Create payment (tokenless)

Make a single charge without the need for a card token.

DANGER

This is an On-demand service only available for PCI DSS compliance companies.

DANGER

Important Notice about Transactions with BBVA Peru 🇵🇪

Starting January 1, 2025, BBVA Peru only accepts card transactions with dynamic CVV as part of its measures to enhance the security of online transactions.

This functionality is available for the following models:
☑ Acquirer
☐ Aggregator

Limitations

Only available for Acquirer model in Chile 🇨🇱, Colombia 🇨🇴, México 🇲🇽, and Perú 🇵🇪.

Only available for Visa and Mastercard.

Not compatible with Siftscience nor TransUnion antifraud tools.

Not compatible with Kushki 3DS authentication tool (Use instead your own 3DS authentication engine).

Not compatible with Kushki OTP authentication.

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Mexico

If you perform a deferred charge with credentials of an Mexican merchant, you have to set the deferred object that has the creditType, graceMonths and months.

Here is a quick list of types of credit that you could be sent in the creditType field. Keep in mind that the exact creditType you will be able to use for deferred transactions depends on the credit card BIN. You can request the deferred options for a specific BIN from your frontend with our API or with one of our frontend libraries.

México

"03" = Months with no interest.

For months with no interest in México, there is a minimum amount depending on the term to defer the transaction.

3 months: $300 COP

6 months: $600 COP

9 months: $900 COP

12 months: $1,200 COP

18 months: $1,800 COP

Chile, Colombia and Peru

For Chile, Colombia and Peru, deferred transactions vary depending on the affiliation model.

For Acquiring

For deferred charges in Colombian, Peruvian, and Chilean merchants, you have to set the deferred object that includes the creditType, graceMonths, and months parameters.

In all countries, graceMonths must be sent with the value of 00.

Country	Deferred Payment Type	`creditType` Value
Colombia / Perú	Standard Installments	`01`
Chile	Issuer Installments (`Cuotas Emisor`)	`01`
Chile	Merchant Installments (`Cuotas Comercio`)	`03`

Example: Credit Type `01` (Colombia, Perú, and Chile's Issuer Installments)

  "deferred": {
    "graceMonths": "00",
    "creditType": "01",
    "months": 6
  }

Example: Credit Type 03 (Chile's "Cuotas Comercio" Installments)

⚠️ Beta Feature
The implementation of "Cuotas Comercio" (Credit Type 03) for Chile is currently in Beta phase. The data structure and logic are subject to change without prior notice during this period.

Example: Credit Type 03 (Chile's "Cuotas Comercio" Installments)

"deferred": {
    "graceMonths": "00",
    "creditType": "03",
    "months": 3
}
```json
"deferred": {
    "graceMonths": "00",
    "creditType": "03",
    "months": 3
  }

For Aggregator model

For deferred charges in Colombian, Chilean or Peruvian merchants in aggregator model, you can send the number of installments in the months parameter.

"months": 3,

Do you have your own 3DS authentication engine?*

Make sure you include the threeDomainSecure object in your request.

* Applies in Mexico 🇲🇽 , Peru 🇵🇪, Colombia 🇨🇴, and Chile 🇨🇱.

Do you have your own subscriptions engine?*

In case you have your own subscriptions engine (only PCI Compliance merchants), you can follow the steps below to process recurring charges:

Send initialRecurrence in the transactionMode parameter and process the charge. For this initial transaction, you must send the CVV.

Make sure you save the transactionReference number of the charge completed in step 1.

For the subsequent transactions, send subsequentRecurrence in the transactionMode parameter and include the transactionReference number in the initialRecurrenceReference field. Now you can omit the CVV.

An alternative option to process external subscriptions is by sending the parameter externalSubscriptionID. Click here for more information.

curl --location --request POST 'https://api-uat.kushkipagos.com/card/v2/charges' \ --header 'Private-Merchant-Id;' \ --header 'Content-Type: application/json' \ --data-raw '{ "card": { "name": "John Doe", "number": "5311220000122112", "expiryMonth": "12", "expiryYear": "25", "cvv": "123" }, "amount": { "subtotalIva": 0, "subtotalIva0": 48000, "ice": 0, "iva": 0, "currency": "COP" }, "isDeferred": false, "metadata": { "referencia": "999929" }, "contactDetails": { "documentType": "CC", "documentNumber": "1009283738", "email": "user@example.com", "firstName": "John", "lastName": "Doe", "phoneNumber": "+573012345678" }, "orderDetails": { "siteDomain": "example.com", "shippingDetails": { "name": "John Doe", "phone": "+525512345678", "address1": "Av. Reforma 123", "city": "CDMX", "region": "CDMX", "country": "México" }, "billingDetails": { "name": "John Doe", "phone": "+525512345678", "address1": "Av. Reforma 123", "city": "CDMX", "region": "CDMX", "country": "México" } }, "productDetails": { "product": [ { "id": "198952AB", "title": "eBook Digital Services", "price": 10000, "sku": "10101042", "quantity": 1 } ] }, "fullResponse": "v2" }'

{ "details": { "amount": { "subtotalIva": 0, "subtotalIva0": 5000, "ice": 0, "iva": 0, "currency": "COP", "isDeferred": false }, "approvalCode": "123456", "approvedTransactionAmount": 5000, "binInfo": { "bank": "Banco de S.A.", "binCard": "531122", "cardCountry": "Mexico", "lastFourDigits": "2112", "type": "credit" }, "cardHolderName": "John Doe", "created": 1712092118000, "merchantId": "20000000101835540000", "merchantName": "CENTRALIZADA NUEVA PRUEBA GOB", "messageFields": { "f38": "123456", "f39": "00", "f48": { "s22": { "se5": "C101" } } }, "paymentBrand": "Mastercard", "processorBankName": "Kushki", "recap": "409321136945", "requestAmount": 5000, "responseCode": "000", "responseText": "Approved or completed successfully.", "transactionId": "821712092118240856443", "transactionReference": "3d0d7e1f-02b5-46fa-9791-92722f42df5b", "transactionStatus": "APPROVAL", "transactionType": "SALE" }, "ticketNumber": "821712092118240271", "transactionReference": "3d0d7e1f-02b5-46fa-9791-92722f42df5b" }

This is an On-demand service only available for PCI DSS compliance companies.

This functionality is available for the following models:

Limitations

Mexico

México

Chile, Colombia and Peru

For Acquiring

Example: Credit Type `01` (Colombia, Perú, and Chile's Issuer Installments)

Example: Credit Type 03 (Chile's "Cuotas Comercio" Installments)

Example: Credit Type 03 (Chile's "Cuotas Comercio" Installments)

For Aggregator model

Do you have your own 3DS authentication engine?*

Do you have your own subscriptions engine?*

Request

Responses

Create payment (tokenless)

This is an On-demand service only available for PCI DSS compliance companies.#

This functionality is available for the following models:#

Limitations#

Mexico#

México#

Chile, Colombia and Peru#

For Acquiring#

Example: Credit Type 01 (Colombia, Perú, and Chile's Issuer Installments)#

Example: Credit Type 03 (Chile's "Cuotas Comercio" Installments)#

Example: Credit Type 03 (Chile's "Cuotas Comercio" Installments)#

For Aggregator model#

Do you have your own 3DS authentication engine?*#

Do you have your own subscriptions engine?*#

Request

Responses

This is an On-demand service only available for PCI DSS compliance companies.

This functionality is available for the following models:

Limitations

Mexico

México

Chile, Colombia and Peru

For Acquiring

Example: Credit Type `01` (Colombia, Perú, and Chile's Issuer Installments)

Example: Credit Type 03 (Chile's "Cuotas Comercio" Installments)

Example: Credit Type 03 (Chile's "Cuotas Comercio" Installments)

For Aggregator model

Do you have your own 3DS authentication engine?*

Do you have your own subscriptions engine?*