Guatemala
Learn more about currency, payment methods, processing times, and other essential details for operating in Guatemala with Localpayment. This guide provides a comprehensive overview of everything you need to know to integrate and optimize your payment processing in this market.
Country Overview
Essential information about Guatemala:
| Country Code (2 digits) | Country Code (3 digits) | Currency Code | Number of decimals |
|---|---|---|---|
| GT | GTM | GTQ | 2 |
Payins
Accept payments from your customers through these available channels:
Let customers pay directly from their bank app using instant transfers, QR codes, and other popular local methods.
Allow customers to pay in cash at thousands of physical locations.
Important
All processing times for payins are expressed in GMT. Please consider this time zone when reviewing processing availability and cutoff times.
APMs
| Payment Method Name | Payment Method Code | Currency | Min Amount | Max Amount | Payment Confirmation | Category | Working Hours (GMT) | Execution Notification Time | Logo |
|---|---|---|---|---|---|---|---|---|---|
| SoyFri QR | 1870 | GTQ | 1.00 | 10,000.00 | Asynchronous | Pull | 24 h | Real Time | https://cdn.localpayment.com/logos/Soyfri.png |
| Akisi Online Referenced Payments | 1811 | GTQ | 20.00 | 7,500 | Synchronous | Pull | 24 h | T+1 | - |
| Wallet Fri | 1880 | GTQ | 1.00 | 10,000.00 | Asynchronous | Pull | 24 h | Real Time | https://cdn.localpayment.com/logos/Soyfri.png |
Cash Payments
| Payment Method Name | Payment Method Code | Currency | Min Amount | Max Amount | Payment Confirmation | Category | Working Hours (GMT) | Execution Notification Time | Logo |
|---|---|---|---|---|---|---|---|---|---|
| Super 24 | 1808 | GTQ | 20.00 | 7,500.00 | Asynchronous | Push | 24 h | Real Time | - |
| AKISI Punto Fisico | 1809 | GTQ | 20.00 | 7,500.00 | Asynchronous | Push | 24 h | Real Time | - |
Payouts
Send funds efficiently to your recipients:
Bank Transfer Payouts
| Code | Payment Type | Network Name | Currency | Settlement Time | Cut-off Time (Local) | Cut-off Time (GMT) | Minimum Amount | Maximum Amount |
|---|---|---|---|---|---|---|---|---|
| 0110 | Bank Transfer | IFT | GTQ | T+0 | 12:00 p.m. — Transfers made on weekends/public holidays settle on the next business day. | 06:00 p.m. - Transfers made on weekends/public holidays settle on the next business day. | GTQ 1.00 | GTQ 20,000.00 |
| 0110 | Bank Transfer | ACH | GTQ | T+0 | 12:00 p.m. — Transfers made on weekends/public holidays settle on the next business day. | 06:00 p.m. - Transfers made on weekends/public holidays settle on the next business day. | GTQ 20,001 | No maximum limit. Used for transactions above GTQ 20,000. |
Bank Account Information
Account Type Reference
The following account types are supported:
| Code | Account Type | Description |
|---|---|---|
C | Checking Account | Standard transactional account for daily banking operations. |
S | Saving Account | Interest-bearing savings account for funds accumulation. |
Bank Codes
Important
Some institutions marked as "NOT CONNECTED" don't participate in the SWIFT network but can still receive local transfers.
| Code | Type | Name | Swift | Account Type | Checking Regex | Saving Regex |
|---|---|---|---|---|---|---|
| 001 | Bank | BANCO DE GUATEMALA | BAGUGTGC | C, S | /^(1|2|3|5|6|7|8|9)[0-9]{6}$ | - |
| 004 | Bank | EL CRÉDITO HIPOTECARIO NACIONAL DE GUATEMALA | CHNAGTGC | C, S | /^(10|11)[0-9]{10}$ | /^(01|02|03)[0-9]{10}$ |
| 012 | Bank | BANCO DE LOS TRABAJADORES | TRAJGTGC | C, S | /^(1|2|3|5|6|7|8|9)[0-9]{7,9}$ | /^(1|2|3|4|5|6|7|8|9){1}[0-9]{3,9}$ |
| 013 | Bank | BANCO INMOBILIARIO, S.A. | BINMGTGC | C, S | /^(1|2|5)[0-9]{10,11}$ | /^(1)[0-9]{10,11}$ |
| 015 | Bank | BANCO INDUSTRIAL, S.A. | INDLGTGC | C, S | /^[0-9]{10}$ | /^[0-9]{7}$ |
| 016 | Bank | BANCO DE DESARROLLO RURAL, S.A. (BANRURAL) | BRRLGTGC | C, S | /^(3[0-9]{9}|0[0-9]{13})$ | /^(4[0-9]{9}|0[0-9]{13})$ |
| 019 | Bank | BANCO INTERNACIONAL, S.A. | DIBIGTGC | C, S | /^[0-9]{10}$ | /^[0-9]{10}$ |
| 030 | Bank | CITIBANK, N.A. SUCURSAL GUATEMALA | CITIGTGC | C, S | /^(000)[0-9]{7}$ | - |
| 036 | Bank | VIVIBANCO, S.A. | VIVBGTGT | C, S | /^[0-9]{12}$ | /^[0-9]{12}$ |
| 039 | Bank | BANCO FICOHSA GUATEMALA, S.A. | FCOHGTGC | C, S | /^(5)[0-9]{8,10}$ | /^(5)[0-9]{8,10}$ |
| 040 | Bank | PROMERICA (BANCASOL S.A.) | BPRCGTGC | C, S | /^[0-9]{14}$ | /^[0-9]{14}$ |
| 041 | Bank | BANCO DE ANTIGUA, S.A. | ANTGGTG1 | C, S | - | /^(4127)[0-9]{9}$ |
| 042 | Bank | BANCO DE AMÉRICA CENTRAL, S.A. (BAC) | AMCNGTGT | C, S | /^[0-9]{9,11}$ | /^(96)[0-9]{7}|(1)[0-9]{9}|^([0-9]){9,11}$/ |
| 044 | Bank | BANCO AGROMERCANTIL DE GUATEMALA, S.A. | AGROGTGC | C, S | /^(0)?[0-9]{9,10}$ | /^(0)?[0-9]{9,10}$ |
| 045 | Bank | BANCO G&T CONTINENTAL, S.A. | GTCOGTGC | C, S | /^[0-9]{11}$ | /^[0-9]{11}$ |
| 047 | Bank | BANCO AZTECA DE GUATEMALA, S.A. | AZTKGTGC | C, S | /^[0-9]{14}$ | - |
| 048 | Bank | BANCO INV, S.A. | FIVNGTGT | C, S | /^(0)[0-9]{11}$ | /^(2)[0-9]{11}$ |
| 049 | Bank | BANCO CREDICORP, S.A. | CDSOGTG2 | C, S | /^[0-9]{12}$ | /^[0-9]{12}$ |
| 050 | Bank | BANCO NEXA, S.A. | NSOAGTGT | C, S | - | - |
Supported Document Types
Required documents for customer verification:
| Document Type | Full Name | Entity Type | Regex |
|---|---|---|---|
| NIT | Numero de Identificación Tributaria | Companies & Individuals | /^[0-9]+(-?[0-9kK])?$ |
| CUI | Codigo Unico de Identificación | Individuals | /^[0-9]{13}$ |
National Holidays
Plan your transaction processing around these national holidays in Guatemala:
| Holiday | Date |
|---|---|
| New Year's Day | January 1 |
| Maundy Thursday | April 17 |
| Good Friday | April 18 |
| Holy Saturday | April 19 |
| Easter Sunday | April 20 |
| Labour Day | may 1 |
| Army Day | June 30 |
| Assumption Day | August 15 |
| Independence Day | September 15 |
| Revolution Day | October 20 |
| All Saints' Day | November 1 |
| Christmas Eve | December 24 |
| Christmas Day | December 25 |
| New Year's Eve | December 31 |
Updated 3 days ago