Know what are the banks with which you can receive bank transfers.The payment process with bank transfer (transfer in) in Ecuador is done through an online payment Bank-User (not related to Kushki).In Ecuador you can process transfers with two processors: traditional bank transfer and DeUna!, the digital wallet backed by Banco Pichincha. Each one has its own banks, amounts and limits.| Processing Hours | Processing days |
|---|
| 24/7 | Monday to Sunday |
Banks#
Payments with bank transfers in Ecuador can be made from personal accounts through the following banks.| Banks |
|---|
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Apps compatible with DeUna!#
DeUna! payments are debited from the balance of the user's DeUna! account, not from a bank account. Depending on the payment experience you display in your checkout, the user can complete the payment from these apps.| Payment experience | Compatible apps |
|---|
| Dynamic QR |  |
| Deep link |  |
| Reference code |  |
Amounts#
The following are the minimum and maximum amounts supported, depending on the bank.| Bank | Minimum Amount | Maximum Amount |
|---|
| Banco Pichincha | 1 USD | 10,000 USD |
| Banco de Guayaquil | 1 USD | 10,000 USD |
DeUna! amounts and limits#
| Item | Value |
|---|
| Minimum amount per transaction | 1 USD, not configurable |
| Maximum per user, per day | 5,000 USD |
| Maximum per user, per month | 36,000 USD |
| Currency | USD |
The daily and monthly limits are defined by DeUna! and apply per user, not per merchant. A user who reaches their limit will not be able to pay on your site until it resets, even if your merchant has not reached any cap.DeUna! supports non-recurring card-not-present pay-ins only. It is not available for payouts or for recurring charges.The QR, the deep link and the reference code expire in 3 minutes, while the transaction token lasts 30 minutes. Generate the payment experience at the moment your customer is ready to pay.
Availability by integration type#
To use DeUna! to its full potential —all three experiences, your own branding, and more than one processor at a time— integrate through the API or Kushki JS.
| Capability | API · Kushki JS | Kajita · SmartLinks |
|---|
| Deep link | Yes | Yes |
| Reference code | Yes | Yes |
| Dynamic QR | Yes | QR not rendered |
| DeUna! logo in checkout | Your own design | Generic transfer text |
| Traditional transfer and DeUna! in parallel | Yes | One processor only |
Independent MID#
If your merchant also processes traditional bank transfers, DeUna! requires a separate MID. This is what identifies DeUna! transactions in your settlement report.
Accept transfers
Start your integration and accept transfers. 