How to Accept SafetyPay Payments

This guide shows you how to accept payments using SafetyPay, an alternative payment network that operates across Latin America. SafetyPay supports two payment types: Cash (safetypayCash) for payments at physical locations, and Transfer (safetypayTransfer) for online bank transfers.

When to Use SafetyPay

SafetyPay is ideal for:

Customers in regions without OXXO coverage.
Expanding cash payment options beyond convenience stores.
Customers who prefer to pay via online bank transfer without a card.

Step 1: Create a SafetyPay Payment Request

SafetyPay requires an apm_config object with channel and bank_ids to specify the payment network and collection point.

SafetyPay Cash

Use type: "safetypayCash" and channel: "WP" for cash payments at physical locations.

{
  "operation_type": "payment",
  "amount": "150.00",
  "currency": "MXN",
  "customer": {
    "name": "John Doe",
    "email": "john.doe@email.com"
  },
  "payment_method": {
    "type": "safetypayCash",
    "apm_config": {
      "country": "Mexico",
      "channel": "WP",
      "bank_ids": [
        { "id": "8178" }
      ]
    }
  },
  "client_reference": "ORD-001",
  "return_url": "https://yoursite.com/return"
}

SafetyPay Transfer

Use type: "safetypayTransfer" and channel: "OL" for online bank transfer payments.

{
  "operation_type": "payment",
  "amount": "150.00",
  "currency": "MXN",
  "customer": {
    "name": "John Doe",
    "email": "john.doe@email.com"
  },
  "payment_method": {
    "type": "safetypayTransfer",
    "apm_config": {
      "country": "Mexico",
      "channel": "OL",
      "bank_ids": [
        { "id": "1020" }
      ]
    }
  },
  "client_reference": "ORD-001",
  "return_url": "https://yoursite.com/return"
}

Step 2: Send the Payment Request

Send a POST request to the Process Transaction endpoint to initiate the payment:

curl -X POST https://stage.tonder.io/api/v1/process/ \
  -H "Authorization: Token YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ ... }'

Step 3: Handle the Response

Both Cash and Transfer return a Pending status with a redirect URL where the customer completes the payment.

SafetyPay Cash response

{
  "id": "ce2c0f55-763b-4da9-9ca4-36b66960f80d",
  "operation_type": "payment",
  "status": "Pending",
  "amount": 150.0,
  "currency": "MXN",
  "client_reference": "ORD-001",
  "metadata": {},
  "provider": "tonder",
  "created_at": "2026-06-24T23:27:30.746969Z",
  "status_code": 201,
  "next_action": {
    "redirect_to_url": {
      "url": "https://sandbox-gateway.safetypay.com/Express4/Checkout/index?TokenID=a09a7953-f62a-40da-a0b5-7be671b2fabb&CountryID=MEX&ChannelID=CASH",
      "verify_transaction_status_url": "/transactions/ce2c0f55-763b-4da9-9ca4-36b66960f80d/"
    }
  }
}

SafetyPay Transfer response

{
  "id": "1c93f512-c6c7-42cb-a280-fea1bdab53ee",
  "operation_type": "payment",
  "status": "Pending",
  "amount": 150.0,
  "currency": "MXN",
  "client_reference": "ORD-001",
  "metadata": {},
  "provider": "tonder",
  "created_at": "2026-06-24T23:27:09.232913Z",
  "status_code": 201,
  "next_action": {
    "redirect_to_url": {
      "url": "https://sandbox-gateway.safetypay.com/Express4/Checkout/index?TokenID=f42dc286-14f7-448b-b32f-0016ffbff350&CountryID=MEX&ChannelID=ONLINE",
      "verify_transaction_status_url": "/transactions/1c93f512-c6c7-42cb-a280-fea1bdab53ee/"
    }
  }
}

Redirect the customer to the url inside next_action.redirect_to_url to complete the payment on the SafetyPay gateway. Use verify_transaction_status_url to poll the transaction status.

Step 4: Track Payment Status

SafetyPay payments follow this status flow:

Pending - Waiting for the customer to complete payment at the SafetyPay gateway.
Success - Payment confirmed.

Set up webhooks to receive real-time notifications, or poll the status endpoint:

curl -X GET https://stage.tonder.io/api/v1/transactions/{id}/ \
  -H "Authorization: Token YOUR_API_KEY"

Available Bank IDs - Mexico

Cash only (channel: “WP”)

Bank ID	Collection Points
8178	Bodega Aurrera, Circle K, OpenPay, Super Farmacia Guadalajara, 7-Eleven, Farmacias de Ahorro, Sam’s Club, Walmart, Extra, Waldo’s, GestoPago, Kiosko, Pago Rápido
8419	Calimax, Super Farmacia Santa Maria, Farmacia la Más Barata, Roma, PayCash, Soriana

Cash + Online (channel: “WP” or “OL”)

Bank ID	Bank
8186	Banco Azteca
8395	Santander
1020	BBVA Bancomer
1007	Scotiabank

Banks listed under Cash + Online support both channel: "WP" and channel: "OL".

Next Steps

Set up webhooks to receive notifications when SafetyPay payments are completed.
Learn about HTTP response codes to handle different API responses.
Explore OXXO cash payments as an alternative cash payment method.

Introduction

Direct Integration Guides

Webhooks

Reference Pages

Payment Methods

Resources

How to Accept SafetyPay Payments

When to Use SafetyPay

Step 1: Create a SafetyPay Payment Request

SafetyPay Cash

SafetyPay Transfer

Step 2: Send the Payment Request

Step 3: Handle the Response

SafetyPay Cash response

SafetyPay Transfer response

Step 4: Track Payment Status

Available Bank IDs - Mexico

Cash only (channel: “WP”)

Cash + Online (channel: “WP” or “OL”)

Next Steps

​When to Use SafetyPay

​Step 1: Create a SafetyPay Payment Request

​SafetyPay Cash

​SafetyPay Transfer

​Step 2: Send the Payment Request

​Step 3: Handle the Response

​SafetyPay Cash response

​SafetyPay Transfer response

​Step 4: Track Payment Status

​Available Bank IDs - Mexico

​Cash only (channel: “WP”)

​Cash + Online (channel: “WP” or “OL”)

​Next Steps

When to Use SafetyPay

Step 1: Create a SafetyPay Payment Request

SafetyPay Cash

SafetyPay Transfer

Step 2: Send the Payment Request

Step 3: Handle the Response

SafetyPay Cash response

SafetyPay Transfer response

Step 4: Track Payment Status

Available Bank IDs - Mexico

Cash only (channel: “WP”)

Cash + Online (channel: “WP” or “OL”)

Next Steps