Kushki Payouts API

openapi: 3.1.0
info:
  title: Kushki Payouts API
  description: |
    Disburse funds to bank accounts, cards, and cash pickup networks across LatAm.
    Supports single payouts, batch upload, and country-specific compliance metadata
    (RUT, RFC, CURP, RUC, CPF, NIT).
  version: "1.0.0"
  contact:
    name: Kushki
    url: https://kushkipagos.com/
    email: dev@kushkipagos.com
servers:
  - url: https://api.kushkipagos.com
    description: Production
  - url: https://api-uat.kushkipagos.com
    description: UAT / Sandbox
security:
  - PrivateMerchantId: []
tags:
  - name: Payouts
    description: Single and batch disbursements
paths:
  /payouts/transfer/v1/init:
    post:
      summary: Kushki Initialize Payout
      description: Initialize a single payout to a beneficiary bank account.
      operationId: initPayout
      tags:
        - Payouts
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PayoutInitRequest'
            example:
              beneficiaryName: Maria Lopez
              documentType: RUT
              documentNumber: "12345678-9"
              bankCode: "0012"
              accountType: SAVINGS
              accountNumber: "0001234567"
              email: maria@example.com
              amount:
                value: 150000
                currency: CLP
              description: Marketplace payout May
      responses:
        '200':
          description: Payout initialized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PayoutResponse'
        '4XX':
          $ref: '#/components/responses/ErrorResponse'
  /payouts/transfer/v1/payouts/{payoutId}:
    get:
      summary: Kushki Get Payout
      description: Retrieve the current status of a payout.
      operationId: getPayout
      tags:
        - Payouts
      parameters:
        - name: payoutId
          in: path
          required: true
          schema: { type: string }
      responses:
        '200':
          description: Payout
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PayoutResponse'
  /payouts/transfer/v1/batch:
    post:
      summary: Kushki Create Payout Batch
      description: Create a batch of payouts. Accepts up to 1000 payouts per batch.
      operationId: createPayoutBatch
      tags:
        - Payouts
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required: [batchName, payouts]
              properties:
                batchName: { type: string }
                payouts:
                  type: array
                  maxItems: 1000
                  items:
                    $ref: '#/components/schemas/PayoutInitRequest'
      responses:
        '200':
          description: Batch accepted
          content:
            application/json:
              schema:
                type: object
                properties:
                  batchId: { type: string }
                  accepted: { type: integer }
                  rejected: { type: integer }
components:
  securitySchemes:
    PrivateMerchantId:
      type: apiKey
      in: header
      name: Private-Merchant-Id
  schemas:
    PayoutInitRequest:
      type: object
      required: [beneficiaryName, documentNumber, accountNumber, amount]
      properties:
        beneficiaryName: { type: string }
        documentType:
          type: string
          enum: [CC, NIT, CE, DNI, RUT, CURP, RFC, RUC, CPF, CNPJ]
        documentNumber: { type: string }
        bankCode: { type: string }
        accountType:
          type: string
          enum: [SAVINGS, CHECKING, VISTA, ELECTRONIC]
        accountNumber: { type: string }
        email: { type: string, format: email }
        phoneNumber: { type: string }
        amount:
          type: object
          required: [value, currency]
          properties:
            value: { type: number }
            currency: { type: string, enum: [USD, COP, PEN, CLP, MXN, BRL] }
        description: { type: string }
        metadata: { type: object, additionalProperties: true }
    PayoutResponse:
      type: object
      properties:
        payoutId: { type: string }
        status:
          type: string
          enum: [INITIALIZED, PROCESSING, COMPLETED, REJECTED, RETURNED]
        rail:
          type: string
          enum: [ACH, PSE, SPEI, PIX, WEBPAY_TRANSF, INTRA_BANK]
        amount:
          type: object
          properties:
            value: { type: number }
            currency: { type: string }
        responseText: { type: string }
        completedAt: { type: string, format: date-time }
    Error:
      type: object
      properties:
        code: { type: string }
        message: { type: string }
  responses:
    ErrorResponse:
      description: Error
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'