Confirmar un payout por QR (Bolivia, Brasil)

curl --request POST \
  --url https://api.qbank.cl/platform/v1/payouts/qr/confirm \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "provider_reference": "QR-REF-889923",
  "amount": "700.00",
  "currency": "BOB",
  "description": "QR lunch payment",
  "idempotency_key": "qr-2026-07-07-a"
}
'

import requests

url = "https://api.qbank.cl/platform/v1/payouts/qr/confirm"

payload = {
    "provider_reference": "QR-REF-889923",
    "amount": "700.00",
    "currency": "BOB",
    "description": "QR lunch payment",
    "idempotency_key": "qr-2026-07-07-a"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    provider_reference: 'QR-REF-889923',
    amount: '700.00',
    currency: 'BOB',
    description: 'QR lunch payment',
    idempotency_key: 'qr-2026-07-07-a'
  })
};

fetch('https://api.qbank.cl/platform/v1/payouts/qr/confirm', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.qbank.cl/platform/v1/payouts/qr/confirm",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'provider_reference' => 'QR-REF-889923',
    'amount' => '700.00',
    'currency' => 'BOB',
    'description' => 'QR lunch payment',
    'idempotency_key' => 'qr-2026-07-07-a'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.qbank.cl/platform/v1/payouts/qr/confirm"

	payload := strings.NewReader("{\n  \"provider_reference\": \"QR-REF-889923\",\n  \"amount\": \"700.00\",\n  \"currency\": \"BOB\",\n  \"description\": \"QR lunch payment\",\n  \"idempotency_key\": \"qr-2026-07-07-a\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.qbank.cl/platform/v1/payouts/qr/confirm")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"provider_reference\": \"QR-REF-889923\",\n  \"amount\": \"700.00\",\n  \"currency\": \"BOB\",\n  \"description\": \"QR lunch payment\",\n  \"idempotency_key\": \"qr-2026-07-07-a\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.qbank.cl/platform/v1/payouts/qr/confirm")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"provider_reference\": \"QR-REF-889923\",\n  \"amount\": \"700.00\",\n  \"currency\": \"BOB\",\n  \"description\": \"QR lunch payment\",\n  \"idempotency_key\": \"qr-2026-07-07-a\"\n}"

response = http.request(request)
puts response.read_body

{
  "payout_id": "8e2a1b0c-9d8e-7f60-5a4b-3c2d1e0f9a8b",
  "account_id": "9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d",
  "idempotency_key": "qr-2026-07-07-a",
  "country": "BO",
  "currency": "BOB",
  "method": "qr",
  "local_amount": "700.00",
  "fx_rate": "6.91",
  "usdt_amount": "101.302460",
  "fee": "0.300000",
  "total_debit": "101.602460",
  "settlement_asset": "USDT",
  "settlement_amount": "101.602460",
  "settlement_rate": "1",
  "beneficiary": {
    "qr_reference": "QR-REF-889923"
  },
  "description": "QR lunch payment",
  "status": "completed",
  "status_code": "",
  "status_message": "",
  "bank_reference": "00761123456",
  "created_at": "2026-07-07T12:00:00Z",
  "updated_at": "2026-07-07T12:00:01Z",
  "idempotency_hit": true
}

{
  "payout_id": "8e2a1b0c-9d8e-7f60-5a4b-3c2d1e0f9a8b",
  "account_id": "9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d",
  "idempotency_key": "qr-2026-07-07-a",
  "country": "BO",
  "currency": "BOB",
  "method": "qr",
  "local_amount": "700.00",
  "fx_rate": "6.91",
  "usdt_amount": "101.302460",
  "fee": "0.300000",
  "total_debit": "101.602460",
  "settlement_asset": "USDT",
  "settlement_amount": "101.602460",
  "settlement_rate": "1",
  "beneficiary": {
    "qr_reference": "QR-REF-889923"
  },
  "description": "QR lunch payment",
  "status": "completed",
  "status_code": "",
  "status_message": "",
  "bank_reference": "00761123456",
  "created_at": "2026-07-07T12:00:00Z",
  "updated_at": "2026-07-07T12:00:01Z"
}

{
  "error": "invalid_request",
  "message": "provider_reference (from the scan) is required"
}

{
  "error": "unauthorized",
  "message": "invalid or missing credentials"
}

{
  "error": "insufficient_funds",
  "message": "account balance is not enough for this operation"
}

{
  "error": "account_blocked",
  "message": "account is not active"
}

{
  "payout_id": "8e2a1b0c-9d8e-7f60-5a4b-3c2d1e0f9a8b",
  "account_id": "9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d",
  "idempotency_key": "qr-2026-07-07-a",
  "country": "BO",
  "currency": "BOB",
  "method": "qr",
  "local_amount": "700.00",
  "fx_rate": "6.91",
  "usdt_amount": "101.302460",
  "fee": "0.300000",
  "total_debit": "101.602460",
  "settlement_asset": "USDT",
  "settlement_amount": "101.602460",
  "settlement_rate": "1",
  "beneficiary": {
    "qr_reference": "QR-REF-889923"
  },
  "description": "QR lunch payment",
  "status": "failed",
  "status_code": "core_rejected",
  "status_message": "QR already paid",
  "bank_reference": "",
  "created_at": "2026-07-07T12:00:00Z",
  "updated_at": "2026-07-07T12:00:01Z"
}

Confirmar un payout por QR (Bolivia, Brasil)

Paso 2 del payout por QR (Bolivia y Brasil/PIX), cobrado exactamente igual que un payout normal: el monto local se convierte a la tasa de tu cuenta y se debita usdt_amount + comisión fija. El resultado es síncrono — la respuesta trae el estado final (completed, o failed con reembolso automático). Requiere una llave de idempotencia como toda operación que mueve dinero. En Bolivia la referencia escaneada es de un solo uso (un QR = un pago); en Brasil un QR PIX estático es reutilizable por diseño — págalo de nuevo con una llave distinta, y un intento fallido jamás inutiliza el QR. amount es siempre obligatorio; en Brasil, si el QR PIX trae monto fijo debe coincidir exacto — un mismatch responde 422 con el payout en status: failed y el reembolso ya aplicado (los QR de monto abierto pagan lo que envíes).

POST

payouts

confirm

curl --request POST \
  --url https://api.qbank.cl/platform/v1/payouts/qr/confirm \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "provider_reference": "QR-REF-889923",
  "amount": "700.00",
  "currency": "BOB",
  "description": "QR lunch payment",
  "idempotency_key": "qr-2026-07-07-a"
}
'

import requests

url = "https://api.qbank.cl/platform/v1/payouts/qr/confirm"

payload = {
    "provider_reference": "QR-REF-889923",
    "amount": "700.00",
    "currency": "BOB",
    "description": "QR lunch payment",
    "idempotency_key": "qr-2026-07-07-a"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    provider_reference: 'QR-REF-889923',
    amount: '700.00',
    currency: 'BOB',
    description: 'QR lunch payment',
    idempotency_key: 'qr-2026-07-07-a'
  })
};

fetch('https://api.qbank.cl/platform/v1/payouts/qr/confirm', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.qbank.cl/platform/v1/payouts/qr/confirm",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'provider_reference' => 'QR-REF-889923',
    'amount' => '700.00',
    'currency' => 'BOB',
    'description' => 'QR lunch payment',
    'idempotency_key' => 'qr-2026-07-07-a'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.qbank.cl/platform/v1/payouts/qr/confirm"

	payload := strings.NewReader("{\n  \"provider_reference\": \"QR-REF-889923\",\n  \"amount\": \"700.00\",\n  \"currency\": \"BOB\",\n  \"description\": \"QR lunch payment\",\n  \"idempotency_key\": \"qr-2026-07-07-a\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.qbank.cl/platform/v1/payouts/qr/confirm")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"provider_reference\": \"QR-REF-889923\",\n  \"amount\": \"700.00\",\n  \"currency\": \"BOB\",\n  \"description\": \"QR lunch payment\",\n  \"idempotency_key\": \"qr-2026-07-07-a\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.qbank.cl/platform/v1/payouts/qr/confirm")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"provider_reference\": \"QR-REF-889923\",\n  \"amount\": \"700.00\",\n  \"currency\": \"BOB\",\n  \"description\": \"QR lunch payment\",\n  \"idempotency_key\": \"qr-2026-07-07-a\"\n}"

response = http.request(request)
puts response.read_body

{
  "payout_id": "8e2a1b0c-9d8e-7f60-5a4b-3c2d1e0f9a8b",
  "account_id": "9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d",
  "idempotency_key": "qr-2026-07-07-a",
  "country": "BO",
  "currency": "BOB",
  "method": "qr",
  "local_amount": "700.00",
  "fx_rate": "6.91",
  "usdt_amount": "101.302460",
  "fee": "0.300000",
  "total_debit": "101.602460",
  "settlement_asset": "USDT",
  "settlement_amount": "101.602460",
  "settlement_rate": "1",
  "beneficiary": {
    "qr_reference": "QR-REF-889923"
  },
  "description": "QR lunch payment",
  "status": "completed",
  "status_code": "",
  "status_message": "",
  "bank_reference": "00761123456",
  "created_at": "2026-07-07T12:00:00Z",
  "updated_at": "2026-07-07T12:00:01Z",
  "idempotency_hit": true
}

{
  "payout_id": "8e2a1b0c-9d8e-7f60-5a4b-3c2d1e0f9a8b",
  "account_id": "9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d",
  "idempotency_key": "qr-2026-07-07-a",
  "country": "BO",
  "currency": "BOB",
  "method": "qr",
  "local_amount": "700.00",
  "fx_rate": "6.91",
  "usdt_amount": "101.302460",
  "fee": "0.300000",
  "total_debit": "101.602460",
  "settlement_asset": "USDT",
  "settlement_amount": "101.602460",
  "settlement_rate": "1",
  "beneficiary": {
    "qr_reference": "QR-REF-889923"
  },
  "description": "QR lunch payment",
  "status": "completed",
  "status_code": "",
  "status_message": "",
  "bank_reference": "00761123456",
  "created_at": "2026-07-07T12:00:00Z",
  "updated_at": "2026-07-07T12:00:01Z"
}

{
  "error": "invalid_request",
  "message": "provider_reference (from the scan) is required"
}

{
  "error": "unauthorized",
  "message": "invalid or missing credentials"
}

{
  "error": "insufficient_funds",
  "message": "account balance is not enough for this operation"
}

{
  "error": "account_blocked",
  "message": "account is not active"
}

{
  "payout_id": "8e2a1b0c-9d8e-7f60-5a4b-3c2d1e0f9a8b",
  "account_id": "9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d",
  "idempotency_key": "qr-2026-07-07-a",
  "country": "BO",
  "currency": "BOB",
  "method": "qr",
  "local_amount": "700.00",
  "fx_rate": "6.91",
  "usdt_amount": "101.302460",
  "fee": "0.300000",
  "total_debit": "101.602460",
  "settlement_asset": "USDT",
  "settlement_amount": "101.602460",
  "settlement_rate": "1",
  "beneficiary": {
    "qr_reference": "QR-REF-889923"
  },
  "description": "QR lunch payment",
  "status": "failed",
  "status_code": "core_rejected",
  "status_message": "QR already paid",
  "bank_reference": "",
  "created_at": "2026-07-07T12:00:00Z",
  "updated_at": "2026-07-07T12:00:01Z"
}

Autorizaciones

Authorization

string

header

requerido

JWT de sesión (de register/login) o llave de API (pk_...). X-API-Key: <token> se acepta como header alternativo.

Encabezados

Idempotency-Key

string

Alternativa al campo idempotency_key del body.

Cuerpo

application/json

provider_reference

string

requerido

Del paso de escaneo.

amount

string

requerido

Monto local como string decimal positivo.

country

enum<string>

predeterminado:BO

Opciones disponibles:

BO,

BR

currency

enum<string>

predeterminado:BOB

Opciones disponibles:

BOB,

USD,

BRL

description

string

settlement_asset

enum<string>

Saldo virtual a debitar para esta operación. Omítelo para usar el asset de settlement predeterminado de tu cuenta.

Opciones disponibles:

USD,

USDT,

USDC,

BTC,

GOLD,

SILVER,

PLATINUM,

BOB,

MXN,

ARS

idempotency_key

string

Respuesta

Respuesta idempotente de un payout por QR existente.

payout_id

string<uuid>

account_id

string<uuid>

idempotency_key

string

country

string

currency

string

method

string

local_amount

string

fx_rate

string

La tasa de tu cuenta al momento de la ejecución (unidades locales por 1 USDT).

rate_source

enum<string>

Origen de la tasa ejecutada. lot, blend o spot; se omite en filas históricas sin atribución.

Opciones disponibles:

lot,

blend,

spot

usdt_amount

string

fee

string

total_debit

string

settlement_asset

enum<string>

Saldo virtual desde el que realmente se debitó la operación.

Opciones disponibles:

USD,

USDT,

USDC,

BTC,

GOLD,

SILVER,

PLATINUM

settlement_amount

string

Monto exacto debitado del saldo del asset de settlement (en unidades de ese asset). Es igual a total_debit cuando el asset es USDT. Si el payout falla se reembolsa este monto exacto — nunca se re-cotiza.

settlement_rate

string

Precio USD efectivo por unidad del asset de settlement usado para convertir el total en USDT ("1" para USDT/USDC).

beneficiary

object

description

string

status

enum<string>

pending con compliance_pending: true significa que el screening técnico del beneficiario espera antes de cualquier débito o despacho al core. Después del screening, pending también puede usar compliance_dispatch_pending, compliance_dispatching o core_unreachable mientras el débito permanece retenido.

Opciones disponibles:

pending,

processing,

completed,

failed

status_code

string

Detalle del estado normalizado. compliance_pending es pre-débito; compliance_dispatch_pending, compliance_dispatching y core_unreachable son códigos durables de transición después del screening.

status_message

string

funds_debited

boolean

Falso antes de debitar un payout pendiente de screening. Verdadero después de que el screening pasa y existe el débito/hold, incluso durante las transiciones de despacho.

predebit_failure

boolean

True cuando el screening o un control duro terminó el payout antes de cualquier débito. Es distinto de un payout fallido cuyo débito se reembolsó después.

compliance_pending

boolean

Verdadero solo mientras el screening técnico espera antes de cualquier débito o despacho al core; pasa a falso cuando se acepta el resultado process.

bank_reference

string

Referencia de la transaccion en el banco/rail (ej. el id de transferencia del banco, con el que el beneficiario cruza el pago con su banco). En US ACH/wire/SWIFT es la referencia CBF que vuelve al crear; en el resto de corredores queda vacia hasta que el rail la reporta.

uetr

string

Identificador UETR/SWIFT gpi reportado por el banco después de la ejecución; vacío hasta estar disponible.

imad

string

Identificador doméstico wire/ACH reportado por el banco después de la ejecución; vacío hasta estar disponible.

created_at

string<date-time>

updated_at

string<date-time>

idempotency_hit

boolean

Presente (true) cuando la respuesta es una repetición idempotente.

receipt_url

string<uri>

Presente solo cuando existe un comprobante, normalmente después del débito y del estado final. Se omite mientras el payout espera screening técnico antes del débito.