specific financial account for instant transfers.

**Cashouts to Bre-B Keys:**\
Merchants can initiate withdrawals to a user’s Bre-B key instead of a traditional bank account number, streamlining the payout process and ensuring faster fund delivery.

#### Supported Bre-B Key Types (and bank\_code)

| Bank / Channel      | Code    | Notes                                                                                                                  |
| ------------------- | ------- | ---------------------------------------------------------------------------------------------------------------------- |
| BREB Key — Phone    | `20000` | `bank_account` and `bank_branch` must be empty. `phone` is required. `account_type` can be any value.                  |
| BREB Key — Email    | `20001` | `bank_account` and `bank_branch` must be empty. `email` is required. `account_type` can be any value.                  |
| BREB Key — Document | `20002` | `bank_account` and `bank_branch` must be empty. `document_id` is required. `account_type` can be any value.            |
| BREB Key — Random   | `20003` | `bank_branch` must be empty. `bank_account` must contain the BRE-B random key string. `account_type` can be any value. |

#### Cashout Validations for Colombia

To successfully process cashouts in Colombia, the following parameters and formats must be respected:

| Field                                       | Description / Format                                         |
| ------------------------------------------- | ------------------------------------------------------------ |
| `login` / `pass`                            | Merchant credentials for cashout API access                  |
| `external_id`                               | Merchant transaction ID (max length 100)                     |
| `country`                                   | Must be `CO`                                                 |
| `currency`                                  | `COP` or `USD`                                               |
| `amount`                                    | Numeric, up to two decimal places                            |
| `document_id` / `document_type`             | Accepts `CC`, `NIT`, `CE`, or `PASS`, depending on user type |
| `bank_code`                                 | 1184                                                         |
| `bank_account`                              | Numeric format, length depending on the selected bank        |
| `account_type`                              | `C` (checking) or `S` (savings)                              |
| `beneficiary_name` / `beneficiary_lastname` | Text fields, required                                        |
| `address`                                   | Optional, depending on method                                |
| `phone`                                     | Must include country code `+57`                              |
| `email`                                     | Optional, required only for certain payout methods           |

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