Card Async

Card Async is a Chile-exclusive payment method that processes card transactions through Transbank's Webpay portal. Unlike the standard card flow, the customer is redirected to the Transbank portal to authenticate and complete the payment — your server receives the result asynchronously.

Chile only 🇨🇱

This service is available exclusively in Chile. It requires an active Transbank/Webpay integration enabled on your Kushki account.

How it works

Request a card async token

Call POST /card-async/v1/tokens with the total amount, return URL, and currency. Returns a one-time token.

{
  "totalAmount": 10000,
  "returnUrl": "https://yoursite.com/payment/return",
  "currency": "CLP",
  "email": "user@example.com",
  "description": "Compra en Mi Comercio Chile"
}

⚠️ Token expiry: Tokens expire in 30 minutes and can only be used for a single transaction. Request a new token if it expires.

Init the transaction

Call POST /card-async/v1/init with the token and amount. The response returns a redirectUrl — send your customer there to complete the payment on Transbank's Webpay portal.

{
  "token": "AbCDef123456Z7Ghi8901234jkLMNopQ",
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 10000,
    "iva": 0,
    "ice": 0,
    "currency": "CLP"
  },
  "webhooks": ["https://yoursite.com/kushki/notify"],
  "fullResponse": "v2"
}

Response:

{
  "redirectUrl": "https://webpay.transbank.cl/...",
  "transactionReference": "6f16659e-b711-4995-a9ae-161aecbd6521"
}

Customer completes payment on Webpay

The customer authenticates and confirms the payment on the Transbank portal. Transbank redirects the customer back to your returnUrl when done.

Check the transaction status

Call GET /card-async/v1/status/{token} to retrieve the final result. Use the token from Step 1 as the path parameter.

A successful response includes:

{
  "status": "approvedTransaction",
  "ticketNumber": "319228478889680318",
  "transactionReference": "6f16659e-b711-4995-a9ae-161aecbd6521",
  "approvedTransactionAmount": 10000,
  "lastFourDigits": "1234",
  "cardType": "CREDIT"
}

Pre-authorization flow

Use pre-authorization to reserve funds without capturing immediately — for hotel, rental, or marketplace flows.

7-day capture limit

There is a maximum of 7 calendar days to capture after a pre-authorization. After that, Transbank automatically releases the reserved funds. This limit cannot be extended.

Request a token

Same as a regular charge — call POST /card-async/v1/tokens with the amount to reserve.

Pre-authorize

POST /card-async/v1/preAuthorization — Returns a redirectUrl to redirect the customer to Transbank.

{
  "token": "AbCDef123456Z7Ghi8901234jkLMNopQ",
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 30000,
    "iva": 0
  }
}

Customer authenticates on Webpay

Customer is redirected to the Transbank portal and confirms the hold.

Get status and ticketNumber

GET /card-async/v1/status/{token} — Once the customer returns, poll this endpoint to confirm the authorization and obtain the ticketNumber needed for capture.

Capture

POST /card-async/v1/capture — Collect the reserved funds using the ticketNumber from the status response. Must be done within 7 calendar days.

{
  "ticketNumber": "319228478889680318",
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 30000,
    "iva": 0,
    "ice": 0,
    "currency": "CLP"
  },
  "fullResponse": "v2"
}

Currency

Currency	Code	Notes
Chilean Peso	`CLP`	Integer amounts only — no decimal places
Unidad de Fomento	`UF`	Indexed currency unit

No decimals for CLP

Always send amounts as whole integers (e.g., 10000). Sending 10000.50 returns 400 Bad Request.

Transaction status values

Status	Description
`requestedToken`	Token created — the transaction has not been initialized yet
`initializedTransaction`	Transaction initialized — awaiting customer action on Webpay
`approvedTransaction`	Payment approved
`declinedTransaction`	Payment declined by the issuer or processor

Authentication

Using the API

🟢 Production

🧪 Sandbox (UAT)

https://api.kushkipagos.com/

Available Endpoints

Request a Card Async Token

Request a token with the payment amount and return URL. Valid for 30 minutes, single use.

Init Transaction

Initialize the transaction. Returns a Webpay redirect URL for the customer.

Pre-Authorization

Reserve funds without capturing immediately. Returns a Webpay redirect URL. 7-day capture window.

Capture

Capture a previously authorized amount using the ticketNumber from the status response.

Get Status

Poll for the final transaction result using the token from the token request step.

Got a suggestion on this documentation? Contact us.

How it works#

Pre-authorization flow#

Currency#

Transaction status values#

Authentication#

Using the API#

Available Endpoints#

How it works

Pre-authorization flow

Currency

Transaction status values

Authentication

Using the API

Available Endpoints