Distribute payments to your customers' bank accounts.Distributing payments by wire transfer means delivering money to bank accounts. In other words, if you already have your customers' or assistants' bank information, you can use your Kushki Payout account to deposit money directly in their accounts through wire transfer by using the logic you prefer.Payments for suppliers or sellers
Due to our risk policies, the available payment methods and the integration type may vary once you complete the affiliation. We will guide you on how to proceed if this process applies to your merchant.
Operation details#
The disbursement process in Colombia is carried out following the flow that appears below: Merchant > Kushki > Bank > User.| Parameter | Detail |
|---|
| Minimum amount per transaction | 1,000 COP |
| Maximum amount per transaction | 13,900,000,000 COP (same tax ID) |
| Maximum amount per beneficiary | 13,900,000,000 COP per day |
| Processing schedule with the processor | ACH cycles |
| API processing schedule | 24/7 (For sending API requests to Kushki). |
| Processing start time | From the moment Kushki submits the batch files to the processing bank. |
| Approval time - same bank | Same business day, within ACH operating cycles |
| Approval time - other banks | Up to 72 business hours (excluding Saturdays, Sundays, and holidays) |
Important Note: The Kushki API receives and processes transfer requests 24/7, but the actual transfer of funds is subject to the Colombian banking system's ACH Cycles, which operate only during business days and hours.
Flow#
The payment flow that you will integrate is as shown below:Here you will learn how to start with payment disbursement.1. Obtain the List of Associated Banks#
It is important that you make sure all the banks to which you will make the transfers are in the associated banks list. We recommend you check the information of the list of associated banks using our bank list endpoint.Please keep in mind that each bank has an identifier code, and it must be sent in the tokenization request of the information. 2. Tokenize Data#
After obtaining the bank code of the account where the transfer will be received, you have to request a token by using our tokenization endpoint.Required fields to obtain the token#
Please note the required fields in the body of the request:ACH — do not send the name field. In bank-account transfers (ACH), the token request is rejected ("invalid request body") when it includes the name field. In Bre-B transfers, the field is optional.
Dispersion to account number (accountType=CC,CA) |
|---|
- documentType
- documentNumber
-accountType
-accountNumber
- bankId
- totalAmount
- currency |
3. Initializing the Transaction#
In this step, you should have obtained a token and can start the disbursement process with Kushki. You have to make a call to our initialization endpoint to start the payment.In the response a ticket number and a status are issued for the transaction.4. Track the Transaction Status (Optional)#
Now that the transfer is about to be processed, you can find out the transaction status via Webhooks or manually, by using our API.Webhooks#
The transaction status is automatically notified at the time when the money has been deposited in the bank account.To configure a webhook in your test merchant site, you need to notify our agents via email, specifying the URL and the payment method.
API#
You can use our Get Status in our API to manually track the status of a specific transaction.5. Test your Integration#
The final result of this test data depends on your merchant's configuration: it requires the test environment (sandbox) to be active for your merchant and the assigned processor to support simulating certain statuses. If you don't get the expected result, contact your Kushki account manager or support.
Approved transaction: 123456789
Declined transaction: 999999990
6. Prepare your Certification#
Read the following guidelines for technical certification approval (required to obtain productive account credentials):Tax calculations must be correct.
Messages displayed on the screen should be aligned with Kushki's responses.
Save and record all the responses delivered by Kushki (required if you need support).
If there's no requirement for sending a reference voucher to the customer's mail, you don't need to specify an email address in the token request.
If webhook notifications are received correctly, respond to the request with a status 200.
The payment button must be disabled after the first click.
Kushki's logo must be visible for the customer. You can find our logo in several formats here. Make sure that in the body of the request all the fields required in the API Reference are included.
Accept Webhooks
Manage correctly post-payment events.Payment Distribution in Cash
Distribute safely payments in cash. 
