Yappy Payments

CifraHQ integrates with Yappy, Panama's mobile payment network, in two complementary ways:

• Reconciliation pulls the Yappy payments you receive into CifraHQ, suggests which invoice each one belongs to, and posts the customer payment for you.
• Pay with Yappy turns a posted invoice into a Yappy payment link so your customer pays from their phone, and the payment records itself.

You can use either half on its own, or both together.

Part 1 - Reconciliation

Reconciliation answers a simple question: money arrived in our Yappy account, which invoice was it for? CifraHQ connects to Yappy's Commerce Integration API, lists every payment you received, and helps you tie each one to the right invoice.

Enabling reconciliation

Go to Configure > Payment Integrations > Yappy (/settings/yappy) and fill in the credentials from Yappy Comercial.

In Yappy Comercial, open Integraciones > Generar Credenciales. That screen issues three values - copy all three:

Then set:

Click Validate credentials. A green "Yappy session opened successfully" confirms the connection. If you see an error, re-check the three credentials - the most common mistake is pasting the Secret Key into the Seed Code field or vice versa.

The review queue

Go to Sales > Yappy review (/sales/yappy-review) to see every Yappy payment that has not yet been tied to an invoice.

Click Reconcile now to pull the latest payments immediately (the system also does this automatically on a schedule). Each payment lands in the queue with the payer's name, phone alias, amount, and date.

Smart matching

CifraHQ suggests the most likely match for every payment. The Suggested match column shows one of three confidence levels:

The suggestion engine matches on the payer's phone number against your customer records, the payer's name, the exact amount, the invoice code if it appears in the payment description, and a learning loop: once you confirm which customer a phone number belongs to, future payments from that number rank that customer first.

Apply vs. Reconcile

When you open a payment in the match panel, you choose between two outcomes depending on how your business works:

• Apply - the invoice is still open. CifraHQ posts a new customer payment against it, exactly as if you had keyed the payment yourself.
• Reconcile - you already recorded the payment manually in CifraHQ when the money arrived. This simply links the Yappy charge to that existing payment for your Audit Trail, with no Accounting impact.

The match panel shows Open Invoices (for Apply) and Recorded payments (for Reconcile) side by side, each with the reasons it matched, plus a manual search box for either if the suggestions miss.

Accepting exact matches in bulk

The Accept exact matches button in the header handles every green "Exact" suggestion at once. It opens a preview listing exactly what will happen for each payment - Apply or Reconcile, against which invoice or payment - with checkboxes so you can exclude any. Nothing is posted until you click Execute selected, and each row is re-checked at execution so a stale preview can never post against the wrong invoice.

Ignoring a payment

If a payment is not a customer receivable (a refund, a test, an unrelated transfer), open its row menu and choose Ignore to remove it from the queue without posting anything.

Part 2 - Pay with Yappy

Pay with Yappy lets your Customers settle an invoice from their phone. It is configured as a Payment Broker, not on the settings page above.

1. Create a Yappy payment broker in Master Data > Sales > Payment Brokers (see Payment Brokers for the full field list).
2. Once the broker exists and the customer is eligible, every posted invoice automatically gets a pay link.
3. When the customer opens the link they land on a hosted page with the official Pay with Yappy button. They approve the payment in their Yappy app, and Yappy confirms it back to CifraHQ, which posts the payment against the invoice automatically.

A customer can be offered Yappy alongside a card gateway like Stripe - if more than one option is available, the customer chooses how to pay on a simple checkout page. See Payment Brokers for how that works.

The Yappy Reconciliation report

For a printable summary, go to Reports > Operations Reports > Accountants > Yappy Reconciliation. With the standard date-range filter it shows:

• KPI tiles: total reconciled in the period, auto-posted, Yappy fees, and amount still pending review.
• Reconciled in period - every Yappy charge that was resolved, with how it was resolved (auto-posted, manually applied, or reconciled to an existing payment), the invoice, customer, and payment.
• Pending review - charges still waiting in the review queue.

Related: Payment Brokers - Invoice Payments - Invoices - Payment Methods