One-Click & Scheduled Payments

One-Click & Scheduled Payments let you register a customer's card once and charge it repeatedly — on demand or automatically on a schedule — without asking for card data again. This is also known as Tokenization and recurrent charge execution.

Supports both one-click (on-demand) charges and scheduled recurring charges with configurable billing cycles and retry logic.

Payment process

A subscription payment works in 2 main stages: card registration and recurring charge execution.

Stage 1 — Card registration

User selects payment method

In your website or app, the user selects the payment method. Make it clear that their card will be registered for recurring charges.

Request a recurring charge token

Call POST /subscriptions/v1/card/tokens with the card data and currency. Returns a one-time token used to create the subscription.

{
  "card": {
    "name": "Catalina Fuentes",
    "number": "5451951574925480",
    "expiryMonth": "05",
    "expiryYear": "28",
    "cvv": "123"
  },
  "currency": "CLP"
}

Create the subscription

Call POST /subscriptions/v1/card with the token, plan details, and contact information. Kushki runs a small validation charge and automatically reverses it — this confirms the card can be charged.

{
  "token": "gV3ox6100000sAxClU033646vnnJsT83",
  "planName": "Plan Mensual",
  "periodicity": "monthly",
  "startDate": "2026-06-01",
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 10000,
    "iva": 0,
    "ice": 0,
    "currency": "CLP"
  },
  "contactDetails": {
    "documentType": "RUT",
    "documentNumber": "12345678-9",
    "firstName": "Catalina",
    "lastName": "Fuentes",
    "email": "user@example.com",
    "phoneNumber": "+56912345678"
  }
}

A successful response returns a subscriptionId — store it to manage future charges.

Stage 2 — Recurring charges

Automatic billing

Kushki processes recurring charges to the registered card automatically according to the amount and period defined in the subscription.

Billing runs every day from 6 AM GMT-5. Set startDate before this time if you want the first charge on the same day.

Retry logic

If a charge is rejected, Kushki retries automatically. By default, 3 retries over 3 consecutive days from the original startDate.

Customize retry logic with retryConfiguration:

`retryType`	Behavior
`schedule`	Retries every N days for the entire period
`fixed`	Retries only on specific days of the month

{
  "retryConfiguration": {
    "retryType": "fixed",
    "value": [5, 15, 25]
  }
}

Transaction notifications

You receive webhook notifications for each charge attempt — successful or declined. Also available in the Kushki Console.

On-demand (one-click) charge

To charge a registered card immediately without waiting for the scheduled billing cycle:

POST /subscriptions/v1/card/{subscriptionId}

{
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 10000,
    "iva": 0,
    "ice": 0,
    "currency": "CLP"
  }
}

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. Sending 10000.50 returns 400 Bad Request.

Document types

Value	Description
`CC`	Cédula de Identidad 🇨🇱
`PP`	Pasaporte 🇨🇱
`RUT`	Rol Único Tributario 🇨🇱

Deferred installments in subscriptions

Chile supports deferred (installment) charges in one-click payments. Always call Request Deferred Options first to verify available plans for the card BIN.

Cuotas Comercio — Acquiring model (Beta)

Cuotas Emisor — Aggregator model

⚠️ Beta: Cuotas Comercio requires creditType: "03" and is currently in Beta phase for Chile. Contact the Kushki team to enable it.

Send the deferred object inside the charge request:

{
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 30000,
    "iva": 0,
    "ice": 0,
    "currency": "CLP"
  },
  "deferred": {
    "creditType": "03",
    "months": 6
  }
}

Available from 2 to 12 months.

Subscription pre-authorization flow

Use pre-authorization to reserve funds on a registered card before committing to the charge — useful for hotel and rental flows.

Pre-authorize

POST /subscriptions/v1/card/{subscriptionId}/authorize — Reserves funds on the registered card. Returns a ticketNumber.

Authorization holds expire after 28 days (credit) or 7 days (debit).

Capture

POST /subscriptions/v1/card/{subscriptionId}/capture — Captures the reserved amount. Pass the ticketNumber from the pre-authorization.

Manage subscriptions

Operation	Endpoint	Description
Get info	`GET /subscriptions/v1/card/search/{subscriptionId}`	Retrieve current status and configuration
Update card	`PUT /subscriptions/v1/card/{subscriptionId}/card`	Replace the card without canceling the subscription
Update plan	`PATCH /subscriptions/v1/card/{subscriptionId}`	Modify amount, frequency, or dates
Add temporary charge	`PUT /subscriptions/v1/card/{subscriptionId}`	Apply a one-time extra charge or discount to the next cycle
Cancel	`DELETE /subscriptions/v1/card/{subscriptionId}`	Cancel and deactivate the subscription

Periodicity options

Value	Description
`daily`	Every 1 day
`weekly`	Every 7 days
`biweekly`	Every 15 days
`monthly`	Every 30 days
`threefortnights`	Every six weeks (42 days)
`bimonthly`	Every 60 days
`quarterly`	Every 90 days
`fourmonths`	Every 120 days
`halfYearly`	Every 180 days
`yearly`	Every 360 days
`custom`	For one-click (on-demand) payments

Idempotency

Include the Idempotency-Key header to safely retry operations:

Rule	Detail
Validity window	24 hours
Maximum length	56 characters
Format	UUIDv4 recommended

Supported on: subscription pre-authorizations, voids, and refunds.

Authentication

Using the API

🟢 Production

🧪 Sandbox (UAT)

https://api.kushkipagos.com/

Available Endpoints

Request a Recurring Charge Token

Tokenize card data to register it for recurring charges.

Create a Recurring Charge

Create a new subscription with the registered card token. Accepts Cuotas Comercio for Oneclick Mall flows.

Make a One-Click Payment

Execute an on-demand charge against a registered card. Supports deferred installments.

Get Recurring Charge Info

Retrieve the details and current status of a subscription.

Update Recurring Charge Card

Replace the card associated with an active subscription.

Update a Recurring Charge

Modify the amount, frequency, or dates of an existing subscription.

Add a Temporary Charge or Discount

Apply a one-time extra charge or discount to the next billing cycle.

Cancel a Recurring Charge

Cancel and deactivate an active subscription.

Subscription Pre-Authorization

Reserve funds on a registered card without capturing immediately.

Subscription Capture

Capture a previously authorized amount on a registered card.

Got a suggestion on this documentation? Contact us.

Payment process#

Stage 1 — Card registration#

Stage 2 — Recurring charges#

On-demand (one-click) charge#

Currency#

Document types#

Deferred installments in subscriptions#

Subscription pre-authorization flow#

Manage subscriptions#

Periodicity options#

Idempotency#

Authentication#

Using the API#

Available Endpoints#

Payment process

Stage 1 — Card registration

Stage 2 — Recurring charges

On-demand (one-click) charge

Currency

Document types

Deferred installments in subscriptions

Subscription pre-authorization flow

Manage subscriptions

Periodicity options

Idempotency

Authentication

Using the API

Available Endpoints