Direct charge (without token)

This functionality is available for the following models:

☑ Acquirer

☐ Aggregator

To learn about which types of cards are enabled for each of the affiliation models, please refer to our guide of supported card brands.

Receiving direct payments with debit and credit cards on your site involves capturing the card information and sending the payment to Kushki for processing. This integration method is simpler because there is no need to request a token and then a charge to process a direct charge or a pre-authorization; you just need to use a single direct charge service.

Important

This method of processing requires PCI compliance.

Limitations

Available only with Kushki acquiring in Chile 🇨🇱, Colombia 🇨🇴, Mexico 🇲🇽, and Peru 🇵🇪.

Only supports single charges and pre-authorizations with Visa and Mastercard.

Not compatible with Sift Science or TransUnion anti-fraud tools.

Not compatible with Kushki's 3DS authentication (you can use your own anti-fraud authentication engine instead).

Not compatible with Kushki's OTP authentication.

The payment flow you will integrate is as follows:

Simple Charge

To perform a simple card charge, you will need to use the card and customer data to make a call to our non-token payment endpoint to initiate the charge.

JavaScript

Python

PHP

Deferred Charges

If you want to make a payment with deferred options, be sure to send the deferred object with the grace period, months, and credit type parameters (received when checking deferred options for a BIN). As a response to this call, you will receive the name of the deferred payment option, the type (which corresponds to creditType when executing the charge), the available months, and the grace period (skip payments), as shown in the following sample response. This is the information you will need when executing the charge:

[
   {
      "months":[
         "3",
         "6",
         "9",
         "12"
      ],
      "monthsOfGrace":[],
      "name":"Interest-free for cardholder",
      "type":"03"
   }
]

And here's how you should send the deferred object in a charge:

{
  "card": {
    "name": "John Doe",
    "number": "5311220000122112",
    "expiryMonth": "12",
    "expiryYear": "30",
    "cvv": "123"
  },
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 500,
    "ice": 0,
    "iva": 0,
    "currency": "USD",
    "isDeferred": true,
    "deferred": {
      "graceMonths": "00",
      "creditType": "03",
      "months": 3
    }
  },
  "metadata": {
    "Referencia": "99999"
  },
  "contactDetails": {
    "documentType": "CC",
    "documentNumber": "1234567890",
    "email": "user@example.com",
    "firstName": "John",
    "lastName": "Doe",
    "phoneNumber": "+593912345678"
  },
  "orderDetails": {
    "siteDomain": "example.com",
    "shippingDetails": {
      "name": "John Doe",
      "phone": "+593912345686",
      "address1": "Eloy Alfaro 139 y Catalina Aldaz",
      "address2": "centro 123",
      "city": "Quito",
      "region": "Pichincha",
      "country": "Ecuador"
    },
    "billingDetails": {
      "name": "John Doe",
      "phone": "+593912345686",
      "address1": "Eloy Alfaro 139 y Catalina Aldaz",
      "address2": "centro 123",
      "city": "Quito",
      "region": "Pichincha",
      "country": "Ecuador"
    }
  },
  "productDetails": {
    "product": [
      {
        "id": "198952AB",
        "title": "eBook Digital Services",
        "price": 10000,
        "sku": "10101042",
        "quantity": 1
      }
    ]
  },
  "fullResponse": "v2"
}

Important

The deferred object should only be sent in cases where the card has the option to make deferred payments; in all other cases, the mentioned object should be omitted.

Important

The types of deferred payment options available for your customer will depend on the card's BIN.

Check out our API Reference for more information.

External 3DS Authentication

If you have your own 3DS authentication engine, include the threeDomainSecure object in your request.

Depending on the brand, the fields to send may vary:

Visa	Mastercard
`cavv`	`directoryServerTransactionID`
`eci`	`eci`
`xid`	`ucaf`
`specificationVersion`	`specificationVersion`
`Cell`	`collectionIndicator`

The eci (Electronic Commerce Indicator) field allows the following values:

Visa:

eci: 05 y 06 represent secure transactions.

eci: 07 represents risky transactions. To process risky transactions, set the acceptRisk field to true.

Mastercard:

eci: 01 and 02 represent secure transactions.

eci: 00 represents risky transactions. To process risky transactions, set the acceptRisk field to true.

Important

By setting the acceptRisk field to true, the merchant or PSP will assume responsibility in case of a chargeback.

Here is an example of a charge that includes the object: threeDomainSecure:


{
  "card": {
    "name": "John Doe",
    "number": "5311220000122112",
    "expiryMonth": "12",
    "expiryYear": "30",
    "cvv": "123"
  },
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 5000,
    "ice": 0,
    "iva": 0,
    "currency": "MXN",
    "isDeferred": false
  },
  "fullResponse": "v2",
  "metadata": {
    "Referencia": "99999"
  },
  "contactDetails": {
    "documentType": "CC",
    "documentNumber": "1234567890",
    "email": "user@example.com",
    "firstName": "John",
    "lastName": "Doe",
    "phoneNumber": "+593912345678"
  },
  "orderDetails": {
    "siteDomain": "example.com",
    "shippingDetails": {
      "name": "John Doe",
      "phone": "+593912345686",
      "address1": "Eloy Alfaro 139 y Catalina Aldaz",
      "address2": "centro 123",
      "city": "Quito",
      "region": "Pichincha",
      "country": "Ecuador"
    },
    "billingDetails": {
      "name": "John Doe",
      "phone": "+593912345686",
      "address1": "Eloy Alfaro 139 y Catalina Aldaz",
      "address2": "centro 123",
      "city": "Quito",
      "region": "Pichincha",
      "country": "Ecuador"
    }
  },
  "productDetails": {
    "product": [
      {
        "id": "198952AB",
        "title": "eBook Digital Services",
        "price": 10000,
        "sku": "10101042",
        "quantity": 1
      }
    ]
  },
  "threeDomainSecure": {
    "cavv": "AAABBoVBaZKAR3BkdkFpELpWIiE=",
    "eci": "07",
    "xid": "NEpab1F1MEdtaWJ2bEY3ckYxQzE=",
    "specificationVersion": "2.2.0",
    "acceptRisk": false
  }
}

Process external subscriptions with Kushki

With Kushki, you can process charges if you have your own subscription engine. There are two options for this:

Option 1. Without sending CVV

Request Kushki to activate the service on your account.

Send the charge without CVV. Make sure to include the externalSubscriptionID field with the ID of the subscription from your external engine, with a length of 20 or fewer alphanumeric characters. This way, Kushki will recognize it as a subscription managed by an external engine.

{
  "card": {
    "name": "John Doe",
    "number": "5311220000122112",
    "expiryMonth": "12",
    "expiryYear": "30",
    "cvv": "123"
  },
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 5000,
    "ice": 0,
    "iva": 0,
    "currency": "MXN",
    "isDeferred": false
  },
  "metadata": {
    "Referencia": "99999"
  },
  "contactDetails": {
    "documentType": "CC",
    "documentNumber": "1234567890",
    "email": "user@example.com",
    "firstName": "John",
    "lastName": "Doe",
    "phoneNumber": "+593912345678"
  },
  "orderDetails": {
    "siteDomain": "example.com",
    "shippingDetails": {
      "name": "John Doe",
      "phone": "+593912345686",
      "address1": "Eloy Alfaro 139 y Catalina Aldaz",
      "address2": "centro 123",
      "city": "Quito",
      "region": "Pichincha",
      "country": "Ecuador"
    },
    "billingDetails": {
      "name": "John Doe",
      "phone": "+593912345686",
      "address1": "Eloy Alfaro 139 y Catalina Aldaz",
      "address2": "centro 123",
      "city": "Quito",
      "region": "Pichincha",
      "country": "Ecuador"
    }
  },
  "productDetails": {
    "product": [
      {
        "id": "198952AB",
        "title": "eBook Digital Services",
        "price": 10000,
        "sku": "10101042",
        "quantity": 1
      }
    ]
  },
  "externalSubscriptionID": "662829373638",
  "fullResponse": "v2"
}

Option 2. Sending CVV in the initial transaction

Send initialRecurrence in the transactionMode parameter and process the charge. For this initial transaction, make sure to send the CVV.

{
  "card": {
    "name": "John Doe",
    "number": "5311220000122112",
    "expiryMonth": "12",
    "expiryYear": "30",
    "cvv": "123"
  },
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 5000,
    "ice": 0,
    "iva": 0,
    "currency": "MXN",
    "isDeferred": false
  },
  "metadata": {
    "Referencia": "99999"
  },
  "contactDetails": {
    "documentType": "CC",
    "documentNumber": "1234567890",
    "email": "user@example.com",
    "firstName": "John",
    "lastName": "Doe",
    "phoneNumber": "+593912345678"
  },
  "orderDetails": {
    "siteDomain": "example.com",
    "shippingDetails": {
      "name": "John Doe",
      "phone": "+593912345686",
      "address1": "Eloy Alfaro 139 y Catalina Aldaz",
      "address2": "centro 123",
      "city": "Quito",
      "region": "Pichincha",
      "country": "Ecuador"
    },
    "billingDetails": {
      "name": "John Doe",
      "phone": "+593912345686",
      "address1": "Eloy Alfaro 139 y Catalina Aldaz",
      "address2": "centro 123",
      "city": "Quito",
      "region": "Pichincha",
      "country": "Ecuador"
    }
  },
  "productDetails": {
    "product": [
      {
        "id": "198952AB",
        "title": "eBook Digital Services",
        "price": 10000,
        "sku": "10101042",
        "quantity": 1
      }
    ]
  },
  "citMit": "C101",
  "transactionMode": "initialRecurrence",
  "fullResponse": "v2"
}

Ensure you save the transactionReference from the completed charge in the previous step.

For subsequent transactions without CVV, send subsequentRecurrence in the transactionMode parameter, and make sure to include the transactionReference in the initialRecurrenceReference field.

{
  "card": {
    "name": "John Doe",
    "number": "5311220000122112",
    "expiryMonth": "12",
    "expiryYear": "30"
  },
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 5000,
    "ice": 0,
    "iva": 0,
    "currency": "MXN",
    "isDeferred": false
  },
  "metadata": {
    "Referencia": "99999"
  },
  "contactDetails": {
    "documentType": "CC",
    "documentNumber": "1234567890",
    "email": "user@example.com",
    "firstName": "John",
    "lastName": "Doe",
    "phoneNumber": "+593912345678"
  },
  "orderDetails": {
    "siteDomain": "example.com",
    "shippingDetails": {
      "name": "John Doe",
      "phone": "+593912345686",
      "address1": "Eloy Alfaro 139 y Catalina Aldaz",
      "address2": "centro 123",
      "city": "Quito",
      "region": "Pichincha",
      "country": "Ecuador"
    },
    "billingDetails": {
      "name": "John Doe",
      "phone": "+593912345686",
      "address1": "Eloy Alfaro 139 y Catalina Aldaz",
      "address2": "centro 123",
      "city": "Quito",
      "region": "Pichincha",
      "country": "Ecuador"
    }
  },
  "productDetails": {
    "product": [
      {
        "id": "198952AB",
        "title": "eBook Digital Services",
        "price": 10000,
        "sku": "10101042",
        "quantity": 1
      }
    ]
  },
  "transactionMode": "subsequentRecurrence",
  "initialRecurrenceReference": "c76e2057-fe15-4f90-990c-5d35d130f018",
  "fullResponse": "v2"
}

Test your integration.

There are test cards you can use in the UAT environment to ensure your integration is ready. Use them with any CVV, postal code, and future expiration date.

Approved transaction: 5451951574925480

Declined transaction at token request (front-end): 4574441215190335

Declined transaction at charge request (back-end): 4349003000047015

Direct charge (without token)

Limitations#

Simple Charge#

Deferred Charges#

External 3DS Authentication#

Process external subscriptions with Kushki#

Option 1. Without sending CVV#

Option 2. Sending CVV in the initial transaction#

Test your integration.#

Limitations

Simple Charge

Deferred Charges

External 3DS Authentication

Process external subscriptions with Kushki

Option 1. Without sending CVV

Option 2. Sending CVV in the initial transaction

Test your integration.