Transfiya

Colombia’s real-time mobile payment system enabling instant transfers between banks and fintechs

Overview

Transfiya is a real-time digital payment service developed by ACH Colombia that allows users to send and receive money instantly using only a mobile phone number. It simplifies peer-to-peer payments by connecting participating banks and fintechs through a unified national infrastructure. Transfiya is part of Colombia’s broader shift toward interoperable instant payments, supporting faster and more inclusive financial services for consumers and businesses

Key Services / Solutions

Transfiya enables instant transfers between bank accounts using a registered mobile number, eliminating the need for complex account details Users can send money through mobile banking apps or participating fintech platforms The service operates 24/7 and supports low-value transactions, making it ideal for daily payments, bill sharing, and small business transfers Financial institutions benefit from the standardized API integration managed by ACH Colombia, ensuring speed, reliability, and compliance

Supported Payment Methods

Instant account-to-account transfers via linked mobile numbers

Integration through participating banks and digital wallets

Real-time payment confirmations and 24/7 service availability

Target Markets / Regions

Transfiya operates across Colombia, connecting major banks, digital wallets, and payment service providers It is widely adopted for peer-to-peer payments, small business transactions, and emerging eCommerce use cases The platform supports Colombia’s national strategy for digital financial inclusion and instant payment infrastructure modernization

Strengths / Differentiators

Instant and secure transfers using mobile phone numbers

Nationwide interoperability between banks and fintechs

24/7 transaction availability with real-time confirmation

Strong governance and infrastructure by ACH Colombia

Supports financial inclusion and digital payment growth across Colombia

Want to know more about Transfiya?
Contact Bizz2Pay today to discuss your requirements or get introduced to the right Transfiya team member or Payment Provider accepting Transfiya