Transfer Out

Transfer Out lets you send funds directly to a recipient's bank account (ACH) in Chile 🇨🇱 — for supplier payments, marketplace payouts, commissions, or any disbursement flow.

How it works

Get the bank list

Call GET /payouts/transfer/v1/bankList (or the v2 endpoint) to retrieve the list of available destination banks. Display this list so the merchant or back-office operator can select the recipient's bank.

Request a Transfer Out token

Call POST /payouts/transfer/v1/tokens with the recipient's bank details and the disbursement amount. Returns a token.

{
  "documentType": "RUT",
  "documentNumber": "12345678-9",
  "accountType": "CC",
  "accountNumber": "00123456789",
  "bankId": "001",
  "totalAmount": 50000,
  "currency": "CLP",
  "name": "Catalina Fuentes",
  "mail": "user@example.com",
  "paymentDescription": "Pago proveedor"
}

Field reference:

Field	Required	Notes
`documentType`	Optional	`RUT` — the only value accepted for Chile
`documentNumber`	Optional	Recipient's ID number
`accountType`	✅	See account types table below
`accountNumber`	✅	Recipient's bank account number
`bankId`	Optional	Bank identifier from the bank list
`totalAmount`	✅	Disbursement amount in CLP (integer)
`currency`	✅	`CLP`
`name`	Optional	Recipient full name. No special characters allowed in Chile.
`mail`	Optional	Recipient email address
`paymentDescription`	Optional	Description for the transfer. No special characters allowed in Chile.

⚠️ No special characters: Chile does not allow special characters in paymentDescription or name. Use only standard ASCII letters and numbers.

Init the disbursement

Call POST /payouts/transfer/v1/init with the token and amount. A successful response returns a ticketNumber and transactionReference.

{
  "token": "AbCDef123456Z7Ghi8901234jkLMNopQ",
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 50000,
    "iva": 0
  },
  "webhooks": [
    {
      "events": ["approvedTransaction", "declinedTransaction"],
      "urls": ["https://yoursite.com/kushki/payout-notify"]
    }
  ],
  "fullResponse": "v2"
}

Response:

{
  "ticketNumber": "319228478889680318",
  "transactionReference": "6f16659e-b711-4995-a9ae-161aecbd6521",
  "status": "INITIALIZED"
}

Check disbursement status

Call GET /payouts/transfer/v1/transaction/{ticketNumber} to check the current status of the disbursement. The transfer may take time to process depending on the recipient bank.

{
  "ticketNumber": "319228478889680318",
  "transactionStatus": "APPROVAL",
  "totalAmount": 50000,
  "currency": "CLP",
  "bankId": "001",
  "documentType": "RUT",
  "documentNumber": "12345678-9"
}

Currency

Currency	Code	Notes
Chilean Peso	`CLP`	Integer amounts only — no decimal places

Account types

Value	Description
`CC`	Cuenta Corriente
`CA`	Cuenta de Ahorro
`CV`	Cuenta Vista / RUT (Banco Estado)

ℹ️ CV — Banco Estado: Send the recipient's RUT without the check digit. For any other bank, send the standard bank account number.

Document types

Value	Description
`RUT`	Rol Único Tributario 🇨🇱 — the only document type accepted for Chile

Transaction status values

Status	Description
`INITIALIZED`	Transfer created — processing with the bank
`APPROVAL`	Funds successfully disbursed
`PROCESSING`	Transfer is being processed by the bank
`DECLINED`	Transfer rejected by the recipient bank

Check your payout balance

Before initiating disbursements, verify you have sufficient balance in your Kushki payout wallet:

GET /wallet/v1/merchant/balance

{
  "currentBalance": 500000,
  "currency": "CLP",
  "balanceDate": 1748520000000
}

balanceDate is a Unix timestamp (milliseconds).

Insufficient balance

Transfer Out operations are funded from your Kushki wallet balance. Ensure your balance covers the disbursement before calling the token endpoint.

Webhooks

Include a webhooks array in the init request to receive real-time disbursement notifications:

{
  "webhooks": [
    {
      "events": ["approvedTransaction", "declinedTransaction"],
      "urls": ["https://yoursite.com/kushki/payout-notify"]
    }
  ]
}

Authentication

Using the API

🟢 Production

🧪 Sandbox (UAT)

https://api.kushkipagos.com/

Available Endpoints

Get Bank List

Retrieve available destination banks for payouts.

Get Bank List V2

Enhanced bank list with additional metadata.

Request a Transfer Out Token

Tokenize the recipient's bank details and disbursement amount.

Init Transaction

Initiate the bank transfer disbursement. Returns a ticketNumber for tracking.

Get Status

Check the current status of a disbursement by ticketNumber.

Merchant Balance

Get your current payout wallet balance in CLP.

Got a suggestion on this documentation? Contact us.

How it works#

Currency#

Account types#

Document types#

Transaction status values#

Check your payout balance#

Webhooks#

Authentication#

Using the API#

Available Endpoints#

How it works

Currency

Account types

Document types

Transaction status values

Check your payout balance

Webhooks

Authentication

Using the API

Available Endpoints