Domestic Payments

Bre-B Keys for Business Disbursements in Colombia

Alberto Chejne
February 19, 2026
4 min de lectura
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Payroll disbursements to employees, or payments to suppliers or users, should not depend on the bank where they hold their account. Nor should it take days or require complete bank details for each transaction. However, for many companies in Colombia, this remains the operational reality.

Bre-B, Colombia’s instant payment infrastructure, completely changed the landscape through its payment keys, allowing funds to arrive in real time, 24 hours a day, 7 days a week, regardless of which bank the recipient uses.

Why does Bre-B simplify corporate disbursements?

Companies that make recurring payments face challenges that go beyond bank fees:

Challenges with traditional disbursements Operational impact Solution with Bre-B Keys
Reliance on complete bank details Costly and error-prone processes due to the need for manual updates in case of changes. Use of a single key for the recipient, which remains unchanged regardless of the financial institution where their account is held.
Waiting times in ACH cycles Processing windows that span one or more business days, delaying urgent payments such as advances or refunds. Funds transferred in seconds, ensuring immediate availability and 24/5 operation 265 days a year for businesses.
Non-scalable manual processes Increased transaction volume amplifies inefficiencies, increasing the operational burden and the risk of errors in the finance team. Seamless management of large payment volumes with full traceability thanks to the immediate mass-disperse infrastructure.

Learn more about fund disbursements via Bre-B in the functional documentation.

How can you manage fund disbursements using Bre-B Keys?

Through payment infrastructure platforms like Cobre, companies can process disbursements using Bre-B Keys from a unified balance in COP, with standardized reports and centralized monitoring. These two methods address different operational needs.

Single Disbursements:

This type of disbursement is for individual payments requiring immediate execution. Each payment is executed using the recipient’s key, confirmed in real time, and recorded with full traceability.

Examples of this operation include a refund to a customer, an advance payment to a supplier, or a one-time bonus.

Bulk disbursements:

For high volumes where efficiency is critical. Instead of processing hundreds of payments individually, a file containing the disbursement instructions is uploaded, and Cobre executes the entire operation.

Achieve frictionless bulk or individual disbursements with a single platform

Disbursing funds in Colombia doesn’t have to be slow, manual, or complicated.

Cobre connects you to the Bre-B rail so you can use the instant payment infrastructure with keys.

With this synergy, you can perform bulk and individual payouts, have full control over transactions in real time, and the flexibility to switch between Bre-B and Fast Pay depending on the needs of each transaction.

A single integration, multiple payment rails, and payments that arrive in seconds.

Does your company need to distribute funds in bulk and immediately? Learn how Cobre Payouts with Bre-B can transform your financial operations.

Escrito por:
Alberto Chejne
Co-Founder

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