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Cobranto

Your Technology Partner in Payments

Supports in this guide: Payments

Provider website: cobranto.com

What you need to do for start processing transactions (brief summary)

  1. Choose account type
  2. Get your credentials (from Cobranto)
  3. Connect in Dashboard
  4. Send an API request

Choose account type

Cobranto can be connected in different ways (depending on your needs):

  • If you do P2P payments (the customer receives payment details and makes a transfer) -> choose Provider account

If you are not sure which one to use, confirm with your Corefy account manager.

Prerequisites: get from Cobranto

Get the following values for your Cobranto project/account:

  • Merchant ID -> Corefy field key -> example: mrc_7f3a9c21b4e8 -> identifies your merchant account and is sent with every request to Cobranto -> where to find: Cobranto backoffice / issued by Cobranto manager
  • Secret key -> Corefy field secret -> example: sk_4d8e1f2a6b9c3e7d5a0f8b2c6e1d9a4f -> used to sign requests to Cobranto and to verify the signature of incoming callbacks -> where to find: Cobranto backoffice / issued by Cobranto manager
  • API URL (optional) -> Corefy field api_url -> example: https://gateway.cobranto.com -> base URL of the Cobranto API. If left empty, https://gateway.cobranto.com is used -> where to find: Cobranto backoffice / issued by Cobranto manager
Payments processing (connect Provider account, create payment-invoice)

Connect Provider account in Corefy Dashboard

Step 1 - Open connection form

Open Cobranto in the provider directory and press Connect at Cobranto Provider Overview page in the New connection section. Choose Provider account.

Step 2 - Fill in fields and select settings

  • Merchant ID -> key
  • Secret key -> secret
  • API URL -> api_url (optional; leave empty to use https://gateway.cobranto.com)

Choose Currency and Features. You can set these parameters according to available currencies and features for your Cobranto account, but it is necessary to check details of the connection with your Corefy account manager.

Success

You have connected Cobranto Provider account!

First request to Corefy API (MIN)

What it does: creates a payment-invoice.

Payment - MIN

POST /api/payment-invoices 

{
  "data": {
    "type": "payment-invoice",
    "attributes": {
      "reference_id": "3b8f1c2e-7d4a-4e9b-a1c6-5f2d8e0b9a47",
      "service": "kaspi_bank_kzt_invoice",
      "currency": "KZT",
      "amount": 100
    }
  }
}

Payment - MAX

POST /api/payment-invoices 

{
  "data": {
    "type": "payment-invoice",
    "attributes": {
      "reference_id": "9e2a6d41-0c7b-4f3e-8b5a-d1c4f7e2a093",
      "service": "kaspi_bank_kzt_invoice",
      "currency": "KZT",
      "amount": 100,
      "customer": {
        "reference_id": "cus_5a1e9c3b",
        "name": "John Smith"
      }
    }
  }
}

In MAX, customer.reference_id is sent to Cobranto as the payer's ID in your system (if it is missing, Corefy uses the payment ID instead), and customer.name is sent as the payer's first and last name.

Extended request (MAX)

Why add extra fields (typical reasons):

  • Provide additional customer details for compliance/reconciliation
  • Positively influence conversion rate
  • Include optional fields required by your specific flow

Additional info

  1. Callback routing is handled automatically: Corefy sends the callback URL to Cobranto with every payment, so you don't need to set it up in the Cobranto backoffice. Callbacks are verified with your Secret key.

  2. Payments are processed as P2P transfers. After the payment is created, Cobranto returns payment details (a card number with the recipient name and bank, or a phone number with the bank), which are shown to the customer. The customer makes the transfer and confirms the payment. The final status comes from Cobranto callbacks or status checks.

FAQ / Troubleshooting

  • Invalid credentials / auth error -> verify the Merchant ID and Secret key, and that API URL (if set) points to the correct Cobranto environment
  • Currency or service is not supported -> confirm allowed currencies/features in your Cobranto account and in Corefy
  • Payment fails right after creation -> Cobranto did not return payment details for this payment (amount/currency not available at the moment); try again later or check with your Cobranto manager
  • Not sure which account type to use? -> ask your Corefy account manager

Question

Still looking for help connecting your Cobranto account? Please contact our support team!