With Cobre, collect Bre-B payments.
Now, Cobre is taking the payment revolution from person-to-person… to company-to-everyone.
With Cobre, you can tap into the benefits of Bre-B and get paid—no matter which bank your customers use.
What is Bre-B?
• Uses unique identifiers (keys) instead of account numbers to route payments to the correct recipient and account.
• Designed to facilitate both person-to-person (P2P) and person-to-merchant (P2M) payments seamlessly.
How does Cobre help you enhance your operations through Bre-B?
Real-time collections
Bre-B allows anyone to pay using the app or digital wallet they already have.
Thanks to interoperable keys, you receive the funds instantly—with full traceability.
What does your business gain?
- Payments from regions with limited banking access.
- Truly frictionless financial inclusion.
- Greater commercial reach without changing your processes.
Instant Payments — No Friction,
No Time Restrictions
With Cobre, pay anyone in Colombia, no matter where they are or which financial institution they use.
Use your partners’ or suppliers’ keys–like phone number, ID, or email–and send payments instantly with Cobre.
What does this solve?
- Payments to recipients without a bank account.
- Real-time settlements with no cut-off times or delays.
- Fewer support requests due to failed or delayed payments.
Reports that used to take days? Now, they’re automatic
Cobre turns every transaction into actionable information for your business.
Every payment received via Bre-B is recorded with full traceability, ready to generate reports and export them on demand.
What does this solve?
- Real-time, automated reporting
- Export-ready data for accounting or audits
- Consistent data with no rework or manual errors
Where Bre-B Meets Business
Fintechs, tech companies & SaaS
Upload a file or automate local mass payouts in seconds—no matter the recipient’s financial institution.
Insurers, cooperatives &
welfare organizations
Send instant payments to beneficiaries anywhere in the country, even if they don’t have a traditional bank account. Bre-B keys like ID or phone are all you need.
Logistics, marketplaces &
mobility platforms
Settle with drivers or partners daily or on-demand—fast, smooth, and trackable.
Merchants with in-person sales
Get paid via interoperable keys —no account numbers, no delays, and full visibility of incoming funds in seconds.
They pay the way they always have. You get paid the way you always wanted.
And you don’t need to change how you operate to start collecting or disbursing instantly.
Paso 1:
Connect your company to Cobre via our Portal or API
Paso 2:
Register your Bre-B key (or your customer’s)
Paso 3:
Start collecting and sending payments in real time—any day, any time
Paso 4:
Download and reconcile your reports on demand.
Frequently Asked Questions (FAQs)
What is a Bre-B key and how do I use it?
It’s an identifier—like your phone number, ID, or email—that replaces the account number to send or receive money. With Cobre, you can use Bre-B keys to pay or collect seamlessly and in seconds, no matter the bank or wallet on the other end.
Are there transaction limits?
Immediate transfers have a limit of approximately COP $11 million per transaction. You can make multiple transfers per day, but each one must stay within that limit, as defined by the Banco de la República.
Does this replace ACH?
Not exactly. Bre-B is a more modern, faster, and 24/7 available alternative—ideal for immediate payments. ACH is still useful for larger or scheduled transactions, but Bre-B is designed to make everyday payments more efficient.
Can I collect payments too, or just send them?
It works both ways. You can use Cobre to send instant payments and also receive money from any wallet or bank, thanks to interoperable Bre-B keys or QR codes. Everything settles in real time with full traceability.
Do I need a tech team to integrate it, or can I use the Portal?
You can use Bre-B directly from the portal without any technical development. If you prefer to automate your payments and collections, you can also integrate via API. Both options are available depending on your company’s level of sophistication.