Servientrega is one of the largest logistics and courier companies in Colombia and the region, with operations in Colombia, Ecuador, Panama, and the United States. Each year, its network handles a significant portion of the 51 to 61 million cash-on-delivery orders generated in the country—a model where the exact moment of delivery defines the efficiency of the entire logistics operation. For a company of this scale, any friction in the final payment translates into large-scale reprocessing, administrative costs, and lost operational time.

Why did traditional cash-on-delivery limit Servientrega's operational efficiency?

Cash-on-delivery is, by nature, the most fragile point of the last mile. It depends on the recipient having cash on hand, the courier safely carrying and managing that money, and the operation manually reconciling each delivery against the central accounting system. When any of these elements fail, the delivery is not completed on the first attempt, and the order returns to the operational cycle, creating reprocessing, temporary storage needs, and an administrative burden that grows alongside volume.

For an operation the size of Servientrega, solving this friction with a single payment alternative was not viable: the recipient needed to be able to pay with the wallet or bank they already use, without the company losing visibility or control over collections. The challenge was not simply to digitize the payment, but to make it interoperable, instant, and traceable, without altering the workflow already followed by thousands of couriers in the field.

The specific limitations of the previous model included:

• Dependence on cash availability at the point of delivery
• Reprocessing and reattempts due to incomplete or failed payments
• Manual and fragmented reconciliation across multiple payment methods
• Low real-time visibility of collection status in the field
• Friction that reduces the first-attempt delivery success rate

How does the Bre-B integration work with Servientrega's last-mile operation?

Cobre integrated Bre-B, Colombia's interoperable instant payment network, directly into Servientrega's delivery flow via API, without modifying the process couriers already follow in the field. At the moment of delivery, a QR code is generated from the Cobre platform; the recipient scans it using their bank app, Nequi, Daviplata, or any wallet enabled with Bre-B, and the payment is confirmed in seconds.

Cobre acts as an orchestration layer between Servientrega and the financial ecosystem: it receives payment confirmation, automatically reconciles it against the corresponding order, and reflects it in real-time on a centralized dashboard. This solves the root problem because it does not replace any other payment method the recipient already prefers; it simply adds an instant digital alternative that reduces cash dependency without additional operational friction.

Features enabled by the integration:

• Interoperable QR code generation at the exact moment of delivery
• Payment confirmation in seconds from any bank or wallet enabled with Bre-B
• Automatic reconciliation and full traceability of every transaction
• Real-time dashboards with 24/7 full visibility of collection status

"Bre-B through Cobre allowed us to bring digital payment to the exact moment of delivery. Today, our Solution Experts manage to close more deliveries on the first attempt, with immediate payment confirmation and real-time traceability. This directly impacts our logistics efficiency and customer experience, optimizing times and improving the effective delivery rate."
— Luz Mary Guerrero Hernández, Board Member of Servientrega

What are the benefits of Servientrega's operating model with Cobre's infrastructure?

• More successful first-attempt deliveries. By eliminating exclusive reliance on cash, Servientrega Solution Experts close more deliveries on the first attempt, with immediate payment confirmation and without needing the recipient to have exact change.
• Fewer reprocesses and lower operating costs. Every delivery completed on the first attempt avoids reprocesses, temporary storage, and the administrative management of undelivered orders—savings that multiply across an operation handling millions of packages per month.
• Real-time visibility and control. Cobre's dashboards provide Servientrega with complete traceability for every collection, without relying on manual end-of-day reconciliations.
• Frictionless scalability for high-volume operations. Cobre's infrastructure is designed to absorb transaction spikes without Servientrega needing to invest in additional infrastructure, which is key for an operation with marked seasonality.

Why did Servientrega choose Cobre for its payment infrastructure?

• Technical robustness:payment orchestration infrastructure with automatic reconciliation and traceability for every transaction.
• Local expertise: deep knowledge of Colombian payment rails (Bre-B, PSE, ACH) and the dynamics of field logistics operations.
• Integration speed: API-based implementation without disrupting existing courier workflows.
• Enterprise support: dedicated support for high-volume operations and national coverage.
• Scalability: capacity to support sustained transaction growth without additional infrastructure investment.

We are proud that Servientrega has found in our infrastructure the solution to modernize one of the most complex logistics processes in Colombia. This case validates that Bre-B's interoperability is no longer just an advantage for consumers, but a critical operational tool for companies that move millions of packages every month.
— José Vicente Gedeón, CEO and co-founder of Cobre

Frequently asked questions about cash-on-delivery with Bre-B

What is digital cash-on-delivery with Bre-B?

It is a way to complete cash-on-delivery payments without relying on physical cash: the recipient scans a QR code at the time of delivery and pays from their bank or digital wallet, without the company having to replace any other available payment method.

How does Bre-B work as an instant payment network?

Bre-B is Colombia's interoperable instant payment network: it connects banks and digital wallets so that anyone can pay or receive money in seconds, regardless of which institution holds their account.

What type of companies can implement this model?

Any company with last-mile operations or point-of-delivery collection, logistics, e-commerce, insurance, or home services can integrate this model to reduce their reliance on cash and streamline the reconciliation of their collections.

How is it technically integrated with existing operations?

Integration is performed via API and does not require modifying field team workflows. Cobre handles payment orchestration, reconciliation, and real-time data availability.

Does your company handle point-of-delivery payments?

Talk to the Cobre team and discover how to bring instant, interoperable payments to your last-mile operation.