Calculadora de Comisiones Wompi Colombia
Calcula las deducciones exactas en Wompi para cobros con tarjetas de crédito, PSE, Botón Bancolombia y Nequi. Tarifa estándar: 2.65% + $700 COP (+19% IVA).
Los retiros a cuentas Bancolombia no tienen ningún costo adicional y se abonan automáticamente de lunes a viernes.
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
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Tabla de Comisiones Wompi en Montos Frecuentes (Colombia 2026)
Deducción exacta de comisión base (2.65% + $700 COP), IVA DIAN (19%) y abono bancario neto para ventas digitales:
| Valor Venta | Comisión Base | IVA Comisión (19%) | Deducción Total | Tu Abono Bancolombia | Para Recibir Neto |
|---|---|---|---|---|---|
| $50.000 COP | -$2.025,00 COP | -$384,75 COP | -$2.409,75 COP (4.82%) | $47.590,25 COP | $52.489 COP |
| $100.000 COP | -$3.350,00 COP | -$636,50 COP | -$3.986,50 COP (3.99%) | $96.013,50 COP | $104.117 COP |
| $250.000 COP | -$7.325,00 COP | -$1.391,75 COP | -$8.716,75 COP (3.49%) | $241.283,25 COP | $259.003 COP |
| $500.000 COP | -$13.950,00 COP | -$2.650,50 COP | -$16.600,50 COP (3.32%) | $483.399,50 COP | $517.146 COP |
| $1.000.000 COP | -$27.200,00 COP | -$5.168,00 COP | -$32.368,00 COP (3.24%) | $967.632,00 COP | $1.033.433 COP |
Arquitectura de Comisiones Wompi Bancolombia (2026)
Wompi es la pasarela financiera desarrollada por Bancolombia para el ecosistema de comercio electrónico en Colombia. Su estructura de costos combina una tasa proporcional y un costo transaccional fijo:
Tarifa estándar para tarjetas de crédito nacionales, internacionales y débito bancario PSE en planes agregadores.
Por disposición de la DIAN, el servicio de adquirencia e intermediación financiera causa IVA sobre la tarifa cobrada por la pasarela.
Pagos directos a través del Botón Bancolombia y transferencias Nequi disfrutan de un descuento preferencial en la comisión porcentual.
Derivación de Gross-Up para Recibir el Monto Exacto en COP
Debido a que Wompi descuenta tanto un porcentaje como un valor fijo ($700 COP) más el 19% de IVA, la fórmula de precio de venta requiere despejar algebraicamente ambos factores:
Para recibir exactamente $100.000 COP limpios en tu cuenta bancaria: ($100.000 + $833,00) / (1 - 0.031535) = $104.117 COP. Al procesar $104.117 COP, la deducción total de Wompi es de $4.117 COP, dejándote exactamente los $100.000 COP íntegros.
4 Protocolos de Rentabilidad para Comercios con Wompi en Colombia
Aplica estos criterios operativos para reducir costos de pasarela y mejorar tus márgenes netos:
Las transferencias y dispersiones diarias a cuentas dentro del Grupo Bancolombia tienen un costo de $0 COP. Si transfieres a otros bancos mediante ACH, incurres en comisiones interbancarias adicionales.
En Colombia, los débitos por PSE y transferencias de app tienen una tasa de contracargos y fraudes virtualmente nula frente a tarjetas de crédito de alto riesgo.
Descarga tus certificados bimestrales y anuales de retención tributaria en la plataforma de Wompi para cruzarlos como saldos a favor en tus declaraciones fiscales de renta e IVA.
El widget embebido de Wompi reduce el abandono de carrito hasta en un 18% al permitir checkout rápido sin redireccionar al cliente a interfaces bancarias externas complejas.
Wompi vs Bold vs PayU en Colombia ($100.000 COP)
| Pasarela de Pagos | Tarifa Base | Total Descuento con IVA | Abono Neto | Integración Nequi / Bancolombia |
|---|---|---|---|---|
| Wompi Bancolombia | 2.65% + $700 COP | $3.986,50 COP | $96.013,50 COP | Nativa y Directa |
| Bold.co | 2.99% + $900 COP | $4.629,10 COP | $95.370,90 COP | Datáfono e intermediación |
| PayU Colombia | 3.49% + $900 COP | $5.224,10 COP | $94.775,90 COP | Estándar PSE |
Preguntas Frecuentes sobre las Tarifas de Wompi Bancolombia
What are Wompi (Bancolombia) merchant fees in Colombia for 2026? ▾
Wompi charges differentiated rates by payment method: Bancolombia transfer and Nequi at 2.65% + $700 COP + IVA; standard credit cards (Visa, Mastercard, Amex) at 2.89% + $900 COP + IVA; and flat PSE bank debits at approximately $2,500 COP.
How does 19% Colombian IVA apply to Wompi processing fees? ▾
In Colombia, statutory 19% IVA is levied on Wompi's service fee. For example, on a $100,000 COP transaction with a 2.65% + $700 COP fee ($3,350 COP base fee), the 19% IVA is $636.50 COP, totaling $3,986.50 COP in total gateway deductions.
How do statutory tax withholdings (Retefuente, ReteIVA, ReteICA) apply to Wompi payouts? ▾
Under DIAN regulations, Wompi withholds taxes at the source for registered Colombian corporate entities: Retefuente (1.5% on pre-tax sales value), ReteIVA (15% of the 19% IVA), and municipal ReteICA (0.414% to 1.104% in Bogotá/Medellín). These serve as tax credits against your annual corporate tax return.
Why is Wompi advantageous for merchants with Bancolombia accounts? ▾
Because Wompi is Bancolombia's native digital gateway, funds settle automatically into Bancolombia checking or savings accounts on an automated daily schedule with $0 transfer withdrawal fees.
What payment methods are supported through Wompi checkout? ▾
Wompi supports credit and debit cards, PSE (all 25+ Colombian banks), Nequi, Bancolombia QR, and cash vouchers via Corresponsales Bancarios Bancolombia.
How does Wompi compare to Bold and PayU in Colombia? ▾
Wompi offers the cheapest native rates for Bancolombia transfers and Nequi (2.65%). Bold is the market leader for portable physical datáfonos (2.99% + $900 COP). PayU charges 3.49% + $900 COP with wider multi-country Latin American payout options.
What are Wompi's chargeback dispute policies? ▾
Wompi provides an online dispute dashboard where merchants have 3 to 5 business days to upload delivery receipts and customer communication. Direct PSE and Nequi transfers are irrevocable with zero chargeback risk.
How do I calculate what to invoice on Wompi to clear $200,000 COP net via credit card? ▾
Effective credit card fee is 2.89% + $900 COP plus 19% IVA on fee (= 3.439% + $1,071 COP). Invoice Amount = ($200,000 + $1,071) / (1 - 0.03439) = $201,071 / 0.96561 = $208,232 COP.
Wompi vs Bold: ¿Cuál pasarela te deja más dinero neto?
Compara tarifas de datáfono, cobros con PSE y transferencias a Bancolombia en 2026.
Verified Methodology & Primary Legal Sources 2026 Audit
All calculation logic, statutory caps, and tax models are cross-referenced with official merchant agreements.