Kushki

aid: kushki
url: https://raw.githubusercontent.com/api-evangelist/kushki/refs/heads/main/apis.yml
apis:
  - aid: kushki:kushki-card-payments-api
    name: Kushki Card Payments API
    tags:
      - Card Payments
      - Payments
      - Tokenization
      - 3DS
      - Refunds
      - Captures
    humanURL: https://docs.kushki.com/
    baseURL: https://api.kushkipagos.com
    properties:
      - url: https://docs.kushki.com/
        type: Documentation
      - url: https://api-docs.kushkipagos.com/api-reference
        type: APIReference
      - url: openapi/kushki-card-payments-api-openapi.yml
        type: OpenAPI
      - url: json-schema/kushki-charge-schema.json
        type: JSONSchema
      - url: json-schema/kushki-token-schema.json
        type: JSONSchema
      - url: json-ld/kushki-context.jsonld
        type: JSONLD
    description: >-
      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) so PAN never touches the merchant server. One-step
      and two-step (auth/capture) flows, deferred payments with months and rate-of-interest, partial refunds, and 3DS
      2.0 authentication are supported across Ecuador, Colombia, Peru, Chile, Mexico, and Brazil.
  - 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-transfer-payments-api
    name: Kushki Transfer Payments API
    tags:
      - Bank Transfers
      - Payments
      - PSE
      - Webpay
      - PIX
      - SPEI
    humanURL: https://docs.kushki.com/
    baseURL: https://api.kushkipagos.com
    properties:
      - url: https://docs.kushki.com/
        type: Documentation
      - url: openapi/kushki-transfer-payments-api-openapi.yml
        type: OpenAPI
    description: >-
      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 charge, return a redirect/QR for the payer, and receive
      webhook confirmation when the bank settles.
  - aid: kushki:kushki-cash-payments-api
    name: Kushki Cash Payments API
    tags:
      - Cash
      - Payments
      - Vouchers
      - OXXO
      - PagoEfectivo
      - Boleto
    humanURL: https://docs.kushki.com/
    baseURL: https://api.kushkipagos.com
    properties:
      - url: https://docs.kushki.com/
        type: Documentation
      - url: openapi/kushki-cash-payments-api-openapi.yml
        type: OpenAPI
    description: >-
      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 Argentina, plus Ecuadorean and Colombian
      correspondent networks. Returns a barcode/reference plus expiry date.
  - 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-card-present-api
    name: Kushki Card Present API
    tags:
      - POS
      - Card Present
      - EMV
      - Kushki One
      - In Person
    humanURL: https://docs.kushki.com/
    baseURL: https://api.kushkipagos.com
    properties:
      - url: https://docs.kushki.com/
        type: Documentation
      - url: openapi/kushki-card-present-api-openapi.yml
        type: OpenAPI
    description: >-
      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, and an encryption envelope so payment data is
      sealed end-to-end from the PIN pad.
  - 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-merchants-api
    name: Kushki Merchants and Branches API
    tags:
      - Merchants
      - Branches
      - Administration
      - Configuration
    humanURL: https://docs.kushki.com/
    baseURL: https://api.kushkipagos.com
    properties:
      - url: https://docs.kushki.com/
        type: Documentation
      - url: openapi/kushki-merchants-api-openapi.yml
        type: OpenAPI
    description: >-
      Manage merchant branches (sucursales) and their per-branch configuration — public/private keys, allowed payment
      methods, country, currency, anti-fraud rules, and webhook URLs. Used by marketplaces, franchise networks, and
      aggregators that need to onboard sub-merchants programmatically.
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
image: https://kushki-cdn-production.s3.amazonaws.com/docs/Logo+Kushki+3+Horizontal+White+2019+08.png
access: 3rd-Party
common:
  - 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: SDK
    url: https://github.com/Kushki/kushki-php
    name: PHP SDK
  - type: SDK
    url: https://github.com/Kushki/kushki-android
    name: Android SDK (Kotlin)
  - type: SDK
    url: https://github.com/Kushki/kushki-ios
    name: iOS SDK (Swift)
  - type: SDK
    url: https://github.com/Kushki/kushki-ios-intel
    name: iOS SDK INTEL processor
  - type: SDK
    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
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'