Create payment (tokenless)

Make a single charge without the need for a card token.

This is an On-demand service only available for PCI DSS compliance companies.

Important

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.

Limitations

Only available for Acquirer model.

Only available for Visa and Mastercard.

Not compatible with Siftscience nor TransUnion antifraud tools.

Not compatible with Kushki 3DS authentication tool (Use instead your own 3DS authentication engine).

Not compatible with Kushki OTP authentication.

Deferred charges in Peru 🇵🇪

Deferred transactions vary depending on the affiliation model.

For Acquiring

For deferred charges in Peruvian 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.

Country	Deferred Payment Type	`creditType` Value

Example: Credit Type `01` (Perú's Issuer Installments)

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

For Aggregator model

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

"months": 3,

Do you have your own 3DS authentication engine?*

Make sure you include the threeDomainSecure object in your request.

Do you have your own subscriptions engine?*

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

Send initialRecurrence in the transactionMode parameter and process the charge. For this initial transaction, you must send the CVV.

Make sure you save the transactionReference number of the charge completed in step 1.

For the subsequent transactions, send subsequentRecurrence in the transactionMode parameter and include the transactionReference number in the initialRecurrenceReference field. Now you can omit the CVV.

An alternative option to process external subscriptions is by sending the parameter externalSubscriptionID. Click here for more information.

curl --location 'https://api-uat.kushkipagos.com/card/v2/charges' \ --header 'Private-Merchant-Id;' \ --header 'Content-Type: application/json' \ --data-raw '{ "card": { "name": "John Doe", "number": "5311220000122112", "expiryMonth": "03", "expiryYear": "30", "cvv": "123" }, "amount": { "subtotalIva": 0, "subtotalIva0": 10000, "ice": 0, "iva": 0, "currency": "PEN" }, "isDeferred": false, "metadata": { "referencia": "999929" }, "contactDetails": { "documentType": "DNI", "documentNumber": "1234567890", "email": "user@example.com", "firstName": "John", "lastName": "Doe", "phoneNumber": "+51912345678" }, "orderDetails": { "siteDomain": "example.com", "shippingDetails": { "name": "John Doe", "phone": "+51912345678", "address1": "Av. Javier Prado Este 123", "city": "Lima", "region": "Lima", "country": "Peru" }, "billingDetails": { "name": "John Doe", "phone": "+51912345678", "address1": "Av. Javier Prado Este 123", "city": "Lima", "region": "Lima", "country": "Peru" } }, "productDetails": { "product": [ { "id": "198952AB", "title": "eBook Digital Services", "price": 10000, "sku": "10101042", "quantity": 1 } ] }, "fullResponse": "v2" }'

{ "details": { "amount": { "subtotalIva": 0, "subtotalIva0": 5000, "ice": 0, "iva": 0, "currency": "PEN", "isDeferred": false }, "approvalCode": "123456", "approvedTransactionAmount": 5000, "binInfo": { "bank": "Banco de S.A.", "binCard": "531122", "cardCountry": "Peru", "lastFourDigits": "2112", "type": "credit" }, "cardHolderName": "John Doe", "created": 1712092118000, "merchantId": "20000000101835540000", "merchantName": "CENTRALIZADA NUEVA PRUEBA GOB", "messageFields": { "f38": "123456", "f39": "00", "f48": { "s22": { "se5": "C101" } } }, "paymentBrand": "Mastercard", "processorBankName": "Kushki", "recap": "409321136945", "requestAmount": 5000, "responseCode": "000", "responseText": "Approved or completed successfully.", "transactionId": "821712092118240856443", "transactionReference": "3d0d7e1f-02b5-46fa-9791-92722f42df5b", "transactionStatus": "APPROVAL", "transactionType": "SALE" }, "ticketNumber": "821712092118240271", "transactionReference": "3d0d7e1f-02b5-46fa-9791-92722f42df5b" }

This is an On-demand service only available for PCI DSS compliance companies.

Limitations

Deferred charges in Peru 🇵🇪

For Acquiring

Example: Credit Type `01` (Perú's Issuer Installments)

For Aggregator model

Do you have your own 3DS authentication engine?*

Do you have your own subscriptions engine?*

Request

Responses

Create payment (tokenless)

This is an On-demand service only available for PCI DSS compliance companies.#

Limitations#

Deferred charges in Peru 🇵🇪#

For Acquiring#

Example: Credit Type 01 (Perú's Issuer Installments)#

For Aggregator model#

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

Do you have your own subscriptions engine?*#

Request

Responses

This is an On-demand service only available for PCI DSS compliance companies.

Limitations

Deferred charges in Peru 🇵🇪

For Acquiring

Example: Credit Type `01` (Perú's Issuer Installments)

For Aggregator model

Do you have your own 3DS authentication engine?*

Do you have your own subscriptions engine?*