{"id":2536,"date":"2025-05-05T14:04:36","date_gmt":"2025-05-05T19:04:36","guid":{"rendered":"https:\/\/shareppyinternacional.com\/?p=2536"},"modified":"2025-05-05T14:04:36","modified_gmt":"2025-05-05T19:04:36","slug":"%f0%9f%92%b8-immediate-payments-in-colombia","status":"publish","type":"post","link":"https:\/\/shareppyinternacional.com\/en\/%f0%9f%92%b8-immediate-payments-in-colombia\/","title":{"rendered":"\ud83d\udcb8 Immediate Payments in Colombia"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221;][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<div class=\"w-full text-token-text-primary\" dir=\"auto\" data-testid=\"conversation-turn-3\" data-scroll-anchor=\"false\">\n<div class=\"py-2 juice:py-[18px] px-3 text-base md:px-4 m-auto md:px-5 lg:px-1 xl:px-5\">\n<div class=\"mx-auto flex flex-1 gap-3 text-base juice:gap-4 juice:md:gap-5 juice:lg:gap-6 md:max-w-3xl lg:max-w-[40rem] xl:max-w-[48rem]\">\n<div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex flex-grow flex-col max-w-full\">\n<div class=\"min-h-[20px] text-message flex flex-col items-start whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 juice:w-full juice:items-end overflow-x-auto gap-2\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"131a39cf-3206-43a5-b754-5ae4bb211c29\">\n<div class=\"flex w-full flex-col gap-1 juice:empty:hidden juice:first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex-1 overflow-hidden\">\n<div class=\"h-full\">\n<div class=\"react-scroll-to-bottom--css-niuhr-79elbk h-full\">\n<div class=\"react-scroll-to-bottom--css-niuhr-1n7m0yu\">\n<div class=\"flex flex-col text-sm md:pb-9\">\n<article class=\"w-full text-token-text-primary focus-visible:outline-2 focus-visible:outline-offset-[-4px]\" dir=\"auto\" data-testid=\"conversation-turn-7\" data-scroll-anchor=\"true\">\n<div class=\"text-base py-[18px] px-3 md:px-4 m-auto w-full md:px-5 lg:px-4 xl:px-5\">\n<div class=\"mx-auto flex flex-1 gap-4 text-base md:gap-5 lg:gap-6 md:max-w-3xl lg:max-w-[40rem] xl:max-w-[48rem]\">\n<div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex max-w-full flex-col flex-grow\">\n<div class=\"min-h-[20px] text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"52b47849-3cec-44ab-9f8e-658f942d0d44\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex max-w-full flex-col flex-grow\">\n<div class=\"min-h-[20px] text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"52b47849-3cec-44ab-9f8e-658f942d0d44\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<p class=\"\" data-start=\"496\" data-end=\"886\">In 2025, the Colombian financial system is undergoing an unprecedented transformation. The arrival of <strong>instant payment platforms<\/strong> such as <strong>Transfiya<\/strong>, <strong>Redeban<\/strong> and the upcoming implementation of <a href=\"https:\/\/www.instagram.com\/reel\/DFAvIwYMzQH\/?utm_source=ig_web_copy_link&amp;igsh=MzRlODBiNWFlZA==\"><strong data-start=\"692\" data-end=\"701\">Bre-B<\/strong><\/a> by <a href=\"https:\/\/www.banrep.gov.co\/es\/bre-b\"><strong data-start=\"716\" data-end=\"741\">Banco de la Rep\u00fablica<\/strong><\/a>, are changing the rules of the game in terms of how, when and with what level of security money can be moved between individuals and entities.<\/p>\n<p class=\"\" data-start=\"888\" data-end=\"1122\">This article provides a comprehensive analysis on the current state of immediate payments in Colombia and its impact for those leading financial processes in cooperatives, banks, <a href=\"http:\/\/www.shareppyinternacional.com\">fintechs<\/a> and companies that provide credit products.<\/p>\n<h2 class=\"\" data-start=\"1129\" data-end=\"1183\"><strong>\u26a1 What are Immediate Payments and why do they matter?<\/strong><\/h2>\n<p class=\"\" data-start=\"1185\" data-end=\"1393\">An immediate payments system allows <strong>electronic transfers to be made in real time<\/strong>, securely and without hourly interruptions (they operate 24\/7). For financial institutions, this represents:<\/p>\n<ul>\n<li>Reduced operating times.<\/li>\n<li>Better user experience.<\/li>\n<li>Less friction in collection and disbursement processes.<\/li>\n<li>Greater competitiveness vis-\u00e0-vis new players in the ecosystem.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"min-h-[20px] text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"52b47849-3cec-44ab-9f8e-658f942d0d44\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<h2 class=\"\" data-start=\"1601\" data-end=\"1654\"><strong>\ud83e\uddea Radiography of the 3 key systems in Colombia<\/strong><\/h2>\n<h3 class=\"\" data-start=\"1656\" data-end=\"1729\"><strong>\ud83c\udfdb\ufe0f 1. Bre-B &#8211; Banco de la Rep\u00fablica (<em>Launch: September 2025<\/em>)<\/strong><\/h3>\n<p class=\"\" data-start=\"1731\" data-end=\"1947\">This will be the c<strong>ountry&#8217;s official immediate payments system<\/strong>, operated directly by the Central Bank. Its objective is to guarantee <strong>universal interoperability<\/strong> and reduce dependence on private intermediaries.<\/p>\n<p class=\"\" data-start=\"1949\" data-end=\"1978\"><strong>Technical characteristics:<\/strong><\/p>\n<ul>\n<li data-start=\"1981\" data-end=\"2022\">Transfers in <strong>up to 20 seconds.<\/strong><\/li>\n<li data-start=\"1981\" data-end=\"2022\">Available 24\/7, including weekends and holidays.<\/li>\n<li data-start=\"1981\" data-end=\"2022\">Uses \u201c<strong>keys<\/strong>\u201d (ID, cell phone, email, unique code).<\/li>\n<li data-start=\"1981\" data-end=\"2022\">Transaction limit: <strong>$10,951,000 COP.<\/strong><\/li>\n<li data-start=\"1981\" data-end=\"2022\">Designed to be <strong>secure, scalable and neutral.<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p class=\"\" data-start=\"2239\" data-end=\"2481\">Its implementation will position Colombia on a par with systems such as PIX in Brazil or CoDi in Mexico. Entities that <strong>are not ready for Bre-B could lose competitiveness<\/strong> in their digital service.<\/p>\n<h3 class=\"\" data-start=\"2488\" data-end=\"2542\"><strong>\ud83d\udcf1 2. Transfiya \u2013 ACH Colombia <em data-start=\"2523\" data-end=\"2542\">(Launched in 2020)<\/em><\/strong><\/h3>\n<p class=\"\" data-start=\"2544\" data-end=\"2713\">This pioneering system allows sending, receiving and <strong>requesting money using only the cell phone number.<\/strong> It is free for users and compatible with more than 25 entities.<\/p>\n<p class=\"\" data-start=\"2715\" data-end=\"2737\"><strong data-start=\"2715\" data-end=\"2737\">Key indicators:<\/strong><\/p>\n<ul>\n<li data-start=\"2740\" data-end=\"2765\">+20 million users.<\/li>\n<li data-start=\"2740\" data-end=\"2765\">+298 million transfers.<\/li>\n<li data-start=\"2740\" data-end=\"2765\">High adoption among digital wallets.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p class=\"\" data-start=\"2846\" data-end=\"2971\"><strong data-start=\"2846\" data-end=\"2859\">Challenges:<\/strong><br data-start=\"2859\" data-end=\"2862\" \/>Some reports of <strong>lost funds<\/strong> and perceived vulnerabilities in the end-user experience.<\/p>\n<h3 class=\"\" data-start=\"2978\" data-end=\"3021\"><strong>\ud83c\udf10 3. Redeban \u2013 Private infrastructure.<\/strong><\/h3>\n<p class=\"\" data-start=\"3023\" data-end=\"3160\">Redeban has developed its own immediate payment network based on digital identifiers, integrating with popular banking apps.<\/p>\n<p class=\"\" data-start=\"3162\" data-end=\"3183\"><strong data-start=\"3162\" data-end=\"3181\">Where it works:<\/strong><\/p>\n<ul>\n<li data-start=\"3186\" data-end=\"3212\">Bancolombia (Tus Llaves)<\/li>\n<li data-start=\"3215\" data-end=\"3239\">Davivienda and Daviplata<\/li>\n<li data-start=\"3242\" data-end=\"3249\">Nequi<\/li>\n<li data-start=\"3252\" data-end=\"3265\">Nu Colombia<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2 class=\"\" data-start=\"3376\" data-end=\"3440\"><strong>\ud83d\udd0d What are major financial institutions doing?<\/strong><\/h2>\n<p class=\"\" data-start=\"3442\" data-end=\"3655\">Throughout 2025, the country&#8217;s leading banks and cooperatives have begun <strong>adapting their internal systems<\/strong> to connect with Bre-B and improve the digital payments experience. Here&#8217;s a quick look:<\/p>\n<div class=\"group pointer-events-none relative flex justify-center *:pointer-events-auto\">\n<div class=\"tableContainer horzScrollShadows relative\">\n<table class=\"min-w-full\" data-start=\"3657\" data-end=\"4723\">\n<thead data-start=\"3657\" data-end=\"3756\">\n<tr data-start=\"3657\" data-end=\"3756\">\n<th data-start=\"3657\" data-end=\"3682\">\ud83c\udfe6 Entity<\/th>\n<th data-start=\"3682\" data-end=\"3710\">\ud83e\udde0 Active System<\/th>\n<th data-start=\"3710\" data-end=\"3738\">\ud83d\udd04 Preparation for Bre-B<\/th>\n<th data-start=\"3738\" data-end=\"3756\">\ud83e\udde9 Differential<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"3857\" data-end=\"4723\">\n<tr data-start=\"3857\" data-end=\"3979\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"3857\" data-end=\"3882\"><strong data-start=\"3859\" data-end=\"3874\">Bancolombia<\/strong><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"3882\" data-end=\"3909\">Tus Llaves<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"3909\" data-end=\"3938\">\u2705<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"3938\" data-end=\"3979\">Instant transfers at no cost<\/td>\n<\/tr>\n<tr data-start=\"3980\" data-end=\"4107\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"3980\" data-end=\"4006\"><strong data-start=\"3982\" data-end=\"4006\">Davivienda\/Daviplata<\/strong><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4006\" data-end=\"4033\">Interoperable keys<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4033\" data-end=\"4062\">\u2705<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)] min-w-[calc(var(--thread-content-max-width)\/3)]\" data-start=\"4062\" data-end=\"4107\">Direct links to Nequi and other banks<\/td>\n<\/tr>\n<tr data-start=\"4108\" data-end=\"4233\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4108\" data-end=\"4133\"><strong data-start=\"4110\" data-end=\"4119\">Nequi<\/strong><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4133\" data-end=\"4160\">Suggested user<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4160\" data-end=\"4189\">\u2705<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4189\" data-end=\"4233\">Simplified UX with personalized aliases<\/td>\n<\/tr>\n<tr data-start=\"4234\" data-end=\"4359\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4234\" data-end=\"4259\"><strong data-start=\"4236\" data-end=\"4255\">Banco de Bogot\u00e1<\/strong><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4259\" data-end=\"4286\">Tag Aval<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4286\" data-end=\"4315\">\u2705<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4315\" data-end=\"4359\">Grupo Aval coverage + interoperability<\/td>\n<\/tr>\n<tr data-start=\"4360\" data-end=\"4483\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4360\" data-end=\"4385\"><strong data-start=\"4362\" data-end=\"4383\">Banco Caja Social<\/strong><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4385\" data-end=\"4412\">App with biometrics<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4412\" data-end=\"4441\">\u2705<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4441\" data-end=\"4483\">High security for digital users<\/td>\n<\/tr>\n<tr data-start=\"4484\" data-end=\"4605\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4484\" data-end=\"4509\"><strong data-start=\"4486\" data-end=\"4498\">Bancam\u00eda<\/strong><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4509\" data-end=\"4536\">QR interoperable<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4536\" data-end=\"4565\">\u2705<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4565\" data-end=\"4605\">Ideal for rural areas and mobility<\/td>\n<\/tr>\n<tr data-start=\"4606\" data-end=\"4723\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4606\" data-end=\"4631\"><strong data-start=\"4608\" data-end=\"4623\">Nu Colombia<\/strong><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4631\" data-end=\"4658\">Redeban<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4658\" data-end=\"4687\">\u2705<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"4687\" data-end=\"4723\">Speed + full digitization<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"min-h-[20px] text-message flex flex-col items-start whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 juice:w-full juice:items-end overflow-x-auto gap-2\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"131a39cf-3206-43a5-b754-5ae4bb211c29\">\n<div class=\"flex w-full flex-col gap-1 juice:empty:hidden juice:first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex-1 overflow-hidden\">\n<div class=\"h-full\">\n<div class=\"react-scroll-to-bottom--css-niuhr-79elbk h-full\">\n<div class=\"react-scroll-to-bottom--css-niuhr-1n7m0yu\">\n<div class=\"flex flex-col text-sm md:pb-9\">\n<article class=\"w-full text-token-text-primary focus-visible:outline-2 focus-visible:outline-offset-[-4px]\" dir=\"auto\" data-testid=\"conversation-turn-7\" data-scroll-anchor=\"true\">\n<div class=\"text-base py-[18px] px-3 md:px-4 m-auto w-full md:px-5 lg:px-4 xl:px-5\">\n<div class=\"mx-auto flex flex-1 gap-4 text-base md:gap-5 lg:gap-6 md:max-w-3xl lg:max-w-[40rem] xl:max-w-[48rem]\">\n<div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex max-w-full flex-col flex-grow\">\n<div class=\"min-h-[20px] text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"52b47849-3cec-44ab-9f8e-658f942d0d44\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex max-w-full flex-col flex-grow\">\n<div class=\"min-h-[20px] text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"52b47849-3cec-44ab-9f8e-658f942d0d44\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"\" data-start=\"4730\" data-end=\"4807\"><strong>\ud83d\udd04 What does this mean for cooperatives and solidarity sector entities?<\/strong><\/h2>\n<p class=\"\" data-start=\"4809\" data-end=\"4942\">The advance in immediate payments <strong>is not only a technological change<\/strong>, but a <strong>new expectation of the Colombian financial user.<\/strong><\/p>\n<h3 class=\"\" data-start=\"4944\" data-end=\"4971\"><strong>\u2714\ufe0f Direct benefits:<\/strong><\/h3>\n<ul>\n<li data-start=\"4974\" data-end=\"5021\"><strong>Reduced delinquency:<\/strong> by facilitating 24\/7 payments.<\/li>\n<li data-start=\"4974\" data-end=\"5021\"><strong>More online credit approval:<\/strong> by integrating immediate disbursement processes.<\/li>\n<li data-start=\"4974\" data-end=\"5021\"><strong>Increased traceability:<\/strong> thanks to the use of unique identifiers.<\/li>\n<li data-start=\"4974\" data-end=\"5021\"><strong>More financial inclusion:<\/strong> especially in areas where operating without schedules is essential.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2 class=\"\" data-start=\"5686\" data-end=\"5733\">\ud83d\ude80 Conclusion: The Time to Act is Now<\/h2>\n<p class=\"\" data-start=\"5735\" data-end=\"5959\">The evolution of immediate payments redefines how money moves in Colombia. And the future is no longer optional: the entities that adapt with agility, technology and strategic vision are the ones that will make the difference.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><!--more--><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>In 2025, Colombia will be transformed with immediate payment systems such as Transfiya, Redeban and the expected Bre-B. Is your institution ready for this new standard?<\/p>\n","protected":false},"author":3,"featured_media":2542,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"wds_primary_category":28,"_joinchat":[],"footnotes":""},"categories":[28],"tags":[],"class_list":["post-2536","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Immediate Payments in Colombia - Blog<\/title>\n<meta name=\"description\" content=\"Discover how immediate payments are revolutionizing the financial system in Colombia so you don&#039;t get left behind.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/shareppyinternacional.com\/en\/%f0%9f%92%b8-immediate-payments-in-colombia\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The most common financial frauds in 2025 - Blog\" \/>\n<meta property=\"og:description\" content=\"Discover the most common financial frauds and how to protect your institution. 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