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
    - url: capabilities/card-payments-charges.yaml
      type: NaftikoCapability
    - url: capabilities/card-payments-tokens.yaml
      type: NaftikoCapability
    - url: capabilities/card-payments-preauthorization.yaml
      type: NaftikoCapability
  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
    - url: capabilities/subscriptions-subscriptions.yaml
      type: NaftikoCapability
  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
    - url: capabilities/transfer-payments-transfers.yaml
      type: NaftikoCapability
  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
    - url: capabilities/cash-payments-cash.yaml
      type: NaftikoCapability
  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
    - url: capabilities/payouts-payouts.yaml
      type: NaftikoCapability
  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
    - url: capabilities/card-present-terminals.yaml
      type: NaftikoCapability
  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
    - url: capabilities/webhooks-events.yaml
      type: NaftikoCapability
  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
    - url: capabilities/merchants-branches.yaml
      type: NaftikoCapability
  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: [email protected]
    X: apievangelist
    url: https://apievangelist.com
specificationVersion: '0.16'