# Cobru Docs



## English

# Docs

- 00 hubs: undefined
  - [Changelog](/en/docs/changelog): Track major documentation, API reference, and information architecture changes published in this repo.
  - [Payouts](/en/docs/payouts): Move balance with transfers, cash withdrawals, bank payouts, and reconciliation flows exposed by Cobru.
  - [Platform](/en/docs/platform): Authentication, webhooks, testing, AI-assisted workflows, troubleshooting, and the API reference required to operate Cobru safely in production.
- Introduction: undefined
  - [Payments](/en/docs): Build Cobru payment flows for Colombia with a docs experience optimized for production integrators and AI-assisted developers.
  - [Quickstart](/en/docs/getting-started): Go from credentials to a working Cobru payment link in under five minutes.
  - [Build with AI](/en/docs/build-with-ai): Give coding agents and internal copilots a stable, truthful way to consume Cobru documentation.
  - [Authentication](/en/docs/authentication): Credential model, token refresh flow, and security guidance for the Cobru API.
  - [Webhooks](/en/docs/webhooks): Design a safe Cobru webhook handler and understand the current callback limitations.
  - [Error Reference](/en/docs/errors): Known Cobru error patterns, misleading status codes, and troubleshooting guidance.
  - [Testing](/en/docs/testing): Sandbox usage, webhook testing, and production-readiness checks for Cobru integrations.
  - [Production Readiness](/en/docs/production-readiness): Operational checklist for taking a Cobru integration from sandbox to live traffic.
  - [Troubleshooting](/en/docs/troubleshooting): Fast diagnosis guide for the most common Cobru integration failures.
  - [GitHub](https://github.com/neeroai/docs-cobru): undefined
- API: undefined
  - API Reference: undefined
    - [API Reference](/en/docs/api/reference): Interactive OpenAPI reference for Cobru payments, treasury, tokenization, cards, Celo, and white-label flows.
- Guides: undefined
  - [Bre-B payment flow](/en/docs/guides/qr-breb): End-to-end Bre-B flow for an existing cobru, based on the original Spotlight materials plus verified QR addenda.
  - [Balances](/en/docs/guides/balances): Check account balance and use it operationally in Cobru integrations.
  - [Movements](/en/docs/guides/movements): Use movement history for reconciliation, treasury, and support operations.
  - [White-label](/en/docs/guides/whitelabel): Guidance for embedding Cobru in your own product experience with minimal end-user confusion.
- Api: undefined
  - Reference: undefined
    - Authentication: undefined
      - [Refresh access token](/en/docs/api/reference/authentication/refreshToken): Exchange a Cobru refresh token for a short-lived access token.
The request body field is `refresh`, not `refresh_token`.
    - Cobrus: undefined
      - [Create a cobru](/en/docs/api/reference/cobrus/createCobru): Create a hosted Cobru payment object.

Important quirks:
- `payment_method_enabled` must be a JSON string.
- `payer_redirect_url` and `callback` should always be included.
- the response field `url` is a short slug, not a full URL.
      - [Submit payment details](/en/docs/api/reference/cobrus/submitPaymentDetails): Submit payer and payment-method-specific details for an existing cobru.

This operation is still classified as `legacy-doc`. Its field shape is
corroborated by Cobru's original Spotlight materials, the compiled internal
API notes, and later deep checkout research, but Cobru has not yet replayed
every method variant end-to-end in this repo's sandbox evidence set.

Current confidence breakdown:
- High confidence on the selector field name `payment`
- High confidence on the PSE prerequisite `GET /get_banks/1/` plus `bankCode`
  mapped into the `bank` field
- Medium confidence on Nequi and Daviplata request shapes
- Medium confidence on card and Bancolombia button payload fields
- Known sandbox caveat: direct `payment: "breb"` has been observed as
  commercially gated or disabled in later research, even though Spotlight
  documents it as a supported method

Spotlight materials describe this endpoint as the checkout hub for Bre-B, PSE,
Efecty, Corresponsal Bancolombia, Nequi, dale!, Botón Bancolombia, Daviplata,
and credit-card flows.
      - [Confirm Daviplata OTP](/en/docs/api/reference/cobrus/confirmDaviplataPayment): Confirm a Daviplata payment after the payer receives the OTP.
This operation is documented in the original Spotlight materials and later
deep checkout research, but Cobru has not yet replayed a full OTP confirmation
cycle in the sandbox evidence published by this repo.
      - [Consult a cobru](/en/docs/api/reference/cobrus/consultCobru)
      - [List PSE banks](/en/docs/api/reference/cobrus/listPseBanks): Retrieve available PSE bank codes.
      - [Quote a cobru](/en/docs/api/reference/cobrus/estimateCobru): Estimate fees and net received amount before creating a cobru.
      - [Edit a cobru](/en/docs/api/reference/cobrus/editCobru): Update mutable fields on an existing cobru.
    - Transfers: undefined
      - [List transfers](/en/docs/api/reference/transfers/listTransfers): Retrieve transfers created by the authenticated Cobru user. Older materials show `from_user`, `to_user`, `amount`, and `date` fields in the response.
      - [Send balance to another Cobru user](/en/docs/api/reference/transfers/sendBalance): Transfer Cobru balance to another Cobru user. Legacy materials indicate the sender must have verified phone and email, and that the recipient is identified by phone number.
    - Balance & Movements: undefined
      - [Get balance](/en/docs/api/reference/balance-&-movements/getBalance): Retrieve account balance.
      - [List movements by operation family](/en/docs/api/reference/balance-&-movements/listMovementsByType): Retrieve operational movement history with one family filter at a time.
Spotlight documents `by_cobrus`, `by_withdraws`, `by_sends`, and `by_other_payments`.
    - Cash Withdrawals: undefined
      - [List legacy bank withdrawals](/en/docs/api/reference/cash-withdrawals/listLegacyBankWithdrawals)
      - [Withdraw money to a bank account](/en/docs/api/reference/cash-withdrawals/createBankWithdrawalLegacy): Legacy withdrawal flow documented before the third-party withdrawal endpoints.
      - [List cash withdrawals](/en/docs/api/reference/cash-withdrawals/listCashWithdrawals): Retrieve cash withdrawals for the authenticated account. Legacy materials expose state codes and callback information in the listing payload.
      - [Withdraw cash](/en/docs/api/reference/cash-withdrawals/createCashWithdrawal): Create a cash withdrawal. The best-known public contract is documented for Efecty and supports optional callback and estimate fields.
      - [Get cash withdrawal by ID](/en/docs/api/reference/cash-withdrawals/getCashWithdrawal): Retrieve the detail view of one cash withdrawal.
      - [Cancel cash withdrawal](/en/docs/api/reference/cash-withdrawals/cancelCashWithdrawal): Cancel a previously created cash withdrawal before pickup.
    - Bank Withdrawals: undefined
      - [List available banks for third-party withdrawals](/en/docs/api/reference/bank-withdrawals/listThirdPartyWithdrawalBanks): Retrieve the bank catalog used by the legacy Colombian third-party withdrawal flow.
      - [List third-party withdrawals](/en/docs/api/reference/bank-withdrawals/listThirdPartyWithdrawals): Retrieve previously created third-party withdrawals. Legacy materials mention querying by idempotency key in addition to standard list retrieval.
      - [Create bank withdrawal to a third party](/en/docs/api/reference/bank-withdrawals/createThirdPartyWithdrawal): Create a bank withdrawal using the best-known Colombian third-party payout contract from legacy Cobru materials. Supports beneficiary banking details, optional callback, and optional idempotency key.
      - [Get third-party withdrawal by ID](/en/docs/api/reference/bank-withdrawals/getThirdPartyWithdrawal): Retrieve the latest state and details for one third-party bank withdrawal.
      - [Cancel third-party withdrawal](/en/docs/api/reference/bank-withdrawals/cancelThirdPartyWithdrawal): Cancel a previously created third-party bank withdrawal.
      - [Get third-party withdrawal PDF](/en/docs/api/reference/bank-withdrawals/getThirdPartyWithdrawalPdf)
      - [Create BRE-B transfer](/en/docs/api/reference/bank-withdrawals/createBreBTransfer): Candidate endpoint for BRE-B-linked bank movement in Colombia. The exact request and settlement model still require fresh validation with Cobru.
      - [Create bank withdrawal to Brazil](/en/docs/api/reference/bank-withdrawals/createBankWithdrawalBrazil): Create a Brazil payout using the legacy Cobru export built around PIX keys and CPF/CNPJ identity.
      - [Create bank withdrawal to Argentina](/en/docs/api/reference/bank-withdrawals/createBankWithdrawalArgentina): Create an Argentina payout using the legacy Cobru export built around `cbu` or `cvu` destination identifiers.
      - [Create bank withdrawal to Mexico](/en/docs/api/reference/bank-withdrawals/createBankWithdrawalMexico): Create a Mexico payout using the legacy Cobru export built around CLABE and beneficiary name.
    - Services: undefined
      - [Recharge a mobile phone](/en/docs/api/reference/services/rechargeCellPhone): Recharge a mobile phone line using Cobru's digital-services surface. Legacy materials mention operators such as Claro, Movistar, Tigo, and Avantel.
      - [List PIN products](/en/docs/api/reference/services/listPinProducts): Retrieve the PIN product catalog. Legacy materials also mention filtering by operator.
      - [Buy PIN product](/en/docs/api/reference/services/buyPinProduct): Purchase a PIN-based digital product from Cobru.
      - [List recharge packages](/en/docs/api/reference/services/listCellPackages): Retrieve the catalog of mobile data or recharge packages available in Cobru.
      - [Buy recharge package](/en/docs/api/reference/services/buyCellPackage): Purchase a mobile data or recharge package through Cobru.
      - [Quote SOAT insurance](/en/docs/api/reference/services/getSoatQuote)
      - [Buy SOAT insurance](/en/docs/api/reference/services/buySoat)
      - [List SOAT document types](/en/docs/api/reference/services/listSoatDocumentTypes)
      - [List SOAT cities](/en/docs/api/reference/services/listSoatCities)
    - Tokenization: undefined
      - [Get tokenization public key](/en/docs/api/reference/tokenization/getTokenizationPublicKey)
      - [Register a tokenized credit card](/en/docs/api/reference/tokenization/registerCreditCardToken)
      - [List tokenized cards](/en/docs/api/reference/tokenization/listTokenizedCards)
      - [Pay with a tokenized card](/en/docs/api/reference/tokenization/payWithTokenizedCard)
      - [Delete a tokenized card](/en/docs/api/reference/tokenization/deleteTokenizedCard)
    - Cards: undefined
      - [Create and reload card](/en/docs/api/reference/cards/createOrReloadCard): Shared legacy endpoint for card issuance and card reload. Use `amount: 0` to create a new card, or send `card_id` plus a positive amount to reload an existing card.
      - [Get debit cards or one card by ID](/en/docs/api/reference/cards/getDebitCard): Retrieve the card list or a single card when `card_id` is provided.
      - [List debit card transactions](/en/docs/api/reference/cards/listDebitCardTransactions): Retrieve movement history for one Cobru virtual card.
      - [Freeze debit card](/en/docs/api/reference/cards/freezeDebitCard): Freeze or unfreeze a Cobru virtual card.
    - Celo: undefined
      - [Get or create cUSD wallet](/en/docs/api/reference/celo/getOrCreateCeloWallet)
      - [Transfer cUSD](/en/docs/api/reference/celo/transferCusd)
      - [Export Celo wallet account details](/en/docs/api/reference/celo/exportCeloWalletAccount)
      - [List cUSD wallet transactions](/en/docs/api/reference/celo/listCusdTransactions)
      - [Pay a Cobru with cUSD](/en/docs/api/reference/celo/payCobruWithCelo)
      - [Get crypto rates](/en/docs/api/reference/celo/getCryptoRates)
      - [Buy cUSD or other supported crypto balance](/en/docs/api/reference/celo/buyCrypto)
    - Whitelabel: undefined
      - [Register a white-label user](/en/docs/api/reference/whitelabel/createWhitelabelUser)
      - [List business categories](/en/docs/api/reference/whitelabel/listWhitelabelCategories)
      - [List subcategories by category](/en/docs/api/reference/whitelabel/listWhitelabelSubcategories)
      - [Request email or phone confirmation code](/en/docs/api/reference/whitelabel/requestWhitelabelConfirmationCode)
      - [Verify email confirmation code](/en/docs/api/reference/whitelabel/verifyWhitelabelEmail)
      - [Verify phone confirmation code](/en/docs/api/reference/whitelabel/verifyWhitelabelPhone)
    - Webhooks: undefined
      - [Payment state callback](/en/docs/api/reference/webhooks/paymentStateChanged): Cobru sends a POST request to the callback URL provided when creating a payment.
Webhooks are not signed today, so consumers should treat them as notifications and re-check state for sensitive flows.

## Español

# Docs

- 00 hubs: undefined
  - [Changelog](/es/docs/changelog): Sigue los cambios importantes de documentación, referencia API e información arquitectónica publicados en este repo.
  - [Payouts](/es/docs/payouts): Mueve saldo con envíos, retiros en efectivo, retiros bancarios y flujos de conciliación expuestos por Cobru.
  - [Platform](/es/docs/platform): Autenticación, webhooks, testing, workflows asistidos con IA, troubleshooting y la referencia API necesaria para operar Cobru de forma segura en producción.
- Introducción: undefined
  - [Payments](/es/docs): Construye flujos de pago de Cobru con una experiencia documental optimizada para integradores productivos y developers asistidos con IA.
  - [Inicio rápido](/es/docs/getting-started): Pasa de credenciales a un payment link funcional de Cobru en menos de cinco minutos.
  - [Build with AI](/es/docs/build-with-ai): Da a coding agents y copilots internos una forma estable y veraz de consumir la documentación de Cobru.
  - [Autenticación](/es/docs/authentication): Modelo de credenciales, flujo de refresh del token y guía de seguridad para la API de Cobru.
  - [Webhooks](/es/docs/webhooks): Diseña un handler seguro para webhooks de Cobru y entiende las limitaciones actuales del callback.
  - [Referencia de errores](/es/docs/errors): Patrones de error conocidos en Cobru, status codes engañosos y guía de troubleshooting.
  - [Pruebas](/es/docs/testing): Uso de sandbox, pruebas de webhooks y checks de salida a producción para integraciones Cobru.
  - [Preparación para producción](/es/docs/production-readiness): Checklist operativo para llevar una integración Cobru desde sandbox a tráfico real.
  - [Resolución de problemas](/es/docs/troubleshooting): Guía rápida de diagnóstico para los fallos más comunes en integraciones Cobru.
  - [GitHub](https://github.com/neeroai/docs-cobru): undefined
- API: undefined
  - Referencia API: undefined
    - [Referencia API](/es/docs/api/reference): Referencia OpenAPI interactiva para pagos, tesorería, tokenización, tarjetas, Celo y flujos white-label de Cobru.
- Guías: undefined
  - [Flujo de pago Bre-B](/es/docs/guides/qr-breb): Flujo end-to-end de Bre-B para un cobru existente, basado en los materiales originales de Spotlight más addenda QR verificadas.
  - [Balances](/es/docs/guides/balances): Consulta saldo de cuenta y úsalo operativamente dentro de integraciones Cobru.
  - [Movimientos](/es/docs/guides/movements): Usa el historial de movimientos para conciliación, tesorería y soporte.
  - [Marca blanca](/es/docs/guides/whitelabel): Recomendaciones para integrar Cobru dentro de tu propia experiencia de producto con mínima fricción para el usuario final.
- Api: undefined
  - Reference: undefined
    - Authentication: undefined
      - [Refresh access token](/es/docs/api/reference/authentication/refreshToken): Exchange a Cobru refresh token for a short-lived access token.
The request body field is `refresh`, not `refresh_token`.
    - Cobrus: undefined
      - [Create a cobru](/es/docs/api/reference/cobrus/createCobru): Create a hosted Cobru payment object.

Important quirks:
- `payment_method_enabled` must be a JSON string.
- `payer_redirect_url` and `callback` should always be included.
- the response field `url` is a short slug, not a full URL.
      - [Submit payment details](/es/docs/api/reference/cobrus/submitPaymentDetails): Submit payer and payment-method-specific details for an existing cobru.

This operation is still classified as `legacy-doc`. Its field shape is
corroborated by Cobru's original Spotlight materials, the compiled internal
API notes, and later deep checkout research, but Cobru has not yet replayed
every method variant end-to-end in this repo's sandbox evidence set.

Current confidence breakdown:
- High confidence on the selector field name `payment`
- High confidence on the PSE prerequisite `GET /get_banks/1/` plus `bankCode`
  mapped into the `bank` field
- Medium confidence on Nequi and Daviplata request shapes
- Medium confidence on card and Bancolombia button payload fields
- Known sandbox caveat: direct `payment: "breb"` has been observed as
  commercially gated or disabled in later research, even though Spotlight
  documents it as a supported method

Spotlight materials describe this endpoint as the checkout hub for Bre-B, PSE,
Efecty, Corresponsal Bancolombia, Nequi, dale!, Botón Bancolombia, Daviplata,
and credit-card flows.
      - [Confirm Daviplata OTP](/es/docs/api/reference/cobrus/confirmDaviplataPayment): Confirm a Daviplata payment after the payer receives the OTP.
This operation is documented in the original Spotlight materials and later
deep checkout research, but Cobru has not yet replayed a full OTP confirmation
cycle in the sandbox evidence published by this repo.
      - [Consult a cobru](/es/docs/api/reference/cobrus/consultCobru)
      - [List PSE banks](/es/docs/api/reference/cobrus/listPseBanks): Retrieve available PSE bank codes.
      - [Quote a cobru](/es/docs/api/reference/cobrus/estimateCobru): Estimate fees and net received amount before creating a cobru.
      - [Edit a cobru](/es/docs/api/reference/cobrus/editCobru): Update mutable fields on an existing cobru.
    - Transfers: undefined
      - [List transfers](/es/docs/api/reference/transfers/listTransfers): Retrieve transfers created by the authenticated Cobru user. Older materials show `from_user`, `to_user`, `amount`, and `date` fields in the response.
      - [Send balance to another Cobru user](/es/docs/api/reference/transfers/sendBalance): Transfer Cobru balance to another Cobru user. Legacy materials indicate the sender must have verified phone and email, and that the recipient is identified by phone number.
    - Balance & Movements: undefined
      - [Get balance](/es/docs/api/reference/balance-&-movements/getBalance): Retrieve account balance.
      - [List movements by operation family](/es/docs/api/reference/balance-&-movements/listMovementsByType): Retrieve operational movement history with one family filter at a time.
Spotlight documents `by_cobrus`, `by_withdraws`, `by_sends`, and `by_other_payments`.
    - Cash Withdrawals: undefined
      - [List legacy bank withdrawals](/es/docs/api/reference/cash-withdrawals/listLegacyBankWithdrawals)
      - [Withdraw money to a bank account](/es/docs/api/reference/cash-withdrawals/createBankWithdrawalLegacy): Legacy withdrawal flow documented before the third-party withdrawal endpoints.
      - [List cash withdrawals](/es/docs/api/reference/cash-withdrawals/listCashWithdrawals): Retrieve cash withdrawals for the authenticated account. Legacy materials expose state codes and callback information in the listing payload.
      - [Withdraw cash](/es/docs/api/reference/cash-withdrawals/createCashWithdrawal): Create a cash withdrawal. The best-known public contract is documented for Efecty and supports optional callback and estimate fields.
      - [Get cash withdrawal by ID](/es/docs/api/reference/cash-withdrawals/getCashWithdrawal): Retrieve the detail view of one cash withdrawal.
      - [Cancel cash withdrawal](/es/docs/api/reference/cash-withdrawals/cancelCashWithdrawal): Cancel a previously created cash withdrawal before pickup.
    - Bank Withdrawals: undefined
      - [List available banks for third-party withdrawals](/es/docs/api/reference/bank-withdrawals/listThirdPartyWithdrawalBanks): Retrieve the bank catalog used by the legacy Colombian third-party withdrawal flow.
      - [List third-party withdrawals](/es/docs/api/reference/bank-withdrawals/listThirdPartyWithdrawals): Retrieve previously created third-party withdrawals. Legacy materials mention querying by idempotency key in addition to standard list retrieval.
      - [Create bank withdrawal to a third party](/es/docs/api/reference/bank-withdrawals/createThirdPartyWithdrawal): Create a bank withdrawal using the best-known Colombian third-party payout contract from legacy Cobru materials. Supports beneficiary banking details, optional callback, and optional idempotency key.
      - [Get third-party withdrawal by ID](/es/docs/api/reference/bank-withdrawals/getThirdPartyWithdrawal): Retrieve the latest state and details for one third-party bank withdrawal.
      - [Cancel third-party withdrawal](/es/docs/api/reference/bank-withdrawals/cancelThirdPartyWithdrawal): Cancel a previously created third-party bank withdrawal.
      - [Get third-party withdrawal PDF](/es/docs/api/reference/bank-withdrawals/getThirdPartyWithdrawalPdf)
      - [Create BRE-B transfer](/es/docs/api/reference/bank-withdrawals/createBreBTransfer): Candidate endpoint for BRE-B-linked bank movement in Colombia. The exact request and settlement model still require fresh validation with Cobru.
      - [Create bank withdrawal to Brazil](/es/docs/api/reference/bank-withdrawals/createBankWithdrawalBrazil): Create a Brazil payout using the legacy Cobru export built around PIX keys and CPF/CNPJ identity.
      - [Create bank withdrawal to Argentina](/es/docs/api/reference/bank-withdrawals/createBankWithdrawalArgentina): Create an Argentina payout using the legacy Cobru export built around `cbu` or `cvu` destination identifiers.
      - [Create bank withdrawal to Mexico](/es/docs/api/reference/bank-withdrawals/createBankWithdrawalMexico): Create a Mexico payout using the legacy Cobru export built around CLABE and beneficiary name.
    - Services: undefined
      - [Recharge a mobile phone](/es/docs/api/reference/services/rechargeCellPhone): Recharge a mobile phone line using Cobru's digital-services surface. Legacy materials mention operators such as Claro, Movistar, Tigo, and Avantel.
      - [List PIN products](/es/docs/api/reference/services/listPinProducts): Retrieve the PIN product catalog. Legacy materials also mention filtering by operator.
      - [Buy PIN product](/es/docs/api/reference/services/buyPinProduct): Purchase a PIN-based digital product from Cobru.
      - [List recharge packages](/es/docs/api/reference/services/listCellPackages): Retrieve the catalog of mobile data or recharge packages available in Cobru.
      - [Buy recharge package](/es/docs/api/reference/services/buyCellPackage): Purchase a mobile data or recharge package through Cobru.
      - [Quote SOAT insurance](/es/docs/api/reference/services/getSoatQuote)
      - [Buy SOAT insurance](/es/docs/api/reference/services/buySoat)
      - [List SOAT document types](/es/docs/api/reference/services/listSoatDocumentTypes)
      - [List SOAT cities](/es/docs/api/reference/services/listSoatCities)
    - Tokenization: undefined
      - [Get tokenization public key](/es/docs/api/reference/tokenization/getTokenizationPublicKey)
      - [Register a tokenized credit card](/es/docs/api/reference/tokenization/registerCreditCardToken)
      - [List tokenized cards](/es/docs/api/reference/tokenization/listTokenizedCards)
      - [Pay with a tokenized card](/es/docs/api/reference/tokenization/payWithTokenizedCard)
      - [Delete a tokenized card](/es/docs/api/reference/tokenization/deleteTokenizedCard)
    - Cards: undefined
      - [Create and reload card](/es/docs/api/reference/cards/createOrReloadCard): Shared legacy endpoint for card issuance and card reload. Use `amount: 0` to create a new card, or send `card_id` plus a positive amount to reload an existing card.
      - [Get debit cards or one card by ID](/es/docs/api/reference/cards/getDebitCard): Retrieve the card list or a single card when `card_id` is provided.
      - [List debit card transactions](/es/docs/api/reference/cards/listDebitCardTransactions): Retrieve movement history for one Cobru virtual card.
      - [Freeze debit card](/es/docs/api/reference/cards/freezeDebitCard): Freeze or unfreeze a Cobru virtual card.
    - Celo: undefined
      - [Get or create cUSD wallet](/es/docs/api/reference/celo/getOrCreateCeloWallet)
      - [Transfer cUSD](/es/docs/api/reference/celo/transferCusd)
      - [Export Celo wallet account details](/es/docs/api/reference/celo/exportCeloWalletAccount)
      - [List cUSD wallet transactions](/es/docs/api/reference/celo/listCusdTransactions)
      - [Pay a Cobru with cUSD](/es/docs/api/reference/celo/payCobruWithCelo)
      - [Get crypto rates](/es/docs/api/reference/celo/getCryptoRates)
      - [Buy cUSD or other supported crypto balance](/es/docs/api/reference/celo/buyCrypto)
    - Whitelabel: undefined
      - [Register a white-label user](/es/docs/api/reference/whitelabel/createWhitelabelUser)
      - [List business categories](/es/docs/api/reference/whitelabel/listWhitelabelCategories)
      - [List subcategories by category](/es/docs/api/reference/whitelabel/listWhitelabelSubcategories)
      - [Request email or phone confirmation code](/es/docs/api/reference/whitelabel/requestWhitelabelConfirmationCode)
      - [Verify email confirmation code](/es/docs/api/reference/whitelabel/verifyWhitelabelEmail)
      - [Verify phone confirmation code](/es/docs/api/reference/whitelabel/verifyWhitelabelPhone)
    - Webhooks: undefined
      - [Payment state callback](/es/docs/api/reference/webhooks/paymentStateChanged): Cobru sends a POST request to the callback URL provided when creating a payment.
Webhooks are not signed today, so consumers should treat them as notifications and re-check state for sensitive flows.