Home Providers Kushki
Kushki
Kushki is an Ecuador-headquartered LatAm fintech operating as a regional non-banking acquirer for the Andean and Pacific Alliance markets — Ecuador, Colombia, Peru, Chile, Mexico, and Brazil. The Kushki API unifies card payments, scheduled and one-click subscriptions, bank transfers (PSE, Webpay Transferencia, SPEI, PIX), cash vouchers (OXXO, PagoEfectivo, Boleto), payouts/dispersions, and card-present (Kushki One POS) behind a single REST surface. Authentication is split across a Public-Merchant-Id (used in the browser to tokenize cards) and a Private-Merchant-Id (used server-side to charge). PCI DSS Level 1, 3DS 2.0, multi-layer anti-fraud, hosted fields, Kajita payment forms, Smartlinks, and e-commerce plugins (Shopify, VTEX, WooCommerce, Magento, PrestaShop) round out the platform.
Kushki publishes 11 APIs on the APIs.io network, including Subscriptions API, Payouts API, Branches API, and 8 more. Tagged areas include Payments, LatAm, Andean Region, Card Payments, and Subscriptions.
The Kushki catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.
Kushki’s developer surface includes authentication, developer portal, documentation, API reference, getting-started guide, support, developer console, and 26 more developer resources.
12 APIs24 Features10 Use Cases
Payments LatAm Andean Region Card Payments Subscriptions Cash Bank Transfers Payouts PSE Webpay SPEI PIX OXXO PagoEfectivo Fintech Ecuador Colombia Peru Chile Mexico Brazil
On this page
Kin Score
APIs 12
Open Collections 7
Pricing Plans 1
Rate Limits 1
FinOps 1
Features 24
Vocabularies 1
Spectral Rules 2
JSON Schema 4
Examples 6
Security Posture 2
Agentic Access 1
Use Cases 10
Integrations 15
Resources 35
apis.yml
21 Operational Transparency
Composite quality — 53.7/100 · developing
Contract Quality 18.4 / 25
Developer Ergonomics 14.8 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 2.7 / 13
Agent readiness — 34/100 · agent aware
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Individual APIs this provider publishes, each with its own machine-readable definition.
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Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
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Published pricing tiers and plan structures.
Documented rate limits and quota policies.
Cost, billing, and metering signals for API financial operations.
Notable capabilities this provider offers.
Regional non-banking acquirer covering Ecuador, Colombia, Peru, Chile, Mexico, and Brazil from a single integration
Card tokenization via Kushki.js Hosted Fields, iOS SDK, and Android SDK (PAN never touches the merchant server)
One-step charge and two-step pre-authorization + capture for card-not-present transactions
Deferred / installment payments with merchant-defined months and rate-of-interest
Webpay Plus, Webpay OneClick, and Webpay Transferencia integration on the Chilean rail
3DS 1.0 and 3DS 2.0 issuer authentication, with liability shift handling
Apple Pay support on card-present and card-not-present
PSE bank-transfer flow for Colombia, SPEI for Mexico, PIX for Brazil
Cash voucher generation for OXXO, 7-Eleven, PagoEfectivo, Boleto, and regional correspondent networks
Card-Present POS via Kushki One terminals and the Raw Card Present API with encryption envelope
Payouts (dispersions) to bank accounts, cards, and cash pickup with batch upload and country compliance metadata
Scheduled and one-click subscriptions with monthly / weekly / quarterly / yearly periodicity
Smartlinks shareable payment links for chat, SMS, email, and social channels
Kajita customizable hosted payment form
Payment button hosted redirect flow
Branch / sucursal management for marketplaces, franchises, and aggregators
Webhook notifications with signed payloads, retry policy, and exponential backoff
4+ layer anti-fraud stack (Sift Science, in-house rules, 3DS, velocity checks, behavioural signals)
PCI DSS Level 1 compliance and PCI-compliant Hosted Fields JS library
E-commerce plugins for Shopify, VTEX, WooCommerce, Magento, and PrestaShop
Official SDKs for PHP, iOS (Swift, INTEL + ARM processors), and Android (Kotlin)
UAT sandbox at api-uat.kushkipagos.com with documented test card numbers
Public/private merchant key authentication model (Public-Merchant-Id, Private-Merchant-Id headers)
Status page at status.kushkipagos.com and support knowledge base at soporte.kushkipagos.com
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JSON-LD contexts and semantic vocabularies used across these APIs.
Spectral governance rulesets for linting and validating these APIs.
Standalone JSON Schema definitions for this provider's data models.
Example request and response payloads for these APIs.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Recommended x-agentic-access execution contracts for AI agents.
What developers build with this provider.
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Pre-built integrations with other platforms and tools.
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Get Started 4
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 2
Pagination, idempotency, versioning, errors, and events
Build 12
SDKs, sample code, and the tooling you integrate with
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Access & Security 3
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 3
Properties that don't map to a standard resource type
Source (apis.yml)
aid: kushki
url: https://raw.githubusercontent.com/api-evangelist/kushki/refs/heads/main/apis.yml
apis:
- aid: kushki:kushki-subscriptions-api
name: Kushki Subscriptions API
tags:
- Subscriptions
- Recurring Payments
- Payments
- One Click
humanURL: https://docs.kushki.com/
baseURL: https://api.kushkipagos.com
properties:
- url: https://docs.kushki.com/
type: Documentation
- url: openapi/kushki-subscriptions-api-openapi.yml
type: OpenAPI
- url: json-schema/kushki-subscription-schema.json
type: JSONSchema
description: Create, update, retrieve, charge, and cancel scheduled card subscriptions and one-click recurring payments.
Plans support monthly, weekly, daily, biweekly, quarterly, and yearly periodicity, fixed or variable amounts, start/end
dates, contact details, and Webpay OneClick on the Chile rail.
- aid: kushki:kushki-payouts-api
name: Kushki Payouts API
tags:
- Payouts
- Dispersions
- Bank Transfers
- Mass Payments
humanURL: https://docs.kushki.com/
baseURL: https://api.kushkipagos.com
properties:
- url: https://docs.kushki.com/
type: Documentation
- url: openapi/kushki-payouts-api-openapi.yml
type: OpenAPI
description: Disburse funds to suppliers, partners, payroll, marketplace sellers, and refunds via bank transfer, card push,
or cash pickup. Supports same-day and standard rails, batch upload, and country-specific compliance metadata (RUT, RFC,
CURP, RUC, CPF).
- aid: kushki:kushki-webhooks
name: Kushki Webhooks
tags:
- Webhooks
- Notifications
- Events
humanURL: https://docs.kushki.com/
properties:
- url: https://docs.kushki.com/
type: Documentation
- url: json-schema/kushki-webhook-event-schema.json
type: JSONSchema
description: Real-time event notifications for approved, declined, voided, refunded, and captured transactions across every
product (card, transfer, cash, subscription, payout). Webhooks ship a signed JSON payload, include retry with exponential
backoff, and target merchant-configured endpoints managed in the Kushki Console.
- aid: kushki:kushki-branches-api
name: Kushki Branches API
description: Branch / sucursal management
humanURL: https://docs.kushki.com/
baseURL: https://api.kushkipagos.com
tags:
- Branches
properties:
- type: OpenAPI
url: openapi/kushki-branches-api-openapi.yml
- type: Documentation
url: https://docs.kushki.com/
- type: APIReference
url: https://api-docs.kushkipagos.com/api-reference
- type: JSONSchema
url: json-schema/kushki-charge-schema.json
- type: JSONSchema
url: json-schema/kushki-token-schema.json
- type: JSONLD
url: json-ld/kushki-context.jsonld
- aid: kushki:kushki-card-present-charges-api
name: Kushki Card Present Charges API
description: Sale, void, and settlement for card-present
humanURL: https://docs.kushki.com/
baseURL: https://api.kushkipagos.com
tags:
- Card Present Charges
properties:
- type: OpenAPI
url: openapi/kushki-card-present-charges-api-openapi.yml
- type: Documentation
url: https://docs.kushki.com/
- type: APIReference
url: https://api-docs.kushkipagos.com/api-reference
- type: JSONSchema
url: json-schema/kushki-charge-schema.json
- type: JSONSchema
url: json-schema/kushki-token-schema.json
- type: JSONLD
url: json-ld/kushki-context.jsonld
- aid: kushki:kushki-cash-api
name: Kushki Cash API
description: Cash voucher generation and lookup
humanURL: https://docs.kushki.com/
baseURL: https://api.kushkipagos.com
tags:
- Cash
properties:
- type: OpenAPI
url: openapi/kushki-cash-api-openapi.yml
- type: Documentation
url: https://docs.kushki.com/
- type: APIReference
url: https://api-docs.kushkipagos.com/api-reference
- type: JSONSchema
url: json-schema/kushki-charge-schema.json
- type: JSONSchema
url: json-schema/kushki-token-schema.json
- type: JSONLD
url: json-ld/kushki-context.jsonld
- aid: kushki:kushki-charges-api
name: Kushki Charges API
description: Direct charge against a previously created card token
humanURL: https://docs.kushki.com/
baseURL: https://api.kushkipagos.com
tags:
- Charges
properties:
- type: OpenAPI
url: openapi/kushki-charges-api-openapi.yml
- type: Documentation
url: https://docs.kushki.com/
- type: APIReference
url: https://api-docs.kushkipagos.com/api-reference
- type: JSONSchema
url: json-schema/kushki-charge-schema.json
- type: JSONSchema
url: json-schema/kushki-token-schema.json
- type: JSONLD
url: json-ld/kushki-context.jsonld
- aid: kushki:kushki-pre-authorization-api
name: Kushki Pre-Authorization API
description: Two-step authorize + capture flow
humanURL: https://docs.kushki.com/
baseURL: https://api.kushkipagos.com
tags:
- Pre-Authorization
properties:
- type: OpenAPI
url: openapi/kushki-pre-authorization-api-openapi.yml
- type: Documentation
url: https://docs.kushki.com/
- type: APIReference
url: https://api-docs.kushkipagos.com/api-reference
- type: JSONSchema
url: json-schema/kushki-charge-schema.json
- type: JSONSchema
url: json-schema/kushki-token-schema.json
- type: JSONLD
url: json-ld/kushki-context.jsonld
- aid: kushki:kushki-terminals-api
name: Kushki Terminals API
description: Kushki One terminal management
humanURL: https://docs.kushki.com/
baseURL: https://api.kushkipagos.com
tags:
- Terminals
properties:
- type: OpenAPI
url: openapi/kushki-terminals-api-openapi.yml
- type: Documentation
url: https://docs.kushki.com/
- type: APIReference
url: https://api-docs.kushkipagos.com/api-reference
- type: JSONSchema
url: json-schema/kushki-charge-schema.json
- type: JSONSchema
url: json-schema/kushki-token-schema.json
- type: JSONLD
url: json-ld/kushki-context.jsonld
- aid: kushki:kushki-tokens-api
name: Kushki Tokens API
description: Card tokenization (client-side via Kushki.js, returns a one-time transactionToken)
humanURL: https://docs.kushki.com/
baseURL: https://api.kushkipagos.com
tags:
- Tokens
properties:
- type: OpenAPI
url: openapi/kushki-tokens-api-openapi.yml
- type: Documentation
url: https://docs.kushki.com/
- type: APIReference
url: https://api-docs.kushkipagos.com/api-reference
- type: JSONSchema
url: json-schema/kushki-charge-schema.json
- type: JSONSchema
url: json-schema/kushki-token-schema.json
- type: JSONLD
url: json-ld/kushki-context.jsonld
- aid: kushki:kushki-transfer-api
name: Kushki Transfer API
description: Bank-rail transfer charges
humanURL: https://docs.kushki.com/
baseURL: https://api.kushkipagos.com
tags:
- Transfer
properties:
- type: OpenAPI
url: openapi/kushki-transfer-api-openapi.yml
- type: Documentation
url: https://docs.kushki.com/
- type: APIReference
url: https://api-docs.kushkipagos.com/api-reference
- type: JSONSchema
url: json-schema/kushki-charge-schema.json
- type: JSONSchema
url: json-schema/kushki-token-schema.json
- type: JSONLD
url: json-ld/kushki-context.jsonld
- aid: kushki:kushki-voids-and-refunds-api
name: Kushki Voids and Refunds API
description: Void or refund a previously captured charge
humanURL: https://docs.kushki.com/
baseURL: https://api.kushkipagos.com
tags:
- Voids and Refunds
properties:
- type: OpenAPI
url: openapi/kushki-voids-and-refunds-api-openapi.yml
- type: Documentation
url: https://docs.kushki.com/
- type: APIReference
url: https://api-docs.kushkipagos.com/api-reference
- type: JSONSchema
url: json-schema/kushki-charge-schema.json
- type: JSONSchema
url: json-schema/kushki-token-schema.json
- type: JSONLD
url: json-ld/kushki-context.jsonld
name: Kushki
tags:
- Payments
- LatAm
- Andean Region
- Card Payments
- Subscriptions
- Cash
- Bank Transfers
- Payouts
- PSE
- Webpay
- SPEI
- PIX
- OXXO
- PagoEfectivo
- Fintech
- Ecuador
- Colombia
- Peru
- Chile
- Mexico
- Brazil
kind: contract
accessModel:
pricing: unknown
onboarding: self-serve
trial: false
try_now: false
public: false
label: Self-serve signup
confidence: high
source:
- plans
- authentication
generated: '2026-07-22'
method: derived
image: https://kushki-cdn-production.s3.amazonaws.com/docs/Logo+Kushki+3+Horizontal+White+2019+08.png
access: 3rd-Party
common:
- type: AgenticAccess
url: agentic-access/kushki-agentic-access.yml
- type: DomainSecurity
url: security/kushki-domain-security.yml
- type: Authentication
url: authentication/kushki-authentication.yml
- type: Portal
url: https://kushkipagos.com/
- type: Documentation
url: https://docs.kushki.com/
- type: APIReference
url: https://api-docs.kushkipagos.com/api-reference
- type: GettingStarted
url: https://docs.kushki.com/
- type: Support
url: https://soporte.kushkipagos.com/
- type: StatusPage
url: https://status.kushkipagos.com/
- type: GitHubOrganization
url: https://github.com/Kushki
- type: SDKs
url: https://github.com/Kushki/kushki-php
name: PHP SDK
- type: SDKs
url: https://github.com/Kushki/kushki-android
name: Android SDK (Kotlin)
- type: SDKs
url: https://github.com/Kushki/kushki-ios
name: iOS SDK (Swift)
- type: SDKs
url: https://github.com/Kushki/kushki-ios-intel
name: iOS SDK INTEL processor
- type: SDKs
url: https://github.com/Kushki/kushki-ios-arm
name: iOS SDK ARM processor
- type: Plugin
url: https://github.com/Kushki/kushki-woocommerce
name: WooCommerce Plugin
- type: Plugin
url: https://github.com/Kushki/kushki-magento
name: Magento Plugin
- type: Plugin
url: https://github.com/Kushki/kushki-prestashop
name: PrestaShop Plugin
- type: Plugin
url: https://github.com/Kushki/kushki-vtex
name: VTEX Plugin
- type: Samples
url: https://github.com/Kushki/kushki-backend-examples
name: Backend Examples (Node.js)
- type: Samples
url: https://github.com/Kushki/kushki-demo-php
name: PHP Demo App
- type: Docker
url: https://github.com/Kushki/kushki-docker
name: Kushki Public Docker Images
- type: Console
url: https://uat-console.kushkipagos.com/
name: UAT Console
- type: Console
url: https://console.kushkipagos.com/
name: Production Console
- type: LinkedIn
url: https://www.linkedin.com/company/kushki/
- type: Twitter
url: https://twitter.com/kushkipagos
- type: Authentication
url: https://docs.kushki.com/
name: Public-Merchant-Id / Private-Merchant-Id headers
- type: Environments
data:
- id: production
name: Production
baseUrl: https://api.kushkipagos.com
- id: uat
name: UAT / Sandbox
baseUrl: https://api-uat.kushkipagos.com
- id: staging
name: Staging
baseUrl: https://api-stg.kushkipagos.com
- type: Regions
data:
- country: Ecuador
currencies:
- USD
rails:
- Card
- Cash
- Transfer
- Payout
- country: Colombia
currencies:
- COP
rails:
- Card
- PSE
- Cash
- Payout
- country: Peru
currencies:
- PEN
- USD
rails:
- Card
- Cash (PagoEfectivo)
- Transfer
- Payout
- country: Chile
currencies:
- CLP
rails:
- Card (Webpay)
- Webpay OneClick
- Webpay Transferencia
- Payout
- country: Mexico
currencies:
- MXN
- USD
rails:
- Card
- SPEI
- Cash (OXXO/7-Eleven)
- Payout
- country: Brazil
currencies:
- BRL
rails:
- Card
- PIX
- Boleto
- Payout
- type: Features
data:
- Regional non-banking acquirer covering Ecuador, Colombia, Peru, Chile, Mexico, and Brazil from a single integration
- Card tokenization via Kushki.js Hosted Fields, iOS SDK, and Android SDK (PAN never touches the merchant server)
- One-step charge and two-step pre-authorization + capture for card-not-present transactions
- Deferred / installment payments with merchant-defined months and rate-of-interest
- Webpay Plus, Webpay OneClick, and Webpay Transferencia integration on the Chilean rail
- 3DS 1.0 and 3DS 2.0 issuer authentication, with liability shift handling
- Apple Pay support on card-present and card-not-present
- PSE bank-transfer flow for Colombia, SPEI for Mexico, PIX for Brazil
- Cash voucher generation for OXXO, 7-Eleven, PagoEfectivo, Boleto, and regional correspondent networks
- Card-Present POS via Kushki One terminals and the Raw Card Present API with encryption envelope
- Payouts (dispersions) to bank accounts, cards, and cash pickup with batch upload and country compliance metadata
- Scheduled and one-click subscriptions with monthly / weekly / quarterly / yearly periodicity
- Smartlinks shareable payment links for chat, SMS, email, and social channels
- Kajita customizable hosted payment form
- Payment button hosted redirect flow
- Branch / sucursal management for marketplaces, franchises, and aggregators
- Webhook notifications with signed payloads, retry policy, and exponential backoff
- 4+ layer anti-fraud stack (Sift Science, in-house rules, 3DS, velocity checks, behavioural signals)
- PCI DSS Level 1 compliance and PCI-compliant Hosted Fields JS library
- E-commerce plugins for Shopify, VTEX, WooCommerce, Magento, and PrestaShop
- Official SDKs for PHP, iOS (Swift, INTEL + ARM processors), and Android (Kotlin)
- UAT sandbox at api-uat.kushkipagos.com with documented test card numbers
- Public/private merchant key authentication model (Public-Merchant-Id, Private-Merchant-Id headers)
- Status page at status.kushkipagos.com and support knowledge base at soporte.kushkipagos.com
sources:
- https://kushkipagos.com/
- https://docs.kushki.com/
- https://api-docs.kushkipagos.com/api-reference
- https://github.com/Kushki
updated: '2026-05-24'
- type: UseCases
data:
- LatAm e-commerce checkout with card, cash, and bank transfer in one integration
- Marketplace payouts to sellers across Andean and Pacific Alliance countries
- SaaS subscription billing with one-click recurring payments
- Cross-border ride-hailing, food-delivery, and gig-economy disbursements
- Omnichannel retail combining Kushki One POS with e-commerce checkout
- Cash-first commerce in markets where cash share remains >40% of consumer payments
- Franchise and multi-branch sub-merchant management for regional brands
- PIX-first checkout in Brazil with card fallback
- PSE bank-transfer integration for Colombian high-ticket purchases
- SPEI mass payouts in Mexico for marketplace sellers
- type: Integrations
data:
- Shopify
- VTEX
- WooCommerce
- Magento
- PrestaShop
- Webpay (Transbank)
- Apple Pay
- Sift Science (anti-fraud)
- PIX (Banco Central do Brasil)
- SPEI (Banco de México)
- PSE (ACH Colombia)
- OXXO
- 7-Eleven
- PagoEfectivo
- Boleto Bancário
- type: Plans
url: plans/kushki-plans-pricing.yml
- type: RateLimits
url: rate-limits/kushki-rate-limits.yml
- type: FinOps
url: finops/kushki-finops.yml
- type: Vocabulary
url: vocabulary/kushki-vocabulary.yml
- type: SpectralRules
url: rules/kushki-rules.yml
- url: https://www.kushkipagos.com/blog
type: Blog
created: '2026-05-24'
modified: '2026-05-24'
position: Producing
description: Kushki is an Ecuador-headquartered LatAm fintech operating as a regional non-banking acquirer for the Andean
and Pacific Alliance markets — Ecuador, Colombia, Peru, Chile, Mexico, and Brazil. The Kushki API unifies card payments,
scheduled and one-click subscriptions, bank transfers (PSE, Webpay Transferencia, SPEI, PIX), cash vouchers (OXXO, PagoEfectivo,
Boleto), payouts/dispersions, and card-present (Kushki One POS) behind a single REST surface. Authentication is split across
a Public-Merchant-Id (used in the browser to tokenize cards) and a Private-Merchant-Id (used server-side to charge). PCI
DSS Level 1, 3DS 2.0, multi-layer anti-fraud, hosted fields, Kajita payment forms, Smartlinks, and e-commerce plugins (Shopify,
VTEX, WooCommerce, Magento, PrestaShop) round out the platform.
maintainers:
- FN: Kin Lane
email: info@apievangelist.com
X: apievangelist
url: https://apievangelist.com
specificationVersion: '0.16'
Kin Score
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