Get paid on WhatsApp. Pay 1%, not 3.5%.
Create the order, send it over WhatsApp, and get instant confirmation.
Your customer pays from their banking app, like paying a utility bill. No POS, and no exposing their card.
1% + VAT
Cobrana fee
(min S/.5)
3.5%
traditional POS fee
Innovation Contest winners · Universidad de Lima Your customers pay from these apps
-
BCP -
BBVA -
Interbank -
Scotiabank -
Yape
How much you stop paying with Cobrana
You save per month
S/.2,500
S/.30,000 al año
Amounts include VAT. Cobrana: 1% per transaction (min S/.5). POS: ~3.5% reference rate.
Businesses that trust us
Getting paid with Cobrana is this simple
No POS, and the best fee on the market.
Create the order
Generate a payment order in our web platform in seconds.
Send via WhatsApp
Your customer automatically receives the order on WhatsApp.
Get paid instantly
Your customer pays from their favorite banking app via bill-pay.
We activate your business in 24 hours.
Our merchants save more than S/.1,000 every month on average
Built into WhatsApp
Your customers already message you on WhatsApp. Collect right there, without pulling them out of the chat.
Safer
Your customer pays from their banking app. They never expose their card or read it out over chat.
More efficient
Real-time confirmation. No more “I already sent the receipt” and no manual reconciliation.
Everything you need to collect and communicate
Collect via bill-pay, payment link and QR
Collect easily and cheaply without your customer exposing their card. Bill-pay from 1% + VAT. Payment link and QR at 3.5%.
Bulk collections with reminders
Charge hundreds of customers at once. Schedule a campaign and Cobrana sends automatic reminders over WhatsApp and email until you get paid.
Smart messaging
Automate your collection reminders over WhatsApp and email. Stop chasing payments manually.
Simple, transparent pricing
Basic
+ 1% + VAT per transaction (min S/.5)
For businesses that want to start collecting over WhatsApp with the lowest fee on the market.
- Payment orders from S/.5
- Settlement in 48 business hours
- Transactions & sales dashboard
Pro
+ 1% + VAT per transaction (min S/.5)
For businesses that bill recurrently and want to automate collections.
Everything in Basic, plus:
- No amount limit per transaction (over S/.5,000)
- Bulk collections with automated reminders
- Up to 5 users
Custom
For institutions and companies with specific needs.
- Custom collection & messaging solutions
- Direct sales & engineering support
- API access and webhooks to integrate Cobrana
We're Miguel and Gabriel, and with Cobrana we started a mission: to transform collections and payments in Peru. Simple, fast and automatic over WhatsApp.
To everyone with the entrepreneurial bug or a passion that drives them: don't wait for the perfect moment, just start.
Winners of the University of Lima Innovation Contest 
Frequently asked questions
How soon do I get the money?
We settle your sales within 48 business hours to the account you choose.
Does my customer need to install anything?
No. They pay from their bank's app, just like paying an electricity bill.
Which banks accept the payment?
BCP, BBVA, Interbank and Falabella, among others.
Does the 1% bill-pay fee have a minimum?
Yes. For bill-pay the fee is 1% + VAT per transaction, with a S/.5 + VAT minimum. If 1% of the sale is under S/.5, we charge S/.5; if it's higher, we charge just the 1%.
Do I need a tax ID or to be formal?
We work with formal businesses. On the demo we review your case and guide you through anything missing.
Can I use Cobrana if I already have a POS?
Of course. Many merchants use Cobrana to lower their fee and keep the POS as a backup.
Book a demo
Pick a time that works for you. Nothing else needed: on the call we'll show you how to get paid over WhatsApp with the lowest fee on the market.
Message us on WhatsApp
Message us on WhatsApp Or message us at +51 980 590 096