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Payment Methods

JCV Fitness accepts payments through two major Latin American payment gateways: MercadoPago and Wompi. This guide explains how to pay for your subscription using either method.

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Supported Payment Gateways

JCV Fitness integrates with two secure, PCI DSS-certified payment processors:

MercadoPago

Primary payment method
  • Credit/debit cards
  • Bank transfers
  • Cash payments (Efecty, Baloto)
  • Installment plans available
  • Widely used in Colombia and Latin America

Wompi

Alternative payment method
  • PSE (bank transfers)
  • Nequi
  • Bancolombia QR
  • Credit/debit cards
  • Fast Colombian payment options
Both gateways are secure, encrypted, and compliant with international payment standards. Your financial data is never stored on JCV Fitness servers.

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Pricing in Colombian Pesos (COP)

All JCV Fitness plans are priced in Colombian Pesos:
PlanMonthly PriceFeatures
Básico$49,900 COP7-day meal plan, home workouts, app access, email support
Pro$89,900 COPPersonalized meal plan, gym + home workouts, videos, priority support
Premium$149,900 COPEverything in Pro + 1-on-1 coaching, monthly adjustments, VIP community
Prices are displayed in COP for all payment methods. Your bank may apply currency conversion fees if paying with a foreign card.

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Payment Flow

The payment process is the same regardless of which gateway you choose:
1

Select Your Plan

After completing the wizard or from /pricing:
  1. Review the three plan options
  2. Click “Seleccionar plan” on your chosen tier
  3. The system checks if you’re logged in
2

Create Account or Login

If you’re not logged in:
  • The AuthModal appears
  • Enter your email and password
  • Or use the magic link (passwordless login)
  • New users: Click “Crear cuenta” to register
Step Indicator: You’ll see “Step 1 of 2 - Cuenta” at the top of the modal.
3

Review Checkout

The CheckoutModal opens showing:
  • Selected plan name and features
  • Total amount to pay (in COP)
  • Available payment methods
  • Security badges (SSL, PCI DSS)
Step Indicator: You’ll see “Step 2 of 2 - Pago” at the top.
4

Choose Payment Method

Click one of the payment buttons:
  • “Pagar con Mercado Pago” (blue button)
  • “Pagar con Wompi” (green button, when enabled)
5

Complete Payment

You’ll be redirected to the payment gateway to:
  • Enter payment details
  • Authorize the transaction
  • Wait for confirmation
6

Return to JCV Fitness

After payment, you’re redirected back to:
  • Success: /payment/success - Subscription activates
  • Failure: /payment/failure - Try again
  • Pending: /payment/pending - Wait for confirmation

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Paying with MercadoPago

MercadoPago is the primary payment method for JCV Fitness.

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What is MercadoPago?

MercadoPago is Latin America’s leading payment platform, owned by MercadoLibre. It supports:
  • Credit cards (Visa, Mastercard, Amex, Diners)
  • Debit cards
  • Bank transfers (PSE in Colombia)
  • Cash payments at convenience stores
  • Installment plans (cuotas)

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MercadoPago Payment Process

1

Click MercadoPago Button

In the CheckoutModal, click “Pagar con Mercado Pago” (blue button).
2

Redirect to MercadoPago

You’re taken to MercadoPago’s secure checkout page showing:
  • Item: “Plan JCV Fitness - [Plan Name]”
  • Amount: Total in COP
  • Your email (pre-filled)
3

Select Payment Method

Choose from:Credit/Debit Card:
  • Enter card number, expiration, CVV
  • Cardholder name and ID number
  • Choose installments (if available)
Bank Transfer (PSE):
  • Select your bank
  • Log in to online banking
  • Authorize transfer
Cash Payment:
  • Select Efecty or Baloto
  • Receive payment code
  • Pay at physical location within 3 days
4

Authorize Payment

  • Review the final amount
  • Confirm payment
  • Wait for processing (usually instant)
5

Confirmation

Success:
  • MercadoPago shows “Pago aprobado”
  • You’re redirected to /payment/success
  • Subscription activates immediately
Failure:
  • Error message displayed
  • Redirected to /payment/failure
  • No charge to your account
Pending:
  • Payment is processing
  • You’ll receive email when confirmed
  • Usually confirms within 24 hours

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MercadoPago Testing (Sandbox)

During development or testing, JCV Fitness may use MercadoPago’s sandbox: Test Credit Card:
  • Card: 5031 7557 3453 0604 (Mastercard)
  • Expiration: Any future date
  • CVV: 123
  • Name: APRO (approved) or OTHE (other status)
Test cards only work in sandbox mode. Production uses real payment processing.

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MercadoPago Fees

MercadoPago charges transaction fees (absorbed by JCV Fitness):
  • Credit cards: ~3.99% + fixed fee
  • Debit cards: ~2.99%
  • PSE transfers: ~$900 COP
  • Cash payments: ~$3,000 COP
You pay the displayed price - fees are not passed to customers.

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Paying with Wompi

Wompi is an alternative Colombian payment gateway specializing in local methods.

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What is Wompi?

Wompi is a Colombian payment platform optimized for local payment methods:
  • PSE (Pagos Seguros en Línea) - Direct bank transfers
  • Nequi - Mobile wallet
  • Bancolombia QR - Scan to pay
  • Credit/debit cards
  • Daviplata - Another mobile wallet

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Wompi Payment Process

1

Click Wompi Button

In the CheckoutModal, click “Pagar con Wompi” (green button).
Wompi may be temporarily disabled during beta. If you don’t see the button, use MercadoPago.
2

Wompi Widget Opens

A payment widget appears as an overlay showing:
  • Amount to pay
  • Reference number
  • Available payment methods
3

Select Payment Method

Choose from:PSE (Bank Transfer):
  • Select your bank from dropdown
  • Choose account type (Savings/Checking)
  • Enter personal ID
  • Redirected to bank’s login
  • Authorize payment
Nequi:
  • Enter your Nequi phone number
  • Receive push notification on phone
  • Approve payment in Nequi app
Credit/Debit Card:
  • Enter card details
  • Authorize 3D Secure if required
  • Instant confirmation
Bancolombia QR:
  • Open Bancolombia app
  • Scan QR code displayed
  • Confirm payment in app
4

Payment Processing

  • Wompi processes the transaction
  • Usually instant (cards, Nequi)
  • PSE may take 1-2 hours
5

Return to JCV Fitness

After Wompi confirms:
  • Approved: Subscription activates, redirected to /payment/success
  • Declined: No charge, error message shown
  • Pending: Wait for confirmation email

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Wompi Testing (Sandbox)

Wompi test mode uses special values: Test Card (Approved):
  • Card: 4242 4242 4242 4242 (Visa)
  • Expiration: Any future date
  • CVV: Any 3 digits
Test PSE:
  • Bank: “Banco de Pruebas”
  • Will simulate successful transfer

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Wompi Fees

Wompi transaction fees (absorbed by JCV Fitness):
  • PSE: ~$900 COP + 0.95%
  • Nequi: ~2.49%
  • Cards: ~3.49%
  • QR payments: ~1.95%

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Payment Success

When your payment is approved:

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Immediate Actions

  1. Subscription Created
    • Database record created in subscriptions table
    • Status set to active
    • End date calculated (current date + 1 month)
    • Payment reference stored
  2. Wizard Data Migrated
    • Your wizard responses moved from local storage to database
    • Linked to your user account
    • Used to generate your personalized plans
  3. Welcome Email Sent
    • Confirmation of payment
    • Subscription details
    • Quick links to dashboard and plans
    • Support contact information

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Access Granted

You immediately get:
  • Full dashboard access at /dashboard
  • Meal plan at /plan/alimentacion
  • Workout plan at /plan/ejercicios
  • PDF download at /plan/download
  • Support channels (email, WhatsApp)

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Payment Failure

If your payment is declined:

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Common Reasons

  • Insufficient funds - Check account balance
  • Card declined - Contact your bank
  • Incorrect details - Verify card number, CVV, expiration
  • Bank security block - Bank may block online payments; call to authorize
  • 3D Secure failed - Re-enter OTP or authorization code
  • Expired card - Use different payment method

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What to Do

1

Review Error Message

The payment gateway shows why the payment failed. Common messages:
  • “Tarjeta rechazada” - Card declined
  • “Fondos insuficientes” - Insufficient funds
  • “Datos incorrectos” - Incorrect details
2

Fix the Issue

  • Update payment details
  • Try a different card
  • Use alternative payment method (e.g., PSE instead of card)
  • Contact your bank to authorize the transaction
3

Retry Payment

Return to JCV Fitness and:
  1. Go to /pricing
  2. Select your plan again
  3. Try the payment again with corrected information
4

Contact Support if Needed

If payment keeps failing:
  • WhatsApp: 314 382 64 30
  • Provide: Plan you’re trying to buy, payment method, error message
  • Support can help troubleshoot or offer alternatives
Failed payments do NOT create subscriptions. You won’t be charged, but you also won’t get plan access. You must successfully complete payment to activate.

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Payment Pending

Some payment methods process asynchronously:

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When Payments Pend

  • Cash payments (Efecty, Baloto) - Until you pay at physical location
  • Bank transfers (PSE) - Sometimes takes 1-2 hours to confirm
  • Nequi - If approval takes too long

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What Happens

  1. You see /payment/pending page
  2. Message: “Tu pago está siendo procesado”
  3. You receive transaction ID for reference
  4. Subscription remains inactive until confirmed

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Confirmation

When the payment confirms:
  • Webhook notification sent to JCV Fitness from payment gateway
  • Subscription status updated to active
  • You receive email confirmation
  • Can now access plans
Typical confirmation time:
  • PSE: 1-2 hours
  • Cash: Within 24 hours of paying
  • Nequi: Usually instant, max 10 minutes

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Security & Privacy

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How Your Data is Protected

PCI DSS Compliant

Both MercadoPago and Wompi are PCI DSS Level 1 certified, the highest security standard for payment processors.

SSL Encryption

All payment pages use 256-bit SSL encryption. Your data is encrypted in transit.

No Storage

JCV Fitness never stores your card numbers, CVVs, or banking credentials. Only payment references are saved.

Secure Redirects

Payment forms are hosted by gateways, not JCV Fitness. Your sensitive data never touches our servers.

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What JCV Fitness Stores

After payment, we store:
  • ✅ Payment ID (e.g., mp-123456789)
  • ✅ Payment provider (“mercadopago” or “wompi”)
  • ✅ Amount paid
  • ✅ Payment date
  • ✅ Subscription start/end dates
  • ❌ Card numbers
  • ❌ CVV codes
  • ❌ Bank account details
  • ❌ Passwords or PINs

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Refund Policy

JCV Fitness evaluates refunds case-by-case.

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Eligible for Refund

  • Technical issues preventing plan access
  • Duplicate charges
  • Unauthorized payments
  • Service not as described
Time limit: Refund requests must be made within 7 days of payment.

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How to Request

1

Contact Support

  • WhatsApp: 314 382 64 30
  • Or email through dashboard
2

Provide Details

  • Payment ID (from confirmation email)
  • Reason for refund
  • Screenshots if relevant
3

Review Process

Support reviews your request (1-3 business days).
4

Refund Processed

If approved:
  • Refund initiated through original payment method
  • 5-10 business days to appear in your account
  • Subscription is cancelled
  • Access to plans is revoked
Refunds are processed through the original payment gateway (MercadoPago or Wompi). Timeline depends on your bank.

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Frequently Asked Questions

Credit/debit cards are instant. Nequi and Bancolombia QR are also very fast (under 1 minute). PSE can take 1-2 hours. Cash payments require visiting a physical location.
Yes, both MercadoPago and Wompi accept international Visa and Mastercard. Your bank may charge foreign transaction fees and currency conversion.
MercadoPago offers installments (cuotas) for credit cards. Options depend on your card issuer and amount. Wompi currently doesn’t support installments.
Check your subscription status at /dashboard. If still showing inactive after 24 hours, contact support with your payment ID. We’ll investigate and activate manually if needed.
Subscriptions don’t auto-renew, so you can use a different payment method when you renew next month. There’s no recurring charge to change.
No. Card details are entered on MercadoPago or Wompi’s secure forms. JCV Fitness never sees or stores your full card number.

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Getting Payment Help

For payment-related issues: Have ready:
  • Payment ID or transaction reference
  • Plan you’re trying to purchase
  • Payment method used
  • Error message screenshot (if applicable)
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