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Advance – Adelanta Tu Pago API
Salary-Advance Ledger Integration for Colombia's Earned-Wage Access Platform
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INTRODUCTION
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Earned-wage access is reshaping how Colombian workers interact with their
own pay. Advance – Adelanta Tu Pago, published by Advance your pay
Colombia S.A.S., lets employees draw a portion of already-earned salary
before payday — with no interest — and have the amount deducted from
their next paycheck. With more than 200,000 employees across Colombian
employers using this service, the data it holds is both consistent and
high-value for integrators.
OpenBanking Studio's salary advance API integration gives developers,
HR platforms, and fintech products structured, consented access to the
full advance ledger behind Adelanta Tu Pago: live eligibility, request
history, scheduled advances, repayment deductions, and ancillary spend.
Rather than rebuilding the logic from scratch, integrators reach this
state through a mapped, authorized interface against the worker's
authenticated session — the same surface that drives the app itself.
This page explains what the integration covers, where it applies, and
how to start.
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SUPPORTED API FEATURES
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The Advance – Adelanta Tu Pago integration surfaces the following
capabilities through a clean, normalized interface:
Live Eligibility Lookup
Real-time available-to-advance amount, recomputed as the
employer's monthly or biweekly pay period elapses. Reflects
the per-request cap and the remaining balance at any point
in the cycle.
Advance Request Lifecycle Sync
Full visibility into each advance request: amount, timestamp,
processing status, disbursement reference, and expected
settlement time (reported within one to two hours for funds
reaching the payroll bank account).
Scheduled Advance Access
Read-access to advances programmed for future dates, including
amount, target date, and recurrence settings — enabling
cash-flow forecasting in downstream tools.
Repayment and Deduction Tracking
Per-cycle deduction records showing the amount owed, the
scheduled deduction date, and the settlement state, so
repayment side is never confused with outstanding advances.
Disbursement Event Feed
Transfer confirmation events tied to the worker's payroll
bank account, enabling settlement verification and
reconciliation without polling the advance ledger repeatedly.
Ancillary Spend Stream
Mobile top-ups, data packages, bill payments, streaming
subscriptions, and transit reloads are available as a
separate categorized spend stream alongside advance data —
useful for benefit-budget reporting per cost center.
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USE CASES & APPLICATIONS
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[1] HR and Benefits Platform Enrichment
Display a live "available to advance" figure inside an
existing HR or benefits app without rebuilding the
eligibility logic.
Match the worker and employment profile — employer, pay
cycle, payroll account — into an HR identity record.
Surface scheduled advance dates in a benefits calendar
alongside other payroll events.
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[2] Financial Wellness and Net-Pay Transparency
Reconcile advances and payroll deductions against upcoming
payroll runs to give a worker an accurate net-pay forecast.
Show the difference between disbursed advances and repaid
deductions so workers never face a surprise shortfall.
Combine eligibility data with savings nudges calibrated to
how much of the pay period has elapsed.
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[3] Payroll Reconciliation for Finance Teams
Mirror the deduction schedule from Adelanta Tu Pago into a
company finance ledger for payroll-period close.
Identify in-flight advances not yet deducted so they are not
double-counted as outstanding and repaid simultaneously.
Handle both monthly and biweekly employer pay cycles with
correct per-cycle eligibility modeling.
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[4] Benefit-Budget and Ancillary Spend Reporting
Pull mobile top-ups, bill payments, and subscription spend
per cost center for employer benefit-budget reporting.
Categorize ancillary purchases separately from salary-advance
flows so each stream is counted correctly.
Export spend summaries for specific date ranges aligned with
payroll periods.
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[5] Unified Earned-Wage Access Aggregation
Slot Adelanta Tu Pago beside peer platforms — Minu, Symplifica,
Runa, DailyPay, Branch, Tapcheck, Wagestream, EarnIn, OrbisPay
— through a normalized earned-wage ledger schema.
Build a single integration layer that speaks to multiple
salary-advance providers across Colombia and Latin America.
Use the common schema to compare advance activity across
platforms without per-provider field remapping.
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BENEFITS & ADVANTAGES
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Consented, Scoped Access
Every sync runs against an explicitly authorized employee session.
Access is scoped to the ledger fields the project actually needs,
with consent and access logs retained throughout.
Live Eligibility, Not Stale Snapshots
The available-advance figure recomputes as the pay period elapses.
The integration exposes this moving number, not a balance from the
last payroll close, so dashboards reflect what the worker sees right
now in the app.
No Double-Counting Between Disbursement and Repayment
The sync design holds disbursed advances and pending deductions
apart. An in-flight advance is never simultaneously marked as
outstanding and repaid, and a missed payroll cycle surfaces visibly
rather than being silently dropped.
Both Monthly and Biweekly Cycle Support
Per-employer cycle rules are modeled explicitly so the eligibility
figure matches what the worker sees at any point in the month,
regardless of whether their employer runs monthly or biweekly payroll.
Ancillary Spend Included
Mobile top-ups, data packs, bill pay, streaming subscriptions, and
transit reloads are mapped as a distinct spend stream — available
alongside advance data without requiring a separate integration.
Colombia Open Finance and Habeas Data Alignment
Access is designed against Colombia's Ley 1581 de 2012 (Habeas Data,
supervised by the SIC) and, where the disbursement bank account is
in scope, the open-finance framework under Decreto 1297 de 2022.
Data is minimized and ancillary detail is only pulled when the use
case requires it.
Drift-Resistant Maintenance
A built-in re-check step flags changed endpoints or fields after
front-end releases, so the integration is corrected before downstream
reports go wrong — not after.
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SUBSCRIPTION PLANS
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OpenBanking Studio offers two engagement models for the Advance –
Adelanta Tu Pago integration:
Source-Code Delivery
From $300, billed only after delivery once you are satisfied.
Includes runnable source in Python and Node.js, an OpenAPI/
Swagger spec, a normalized schema, automated tests for the
advance lifecycle and repayment-reconciliation case, and
interface documentation with consent guidance written against
Colombia's Habeas Data regime. Delivered on a one-to-two-week
cycle.
Hosted API (Pay-Per-Call)
Call OpenBanking Studio's endpoints directly and pay per call,
with nothing upfront. Suited to teams that want to integrate
the advance ledger without managing the protocol layer.
Consented access — via a consenting employee account or an
employer test account — is arranged with you during onboarding
for either option.
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CONCLUSION
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Advance – Adelanta Tu Pago holds one of the most complete earned-wage
access ledgers in the Colombian market: live eligibility, advance
requests, scheduled draws, repayment deductions, disbursement events,
and ancillary spend — all on a single authenticated surface, consistent
across a workforce of more than 200,000 employees.
For any platform that needs to show a worker their true available pay,
reconcile advances against payroll deductions, or aggregate salary-
advance data across multiple providers in Latin America, integrating
this ledger is a high-value, well-scoped project with a clear delivery
path.
Send the app name and what you need from its data through the contact
page to start. Consented access is arranged during onboarding and the
integration is proven against real responses before delivery.
Full integration details, data-domain mapping, engineering notes, and
pricing are published at:
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2026 OpenBanking Studio — authorized interface integration and API
delivery. Advance – Adelanta Tu Pago and Advance your pay Colombia
S.A.S. are independent of this studio; this page maps integration
options and implies no affiliation or endorsement.
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