**Last updated**: 06 November 2025 | [**Change log**](/products/apms/changelog/)

# SafetyPay

SafetyPay is a non-card payment method using the large bank network in Latin America that enables online cash payments, bank transfers and cross-border transactions for a global market of customers.

Note
Make yourself familiar with our [API principles](/products/reference/api-principles) to ensure a resilient integration.

details
summary
Product overview
### Feature summary

| Payment type | Country | Acceptance currency | Recurring | Reversals | Partial reversals |
|  --- | --- | --- | --- | --- | --- |
| Bank Transfer | Brazil, Mexico, Peru | USD, EUR* | ❌ | ❌ | ❌ |


SafetyPay displays the corresponding local currency amount to your customer. If the authorization currency (USD or EUR) and the local currency are different, SafetyPay applies an FX (Foreign Exchange) margin to this currency conversion.

- Minimum Transaction Value: 1.00 USD
- Maximum Transaction Value: 5.000 USD or EUR equivalent


## Get started

Get started using our [API reference](/products/apms/openapi) and set your headers.

## Request

`POST` `https://try.access.worldpay.com/apmPayments`

### Example request

### Parameters

## Response

#### Successful request response

* an HTTP code 201
* a `paymentId` which is unique to the payment - we recommend storing the "id", as you can use it to manage the payment later
* a url to redirect your customer to the APM provider to complete the payment
* a link to query the payment status
* an object which will give flow information such as `method` (e.g. `safetypay`) and type (`direct`)
* a `commandId` generated by us identifying a single merchant interaction (e.g. `cmdYNdIHBPJwbkjLiykzTx0`)


### Example response

Successful
{
  "paymentInstrument": {
    "method": "safetypay",
    "type": "direct"
  },
  "paymentId": "eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDZM8QaH19DiFbmMAchPSTzojxnTb6gzLpYifu+gD3nPAaFT9PiiV:KsP+z2Cdr9oxuSfqYOtdVF0OwjHRCY6fWf5XZUPFYfD4fs2JzaCZKV3L7DQm7JfXl6rjXA0ubX6hJpY5kUX4Djm9+PFFKUS69z2nX5zwzYPSSVDUYtLDOZ6R0m0fuRrvkt3IoyOFqIWhKM2Ks:rlczHJ2DGe1:xPRqjBWEQYSfjhGO0ig5hWkDRl9fGV4F+Ts5DIzFBZXwnIUMyUbZMpJ0fOD9XAPga+EJnSR3UaE8kYYgR1TxL5XUxKsWCP0oxXTQ26dg1mH8uA==",
  "lastEvent": "pending",
  "_links": {
    "self": {
      "href": "https://try-access.worldpay.com/apmPayments/eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDZM8QaH19DiFbmMAchPSTzojxnTb6gzLpYifu+gD3nPAaFT9PiiV:KsP+z2Cdr9oxuSfqYOtdVF0OwjHRCY6fWf5XZUPFYfD4fs2JzaCZKV3L7DQm7JfXl6rjXA0ubX6hJpY5kUX4Djm9+PFFKUS69z2nX5zwzYPSSVDUYtLDOZ6R0m0fuRrvkt3IoyOFqIWhKM2Ks:rlczHJ2DGe1:xPRqjBWEQYSfjhGO0ig5hWkDRl9fGV4F+Ts5DIzFBZXwnIUMyUbZMpJ0fOD9XAPga+EJnSR3UaE8kYYgR1TxL5XUxKsWCP0oxXTQ26dg1mH8uA=="
    }
  },
  "_actions": {},
  "redirect": "http://secure-test.worldpay.com/redirect?tokenId=62a8645c-f481-4880-9ed8-e80d67153ae2",
  "commandId": "cmdmZ4I3ZW19OhrjDrGs7vpG0"
}
Error response
{
  "errorName": "bodyDoesNotMatchSchema",
  "message": "The json body provided does not match the expected schema",
  "validationErrors": [
    {
      "errorName": "fieldHasInvalidValue",
      "message": "Field is mandatory",
      "jsonPath": "$.instruction.value.amount"
    }
  ]
}
#### Errors

Check out our API reference for the full [error code schema](/products/apms/openapi/other/payment#other/payment/response&c=400).

**Next steps**

[Manage your SafetyPay payment](/products/apms/manage/)