Transfer in

Transfer In lets you accept payments via bank transfer in Mexico 🇲🇽. The customer is redirected to their bank's portal to authorize the payment, and Kushki notifies you of the result via webhook or status polling.

How it works

Get the bank list

Call GET /transfer/v1/bankList to retrieve the list of available banks. Display a bank selector to the customer before initiating the transfer.

[
  { "code": "1001", "name": "BBVA México" },
  { "code": "1002", "name": "Santander México" },
  { "code": "1003", "name": "Banorte" }
]

Request a Transfer In token

Call POST /transfer/v1/tokens with the amount, callback URL, and customer details. Returns a one-time token.

{
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 500,
    "iva": 0,
    "ice": 0,
    "currency": "MXN"
  },
  "callbackUrl": "https://yoursite.com/transfer/return",
  "documentType": "CURP",
  "documentNumber": "GACJ800101HDFRRN09",
  "email": "user@example.com",
  "currency": "MXN",
  "userType": "0"
}

Field	Required	Notes
`amount`	✅	MXN amounts
`callbackUrl`	✅	URL to redirect the customer after payment
`documentType`	✅	`CURP`, `RFC`, `PP`, or `CC`
`documentNumber`	✅	Customer's ID number
`email`	✅	Customer email for transaction notifications
`currency`	✅	`MXN`
`userType`	✅	`"0"` = Natural person, `"1"` = Company
`bankId`	Optional	Pre-select a bank for the customer
`paymentDescription`	Optional	Description shown in the customer's bank statement

Init the transaction

Call POST /transfer/v1/init with the token and amount. The response contains a redirectUrl — send the customer there to complete the payment at their bank portal.

{
  "token": "AbCDef123456Z7Ghi8901234jkLMNopQ",
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 500,
    "iva": 0,
    "ice": 0,
    "currency": "MXN"
  },
  "webhooks": ["https://yoursite.com/kushki/notify"],
  "fullResponse": "v2"
}

Response:

{
  "redirectUrl": "https://bank.mx/authorize/...",
  "transactionReference": "6f16659e-b711-4995-a9ae-161aecbd6521",
  "ticketNumber": "319228478889680318"
}

Customer completes the transfer

The customer logs into their bank portal, reviews, and confirms the transfer. The bank redirects them back to your callbackUrl when finished.

Check the transaction status

Call GET /transfer/v1/status/{token} to get the final transaction result. Use the token from Step 2 as the path parameter.

{
  "status": "APPROVED",
  "ticketNumber": "319228478889680318",
  "documentType": "CURP",
  "documentNumber": "GACJ800101HDFRRN09"
}

Currency

Currency	Code	Notes
Mexican Peso	`MXN`	Two decimal places — amounts use cents (e.g., `500.00`)

Document types

Value	Description
`CURP`	Clave Única de Registro de Población 🇲🇽
`RFC`	Registro Federal de Contribuyentes 🇲🇽
`PP`	Pasaporte 🇲🇽
`CC`	Identity Document 🇲🇽

Transaction status values

Status	Description
`APPROVED`	Transfer completed and confirmed
`DECLINED`	Transfer was rejected
`INITIALIZED`	Transaction created — customer redirected to bank
`PENDING`	Awaiting bank confirmation
`FAILED`	Transaction failed
`EXPIRED`	Customer did not complete the transfer in time

Webhooks

Include a webhooks array in your init request to receive real-time notifications when the transfer status changes:

{
  "webhooks": ["https://yoursite.com/kushki/notify"]
}

Authentication

Using the API

🟢 Production

🧪 Sandbox (UAT)

https://api.kushkipagos.com/

Available Endpoints

Get Bank List

Retrieve the list of available banks for Transfer In.

Request a Transfer In Token

Tokenize the transfer request with the amount, currency, and customer identification.

Init Transaction

Initialize the transfer. Returns the bank redirect URL and transaction reference.

Get Status

Poll for the final transfer result using the token from the token request step.

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How it works#

Currency#

Document types#

Transaction status values#

Webhooks#

Authentication#

Using the API#

Available Endpoints#