Yape & Plin - Peru

QR code payments

Your key to growth in Peru

Want to solidify your reach in Peru? Enable Yape and Plin and watch your conversion soar.

Two of the region's largest wallets, Yape and Plin control a combined 90% of the market share of digital wallet usage in Peruvian eCommerce, making it a key element in any growth strategy.

The highlights:

Real-time transfers via QR code

Mandatory interoperability creates a unified, near-universal network for instant transactions

Average of 6.2M transactions per day processed through Yape & Plin

75%+ approval rate expected (if all data requirements are satisfied)

Yape

Peru's most popular digital wallet

60% market share

Why enable Yape?

Massive user base
Super app model drives market penetration
Provides users with access to a broad ecosystem of financial & commercial services

Key info

Primary backer: Banco de Crédito del Perú (BCP)

Market position: Market-leading super-app with 17M+ users

Access point: Standalone mobile application

Core strengths:

Financial inclusion (accessible via DNI)
Diverse in-app services (loans, shopping)
Vast user base

Transaction limit: $500 (set by network)

Plin

Fast & cost-effective solution

30% market share

Why enable Plin?

Higher transaction limits
Trusted & secure infrastructure of partner banks
Highly efficient & secure solution for interbank payments

Key info

Primary backer: Consortium of major banks (BBVA, Interbank, Scotiabank, etc.)

Market position: Collaborative banking solution with 14M+ users

Access point: Integrated directly within partner banking apps

Core strengths:

Secure
Fee-free interbank transfers
Higher transaction limits

Transaction limit: $1500 (set by network)

Flow Overview

Transaction Flow

Customer: Payer needs a product/service
Shop: Start a transaction
Shop: Select Yape or Plin as a payment method
PayRetailers: Generate a QR code
Shop: Show or return to the landing page with the QR
Wallet: User takes a screenshot and uploads it to their banking app
Wallet: User confirms the payment and enters their security code
Partner: Notify partner
PayRetailers: Update transaction and notify PR
PayRetailers: Update transaction and notify the Shop
Customer: Update transaction and deliver product/service

User Flow

1. Select Wallets as the payment method

The user is presented with payment options:

Tarjeta (Card)
Wallet (Yape/Plin)

Purchase summary shows:

Item: Test XMB
Quantity: x1
Amount: S/ 1000,00 PEN
Total: S/ 1000,00 PEN

2. Select Yape/Plin as the payment option

Within the Wallet option, the user selects between:

YAPE
Plin

Payment method confirmed: Wallet

Option available:

Volver al comercio (Return to merchant)

3. Take a screenshot of the QR code

Customer Information:

Hola ¡Juan Pérez! (Hello Juan Pérez!)
Identificación: 48082308
Email: [email protected]

Payment Details:

Completa el pago de: Test 001
Tienda: Producto Test Shop ONE
Monto a pagar: 1,000.00 PEN
Vencimiento: 30 Abr 2025 23:05:14

QR de pago (Payment QR code displayed)

Instructions:

Abrí la aplicación de tu banco o billetera (Open your bank or wallet app)
Seleccioná la opción Código QR (Select the QR Code option)
Escaneá el código QR con la cámara de su teléfono (Scan the QR code with your phone camera)
Autorizá el pago (Authorize the payment)

Actions:

Descargar QR (Download QR)
Volver al comercio (Return to merchant)

Note: Si tenés dudas o inconvenientes comunicate con Overoption (If you have questions or issues, contact Overoption)

Privacy: Al usar nuestros servicios aceptás que algunos de tus datos sean tratados por PayRetailers de acuerdo a nuestra Política de Privacidad y Cookies.

4. Open your app and select 'pay with QR code'

Example: Interbank app

Pagar con QR (Pay with QR)

Description: Escanea cualquier QR y paga en los pos de tus tiendas favoritas. (Scan any QR and pay at the POS of your favorite stores.)

Login:

Ingresa tu contraseña (Enter your password)
Button: Ingresar (Log in)
Link: ¿Olvidaste tu contraseña? (Forgot your password?)

5. Upload the screenshot of the QR code to the app

Pago QR screen shows:

Merchant: PayRetailers*PayRetailers

Con mi tarjeta:

Débito Clásica
Option to: Cambiar (Change)

Ingresa el monto: (Enter the amount)

S/5.00

Notice: Para finalizar el pago, activa la opción de compras por internet y uso en el exterior. (To complete the payment, activate the option for online purchases and use abroad.)

Button: Siguiente (Next)

6. Complete the payment

Confirmación (Confirmation)

Estás a un paso de pagar con QR (You are one step away from paying with QR)

Confirma la información (Confirm the information)

MEDIO DE PAGO (Payment Method)

Débito Clásica
4213 55... ......6636

COMERCIO (Merchant)

PayRetailers*PayRetailers

MONEDA Y MONTO (Currency and Amount)

S/5.00

Button: Confirmar (Confirm)

Contact Information

Contact us:

Email: [email protected]