Distribute payments to your customers or vendor's bank accounts.Payment distribution by wire transfer consists of sending money to your customers' accounts. In other words, if you have their bank details, you can use your Kushki distribution account and send the money to their accounts by wire transfer, using whatever 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 tell you how to proceed if this process applies to your merchant.
Operation details#
The dispersion process in Mexico is done in the following way: Merchant > Kushki > Processor > User.| Parameter | Detail |
|---|
| Minimum amount | 1 MXN |
| Maximum amount | No limit |
| Transaction approval time | Immediate (same bank and other banks) |
| Processing days | 7 days a week |
| Processing hours | 24/7 |
| Types of recipient accounts available for sending wire transfers | - CLABE account
- Debit card
- Cell phone number**.
(accountType and accountNumber parameters must be sent in the token request.) |
** To send payments by cell phone number, the recipient of the transfer must have previously associated their deposit account to their cell phone number in their bank , either physically (bank branch) or electronically (bank's mobile application).Banco S3 México, S.A. is not available for disbursement via bank transfers.
Process Flow#
The flow that you will integrate is shown below:Here you will learn how to integrate money distributions by wire transfer.1. Obtain the list of partner banks#
The first step is to check the list of banks available to make the wire transfer. To do so, you must use this endpoint, which will show you the banking institutions available to make the transaction.In response to this call, you will receive the name and code of the available banks. The latter must be sent in the transfer out token request.In case you do not know the recipient's document number, send ND in the documentNumber field.
3. Initialize the transaction#
In this step, you should have obtained a token and can start the distribution process with Kushki. You will need to make a call to our initialization endpoint to initiate payment.In the response, a ticket number and a status are issued for the transaction.Once a distribution by wire transfer has been initialized, it will not be possible to cancel it.
4. Track the transaction status (optional)#
Now that the transfer is close to being processed, you can check the transaction status via webhooks or manually, by using our APIWebhook#
The transaction status is automatically notified at the time when the money has been deposited in the bank account.
The webhook response will contain the variables processorStatus and processorStatusDescription within the metadata object with the final status of the distribution: "metadata": {
"processorStatus": "LIQUIDADO",
"contractID": "AB123",
"processorStatusDescription": null
},
To configure a webhook in your test merchant site, you need to notify our agents by indicating the URL and the payment method via email to soporte@kushkipagos.com. API#
You can use our Get Status endpoint 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.
Account number: 646180110400000007
Identification number: 123456789
Identification type: CURP or RFC
Account number: 646180206800000003
Identification number: CADM9108029F4
Identification type: CURP or RFC
Account number: 646180206800000003
Identification number: CADM9108029G5
Identification type: CURP o RFC
There are two methods to top up funds in your distribution account. The first one is through the Console and you can do it by following these instructions.The second method is through support. To top up funds for the testing phase, email us to integraciones@kushkipagos.com. And for the production phase, you must make a transfer of funds to the following business account:Business account: 710969000045648227
Business name: Kushki S D RL DE CV
The time for the funds to be available in the account will be 3 hours from the time the mail was received. 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.
All Kushki responses must be saved and recorded (required in case 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 to the customer. You can find our logo in various 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. 
