About
Efecty is a Colombian cash network where people pay bills, online purchases and money transfers in cash at a counter. It is run by Efectivo Ltda., a Bogotá-based company founded in 1996. Its services include domestic and international transfers, bill and payment collection, mobile top-ups and the payout of government subsidies such as Renta Ciudadana. For e-commerce it launched Payty in 2019, a checkout gateway that lets a shop's customers pay in cash at Efecty points as well as by debit or credit card. As of 2024 Efecty had more than 9,000 service points across Colombia, which makes it an option for shoppers without a bank account.
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