Payment disbursement to bank accounts

Disburse payments to your customers' or vendor's bank accounts

Payment disbursement 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 disbursement account and send the money to their accounts by wire transfer, using whatever logic you prefer.

This is ideal for:

Payments for suppliers or sellers

Marketplaces

Delivery applications

To keep in mind

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 payout process in Peru follows this flow: Merchant > Kushki > Processor > Recipient.

Parameter	Detail
Processing hours	Monday–Friday, 7:00 a.m. – 8:00 p.m.; Saturdays, 7:00 a.m. – 2:30 p.m.; Sundays and holidays: no processing.
Processing days	Monday–Saturday
Time to credit BCP account	Up to 40 minutes after BCP processes the payment.
Time to credit other banks	- Amount < S/. 420 000: • Sent before 12:00 p.m.: credited same day. • Sent after 12:00 p.m.: credited next business day. - Amount ≥ S/. 420 000: • Sent before 12:30 p.m.: credited same day. • Sent after 12:30 p.m.: credited next business day.
Final status notification	The bank notifies when funds have been credited (max. 40 minutes after processing).
Minimum transaction amount	S/. 1.00
Maximum transaction amount	To BCP accounts: no limit To other banks: S/. 420 000
Recipient account types	Individual and corporate accounts

Supported currencies

The transfer out service in Peru is available in local currency (PEN).

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.

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PHP

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.

Below is an example of the response to this call:

[
  {
    "code": "093",
    "name": "FINANCIERA QAPAQ"
  },
  {
    "code": "023",
    "name": "BANCO DE COMERCIO"
  },
  {
    "code": "011",
    "name": "BBVA PERÚ"
  },
  {
    "code": "007",
    "name": "CITIBANK DEL PERÚ S.A."
  },
  {
    "code": "058",
    "name": "ALFIN BANCO S.A."
  },
  {
    "code": "808",
    "name": "CMAC HUANCAYO"
  },
  {
    "code": "038",
    "name": "BANCO INTERAMERICANO DE FINANZAS"
  },
  {
    "code": "096",
    "name": "FINANCIERA EFECTIVA"
  },
  {
    "code": "094",
    "name": "FINANCIERA OH"
  },
  {
    "code": "003",
    "name": "INTERBANK"
  },
  {
    "code": "009",
    "name": "SCOTIABANK PERÚ S.A.A."
  },
  {
    "code": "803",
    "name": "CMAC AREQUIPA"
  },
  {
    "code": "809",
    "name": "CMAC ICA"
  },
  {
    "code": "836",
    "name": "CAJA RAIZ"
  },
  {
    "code": "091",
    "name": "COMPARTAMOS FINANCIERA S.A."
  },
  {
    "code": "056",
    "name": "BANCO SANTANDER PERU"
  },
  {
    "code": "055",
    "name": "BANCO RIPLEY"
  },
  {
    "code": "062",
    "name": "BANK OF CHINA"
  },
  {
    "code": "805",
    "name": "CMAC SULLANA"
  },
  {
    "code": "049",
    "name": "MIBANCO, BANCO DE LA MICROEMPRESA S.A."
  },
  {
    "code": "002",
    "name": "BANCO DE CRÉDITO DEL PERÚ"
  },
  {
    "code": "800",
    "name": "CAJA METROPOLITANA"
  },
  {
    "code": "060",
    "name": "ICBC PERÚ BANK"
  },
  {
    "code": "813",
    "name": "CMAC TACNA"
  },
  {
    "code": "801",
    "name": "CMAC PIURA"
  },
  {
    "code": "806",
    "name": "CMAC CUSCO"
  },
  {
    "code": "035",
    "name": "BANCO PICHINCHA"
  },
  {
    "code": "099",
    "name": "FINANCIERA CONFIANZA"
  },
  {
    "code": "802",
    "name": "CMAC TRUJILLO"
  },
  {
    "code": "811",
    "name": "CMAC MAYNAS"
  },
  {
    "code": "043",
    "name": "CREDISCOTIA FINANCIERA S.A."
  },
  {
    "code": "053",
    "name": "BANCO GNB PERU"
  },
  {
    "code": "018",
    "name": "BANCO DE LA NACIÓN"
  },
  {
    "code": "054",
    "name": "BANCO FALABELLA PERÙ S.A."
  },
  {
    "code": "063",
    "name": "BANCO BCI PERU S.A."
  }
]

2. Tokenize the information

After obtaining the bank code of the account where the transfer will be received, you have to request a token by using our transfer out token request endpoint.

Document Type and Number

In this token request, you must include, among other details, the type (documentType) and number (documentNumber) of the recipient:

CE: Foreign Identification Card. Up to 12 characters.

DNI: Peruvian National Identity Document, 8 characters.

PAS: Passport. Up to 12 characters.

RUC: Tax ID. Up to 11 characters.

Account Type and Number

You must also include the account type (accountType) and account number (accountNumber):

CC: checking account.

CA: savings account.

CM: master account.

Disbursement to BCP

If the BankId (the code, received in the previous step) is 002, which corresponds to BCP or Banco de Crédito del Perú, the following specifications must be considered:

If BankId is 002 and accountType is CC, the accountNumber must have 13 digits.

If BankId is 002 and accountType is CA, the accountNumber must have 14 digits.

Disbursement to Banks Other Than BCP

If the BankId value is different from 002, you are required to provide the CCI (Código de Cuenta Interbancaria). This must contain exactly 20 digits and be presented without spaces, hyphens, or special characters.

Do you want to send multiple payments?

If you need to send a large volume of transfer out transactions, we recommend you tokenize them using multiple threads, save the tokens and then perform the initialization of these in queue using the initialization endpoint. Remember that each token has a duration of 30 minutes.

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Python

PHP

3. Initialize the transaction

In this step, you should have obtained a token, and then you will be able to start the distribution process with Kushki. You will need to make a call to our initialization endpoint to process the payment.

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See our API Reference for more information.

In the response, a ticket number and a status are issued for the transaction.

Important

Once a distribution by wire transfer has been started, 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 API.

Webhook

The transaction status is automatically notified 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 by indicating the URL and the payment method via email to email address.

API

In our API, you can use our Get Status endpoint to manually track the status of a specific transaction.

In case the transaction has the status of "Initialized", you should consult again the transaction status 10 minutes after it was started.

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.

There are test ID numbers that you can use in the UAT environment to ensure that your integration is ready.

Account number: 00316301312597216937
Identification number: 70015100
Identification type: DNI
Account type: CA
Bank identification number:003

Important

To top up funds for the testing phase, email us and for the production phase, you must make a fund transfer as follows:

Top up funds to bank account in Peruvian soles (PEN)
Open current account, BCP bank, currency (PEN) No. 191-9413468-0-33.

Please send us the payment proof of the top-up through email.

6. Prepare your certification

Read the following guidelines for technical certification approval (required to obtain productive account credentials):

Display messages on screen according to Kushki's answers.

Save and log all Kushki responses (required in case support is needed).

If webhook notifications are received successfully, respond to the request with a status 200.

Make sure that in the body of the request all the fields required in the API reference are included.

Accept webhooks

Handle postpaid events the right way.

Payment disbursement to bank accounts

Operation Details#

Supported currencies#

Flow#

1. Obtain the list of partner banks#

2. Tokenize the information#

Document Type and Number#

Account Type and Number#

Disbursement to BCP#

Disbursement to Banks Other Than BCP#

3. Initialize the transaction#

4. Track the transaction status (optional)#

Webhook#

API#

5. Test your integration#

6. Prepare your certification#

Operation Details

Supported currencies

Flow

1. Obtain the list of partner banks

2. Tokenize the information

Document Type and Number

Account Type and Number

Disbursement to BCP

Disbursement to Banks Other Than BCP

3. Initialize the transaction

4. Track the transaction status (optional)

Webhook

API

5. Test your integration

6. Prepare your certification