Make a charge or deferred charge

This functionality is available for the following models:
☑ Acquirer
☑ Aggregator

Make a charge with a token provided by Kushki which represents the customer's credit card.

WARNING

DANGER

Important Notice about Transactions with BBVA Peru 🇵🇪

Starting January 1, 2025, BBVA Peru only accepts card transactions with dynamic CVV as part of its measures to enhance the security of online transactions.

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Deferred charges in Ecuador 🇪🇨 and Mexico 🇲🇽

If you perform a deferred charge with credentials of an Ecuadorian or Mexican merchant, you have to set the deferred object that has the creditType, graceMonths and months.

How to obtain the available deferred options?

As soon as your customer’s card number is entered, you must use the method Request deferred options to verify if there are deferred payment options for the BIN of the card entered by the user.

In response to this call, you will receive the name of the deferral, the type (corresponds to the creditType when executing the charge), the available months and the months of grace, as shown in the following example response.

  {
      name: "Diferido con intereses",
      type: "002",
      months: ["3", "6"],
      monthsOfGrace: ["1", "2", "3"]
    }

Some types of deferrals that may be returned in the response are:

Ecuador

Diferido con meses de gracia sin intereses.

Diferido con meses de gracia con intereses.

Diferido cuota fija con intereses.

Diferido cuota fija sin intereses.

Diferido con intereses.

Diferido sin intereses.

México

"03" = Months with no interest. (MSI)

For months with no interest in México, there is a minimum amount depending on the term to defer the transaction.

3 months: $300 COP

6 months: $600 COP

9 months: $900 COP

12 months: $1,200 COP

18 months: $1,800 COP

Chile, Colombia and Peru

For Chile, Colombia and Peru, deferred transactions vary depending on the affiliation model:

For Acquiring

For deferred charges in Colombian, Peruvian, and Chilean merchants, you have to set the deferred object that includes the creditType, graceMonths, and months parameters.

In all countries, graceMonths must be sent with the value of 00.

Example: Credit Type `01` (Colombia, Perú, and Chile's Issuer Installments)

  "deferred": {
    "graceMonths": "00",
    "creditType": "01",
    "months": 6
  }

Example: Credit Type 03 (Chile's "Cuotas Comercio" Installments)

⚠️ Beta Feature
The implementation of "Cuotas Comercio" (Credit Type 03) for Chile is currently in Beta phase. The data structure and logic are subject to change without prior notice during this period.

Example: Credit Type 03 (Chile's "Cuotas Comercio" Installments)

"deferred": {
    "graceMonths": "00",
    "creditType": "03",
    "months": 3
}
```json
"deferred": {
    "graceMonths": "00",
    "creditType": "03",
    "months": 3
  }

For Aggregator model

For deferred charges in Colombian, Chilean or Peruvian merchants in aggregator model, you can send the number of installments in the months parameter.

"months": 3,

WARNING

Important!
In any case, you should consult the request deferred options method as these vary according to the BIN of the card.

Do you have your own 3DS authentication engine?*

Make sure you include the threeDomainSecure object in your request.

* Applies in Mexico 🇲🇽 , Peru 🇵🇪, Colombia 🇨🇴,Ecuador 🇪🇨, and Chile 🇨🇱.

Endpoint time out: 29 sec

Do you have your own subscriptions engine?*

This functionality is available for the following models:
☑ Acquirer
☐ Aggregator

* Applies in Mexico 🇲🇽 , Peru 🇵🇪, Colombia 🇨🇴, and Chile 🇨🇱.

In case you have your own subscriptions engine (only PCI Compliance merchants), you can follow the steps below to process recurring charges:

Obtain a card token by sending initialRecurrence in the transactionMode parameter.

Use the obtained token in step 1 to make an initial charge (see the example named Initial recurrence charge for subscriptions).

Make sure you save the transactionReference number of the charge completed in step 2.

For the subsequent transactions, obtain a card token by sending subsequentRecurrence in the transactionMode parameter.

Make a charge by sending the transactionReference number in the initialRecurrenceReference field (see the example named Subsequent recurrence charge for subscriptions)

curl --location --request POST 'https://api-uat.kushkipagos.com/card/v1/charges' \ --header 'Private-Merchant-Id;' \ --header 'Content-Type: application/json' \ --data-raw '{ "token": "f5c64f7ac8ea42d5a58dcdc74de973dc", "amount": { "subtotalIva": 0, "subtotalIva0": 16.98, "ice": 0, "iva": 0, "currency": "COP" }, "metadata": { "Referencia": "987654" }, "contactDetails": { "documentType": "CC", "documentNumber": "1234567890", "email": "user@example.com", "firstName": "John", "lastName": "Doe", "phoneNumber": "+593912345678" }, "orderDetails": { "siteDomain": "example.com", "shippingDetails": { "name": "John Doe", "phone": "+593912345678", "address1": "Eloy Alfaro 139 y Catalina Aldaz", "address2": "centro 123", "city": "Quito", "region": "Pichincha", "country": "Ecuador" }, "billingDetails": { "name": "John Doe", "phone": "+593912345678", "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 }, { "id": "198953AB", "title": "eBook Virtual Selling", "price": 6980, "sku": "004834GQ", "quantity": 1 } ] }, "webhooks": [ { "events": [ "approvedTransaction", "declinedTransaction" ], "headers": [ { "label": "json", "value": "12" } ], "urls": [ "https://eof2hhkrta4ooo1.m.pipedream.net" ] } ], "webhooksChargeback": [ { "events": [ "initialized", "pending", "review", "approval", "declined", "failed", "expired" ], "headers": [ { "label": "json", "value": "12" } ], "urls": [ "https://eof2hhkrta4ooo1.m.pipedream.net" ] } ], "fullResponse": "v2" }'

This functionality is available for the following models:#

Deferred charges in Ecuador 🇪🇨 and Mexico 🇲🇽#

How to obtain the available deferred options?#

Ecuador#

México#

Chile, Colombia and Peru#

For Acquiring#

Example: Credit Type 01 (Colombia, Perú, and Chile's Issuer Installments)#

Example: Credit Type 03 (Chile's "Cuotas Comercio" Installments)#

Example: Credit Type 03 (Chile's "Cuotas Comercio" Installments)#

For Aggregator model#

Important!#

Do you have your own 3DS authentication engine?*#

Do you have your own subscriptions engine?*#

This functionality is available for the following models:#

Request

Responses

This functionality is available for the following models:

Deferred charges in Ecuador 🇪🇨 and Mexico 🇲🇽

How to obtain the available deferred options?

Ecuador

México

Chile, Colombia and Peru

For Acquiring

Example: Credit Type `01` (Colombia, Perú, and Chile's Issuer Installments)

Example: Credit Type 03 (Chile's "Cuotas Comercio" Installments)

Example: Credit Type 03 (Chile's "Cuotas Comercio" Installments)

For Aggregator model

Important!

Do you have your own 3DS authentication engine?*

Do you have your own subscriptions engine?*

This functionality is available for the following models: