> For the complete documentation index, see [llms.txt](https://plexo.gitbook.io/rest-api/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://plexo.gitbook.io/rest-api/reference/supported-payment-methods.md).

# Supported Payment Methods and Processors

*Complete reference of all payment methods and processors supported by Plexo in Uruguay.*

## Overview

Plexo supports **payment methods** across multiple categories in the Uruguayan market:

* **Card brands** (credit, debit, and prepaid cards)
* **Bank transfer options** (direct bank integrations)
* **Cash payment networks** (Abitab and Redpagos)
* **Buy-now-pay-later options** (BNPL)

All payment methods support both **UYU** (Uruguayan Peso) and **USD** (US Dollar) currencies unless otherwise noted.

***

## Payment Methods Summary

### Card Payments

| Payment Method       | ID              | Type         | Card Number Length | CVV Length | Processors                               |
| -------------------- | --------------- | ------------ | ------------------ | ---------- | ---------------------------------------- |
| **AMERICAN EXPRESS** | `amex`          | Credit       | 15 digits          | 4 digits   | Scotiabank                               |
| **ANDA**             | `anda`          | Credit       | 16 digits          | 3 digits   | Anda                                     |
| **CABAL**            | `cabal`         | Credit/Debit | 16 digits          | 3 digits   | Cabal                                    |
| **CLUB DEL ESTE**    | `club-del-este` | Credit       | 16 digits          | 3 digits   | Club del Este                            |
| **DINERS CLUB**      | `diners`        | Credit       | 14 digits          | 3 digits   | Cabal                                    |
| **EDENRED**          | `edenred`       | Meal Voucher | 16 digits          | 3 digits   | Cabal                                    |
| **LIDER**            | `lider`         | Credit       | 16 digits          | 3 digits   | Fiserv                                   |
| **MASTERCARD**       | `mastercard`    | Credit/Debit | 16 digits          | 3 digits   | OCA, Getnet, Scanntech, Totalnet, Fiserv |
| **OCA**              | `oca`           | Credit/Debit | 16 digits          | 3 digits   | OCA, Getnet, Fiserv, Totalnet            |
| **PASSCARD**         | `passcard`      | Credit       | 16 digits          | 4 digits   | Passcard                                 |
| **SODEXO**           | `sodexo`        | Meal Voucher | 16 digits          | 3 digits   | Fiserv, Sodexo                           |
| **TARJETA D**        | `tarjeta-d`     | Credit       | 16 digits          | None       | Créditos Directos                        |
| **VISA**             | `visa`          | Credit/Debit | 16 digits          | 3 digits   | Fiserv, OCA, Getnet, Totalnet, Scanntech |

### Bank Transfers

| Payment Method      | ID                | Processors        |
| ------------------- | ----------------- | ----------------- |
| **BANRED**          | `banred`          | Banred            |
| **BANDES**          | `bandes`          | Sistarbanc        |
| **BANQUE HERITAGE** | `banque-heritage` | Sistarbanc        |
| **BBVA**            | `bbva`            | Sistarbanc        |
| **BROU**            | `brou`            | Sistarbanc        |
| **HSBC**            | `hsbc`            | Sistarbanc        |
| **ITAÚ**            | `itau`            | Sistarbanc        |
| **PIX**             | `pix`             | Rendix, PagBrasil |
| **SANTANDER**       | `santander`       | Sistarbanc        |
| **SCOTIABANK**      | `scotiabank`      | Sistarbanc        |

### Cash Payments

| Payment Method | ID         | Processors |
| -------------- | ---------- | ---------- |
| **ABITAB**     | `abitab`   | Abitab     |
| **REDPAGOS**   | `redpagos` | Redpagos   |

### Buy-Now-Pay-Later (BNPL)

| Payment Method    | ID              | Currencies | Processors |
| ----------------- | --------------- | ---------- | ---------- |
| **PAGO DESPUÉS**  | `pago-despues`  | UYU only   | Paigo      |
| **PRÉSTAMO CASH** | `prestamo-cash` | UYU, USD   | Cash       |
| **PRONTO PAY**    | `pronto-pay`    | UYU only   | Pronto     |

***

## Processors Reference

### Available Processors

| Processor ID        | Name              | Payment Types |
| ------------------- | ----------------- | ------------- |
| `fiserv`            | Fiserv            | Cards         |
| `fiservIPG`         | Fiserv IPG        | Cards         |
| `oca`               | OCA               | Cards         |
| `oca_handy`         | OCA Handy         | Cards         |
| `getnet`            | Getnet            | Cards         |
| `totalnetRest`      | Totalnet REST     | Cards         |
| `totalnetRestTMS`   | Totalnet REST TMS | Cards         |
| `scanntech`         | Scanntech         | Cards         |
| `scotiabank`        | Scotiabank        | Cards         |
| `cabal`             | Cabal             | Cards         |
| `passcard`          | Passcard          | Cards         |
| `creditos-directos` | Créditos Directos | Cards         |
| `club-del-este`     | Club del Este     | Cards         |
| `anda`              | Anda              | Cards         |
| `andaPeya`          | Anda Peya         | Cards         |
| `sodexo`            | Sodexo            | Cards         |
| `sistarbanc`        | Sistarbanc        | Bank Transfer |
| `banred`            | Banred            | Bank Transfer |
| `infinia`           | Infinia           | Bank Transfer |
| `prometeo`          | Prometeo          | Bank Transfer |
| `rendix`            | Rendix            | PIX           |
| `pagbrasil`         | PagBrasil         | PIX           |
| `abitab`            | Abitab            | Cash          |
| `redpagos`          | Redpagos          | Cash          |
| `paigo`             | Paigo             | BNPL          |
| `cash`              | Cash              | BNPL          |
| `pronto`            | Pronto            | BNPL          |

***

## Common Merchant Configuration Fields

Most processors require some combination of these fields:

| Field                          | Name                        | Description                                    | Required         |
| ------------------------------ | --------------------------- | ---------------------------------------------- | ---------------- |
| `MerchantIdentificationNumber` | Identificador de comercio   | Assigned by your processor/acquirer            | Usually required |
| `TerminalNumber`               | Número de terminal          | Assigned by your processor/acquirer            | Some processors  |
| `Rut`                          | RUT                         | Registro Único Tributario (Tax ID)             | Optional         |
| `MerchantCategoryCode`         | MCC                         | Merchant Category Code                         | Optional         |
| `StatementDescriptor`          | Descriptor                  | Name on card statement                         | Optional         |
| `CheckoutInstallments`         | Cuotas soportadas           | Supported installments (express checkout only) | Optional         |
| `Banks`                        | Bancos disponibles          | Available banks (Sistarbanc)                   | Sistarbanc only  |
| `CrossBankTransfers`           | Transferencias entre bancos | Allow cross-bank transfers (Infinia)           | Infinia only     |

***

## 3D Secure Support

The following payment methods support 3D Secure authentication:

| Payment Method | 3DS Providers                         |
| -------------- | ------------------------------------- |
| VISA           | Cybersource OCA, Cybersource Totalnet |
| MASTERCARD     | Cybersource OCA, Cybersource Totalnet |
| OCA            | Cybersource OCA                       |

**3DS Provider Configuration:**

| Provider             | Code                   | Required Fields |
| -------------------- | ---------------------- | --------------- |
| Cybersource OCA      | `cybersource-oca`      | `merchantId`    |
| Cybersource Totalnet | `cybersource-totalnet` | None            |

***

## API Endpoint

Retrieve the complete list of available payment methods:

```bash
curl -X GET "https://api.plexo.com.uy/v1/payment-methods" \
  -H "Content-Type: application/json"
```

**Response:** Returns detailed information about all payment methods including:

* Payment method ID, name, and type
* Card validation settings (BIN patterns, card length, CVV requirements)
* Supported currencies
* Available processors with their configuration requirements
* Required cardholder fields per processor
* 3DS provider information (where applicable)
* Associated banks (for bank transfers)

***

## Related Resources

* [API Endpoints](/rest-api/api-reference/api-reference.md)
* [Merchant Management Guide](/rest-api/merchant-configuration/merchant-management.md)
* [3DS Authentication Guide](/rest-api/payments/3ds-integration.md)
* [Test Cards Reference](/rest-api/reference/test-cards.md)


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