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.
8 APIs
24 Features
PaymentsLatAmAndean RegionCard PaymentsSubscriptionsCashBank TransfersPayoutsPSEWebpaySPEIPIXOXXOPagoEfectivoFintechEcuadorColombiaPeruChileMexicoBrazil
Charge, void, refund, capture, and pre-authorize card transactions via the Kushki Card REST API. Card numbers are tokenized client-side (Kushki.js Hosted Fields or mobile SDKs) ...
Create, update, retrieve, charge, and cancel scheduled card subscriptions and one-click recurring payments. Plans support monthly, weekly, daily, biweekly, quarterly, and yearly...
Accept bank-rail transfers across LatAm — PSE in Colombia, Webpay Transferencia in Chile, SPEI in Mexico, PIX in Brazil, and direct debit in Ecuador and Peru. Initiate the charg...
Generate cash-payment vouchers redeemable at authorized retail networks — OXXO and 7-Eleven in Mexico, PagoEfectivo in Peru, Boleto in Brazil, Western Union and PagoFacil in Arg...
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...
Process in-person EMV chip and contactless transactions through Kushki One terminals and the Raw Card Present API. Includes pairing, terminal management, sale, void, settlement,...
Real-time event notifications for approved, declined, voided, refunded, and captured transactions across every product (card, transfer, cash, subscription, payout). Webhooks shi...
Manage merchant branches (sucursales) and their per-branch configuration — public/private keys, allowed payment methods, country, currency, anti-fraud rules, and webhook URLs. U...
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
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
