# Kushki

**Canonical:** https://apis.io/providers/kushki/  
**Website:** https://kushkipagos.com/  
**APIs profiled:** 12

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.

## Kin Score — 51.1 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 51.1).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 69.8 |
| Governance | 25.0 |
| Contract Governance | 25.0 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 73.8 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Payments**: 26.6 (matched via tags).

## Agent readiness — 34.1 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: high).

## APIs (12)

- **Kushki Subscriptions API** — Create, update, retrieve, charge, and cancel scheduled card subscriptions and one-click recurring payments. Plans support monthly, weekly, daily, biweekly, quarterly, and yearly...
- **Kushki Payouts API** — 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...
- **Kushki Webhooks** — Real-time event notifications for approved, declined, voided, refunded, and captured transactions across every product (card, transfer, cash, subscription, payout). Webhooks shi...
- **Kushki Branches API** — Branch / sucursal management
- **Kushki Card Present Charges API** — Sale, void, and settlement for card-present
- **Kushki Cash API** — Cash voucher generation and lookup
- **Kushki Charges API** — Direct charge against a previously created card token
- **Kushki Pre-Authorization API** — Two-step authorize + capture flow
- **Kushki Terminals API** — Kushki One terminal management
- **Kushki Tokens API** — Card tokenization (client-side via Kushki.js, returns a one-time transactionToken)
- **Kushki Transfer API** — Bank-rail transfer charges
- **Kushki Voids and Refunds API** — Void or refund a previously captured charge

## Agentic access (1)

- **Kushki Agentic Access** — 28 operations · 20 acting

## Security (2)

- **Kushki Authentication** — apiKey · 2 schemes
- **Kushki Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Kushki Plans Pricing**

## Use cases (10)

- **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**

## Tags

Payments, LatAm, Andean Region, Card Payments, Subscription, Cash, Bank Transfers, Payouts, PSE, Webpay, SPEI, Pix, OXXO, PagoEfectivo, Fintech, Ecuador, Colombia, Peru, Chile, Mexico, Brazil

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/kushki/). Scores are computed from the provider's own public artifacts under a published rubric.