Cancel payments

March 26, 2025

This functionality is available for the following models:

☑ Acquirer
☐ Aggregator

When processing card-present payments with Kushki, you can process refunds, voids, or reversals for debit cards and credit cards in an approved status. Once the refund, void, or reversal is approved, the funds will be returned to your customer’s bank account.

Environments

Make all necessary adjustments to your system by testing in the dev environment. Remember that no real transactions will be processed in this environment.

When you are ready, you can switch to the live environment to process real transactions.

Environment	Base URL	Availability
`dev`	https://api-uat.kushkipagos.com	Cloud Terminal API and Raw Card-Present API
`live`	https://api.kushkipagos.com	Cloud Terminal API and Raw Card-Present API

Cloud Terminal API and Raw Card-Present API

How do voids and refunds work?

Through the card-present service, you can perform the following actions based on your business needs:

Service Type	Description
Reversal	This occurs when there is an issue in processing the transaction, and it is unclear whether the charge was made. This can happen due to a timeout issue.
Void	This occurs when it is known that the transaction was successfully processed, but a void request is required. A void is processed when the refund request is made on the same day as the transaction, before 11:59 PM (approximate time). This time depends on the processor’s cutoff. Up to 3 attempts are made to return the charge with the processor. Once the void is approved, the charge will be removed from your customer’s statement, and the deducted amount will be refunded.
Refund	This occurs when the transaction was successfully processed, but a refund request is required. A refund is processed when: - The request is made after 11:59 PM (approximate time) on the approval date of the transaction. - The void request exceeded three attempts. - The refund request was made on a different day than the original transaction. - The maximum time allowed for a refund is 120 days.

Refunds generated fall into two categories (voids or refunds), depending on the day and time the original transaction was processed and the time the void was generated. You can also request a transaction void (reversal) in case of communication issues where you need to validate whether the transaction was approved or declined.

Here is how these services are processed:

Processing Reversals

If there are communication issues and you need to validate whether a transaction was approved or declined, you can perform a reverse operation to cancel a transaction.

To reverse a transaction, you need to call the endpoint https://api-uat.kushkipagos.com/pos/v1/transaction and send Reverse in the transaction_mode field, along with the client_transaction_id of the transaction you want to reverse as part of the request body. Please follow the steps in the guide available in the API.

{
  "card": {
    "card_holder_name": "Jhon Doe"
  },
  "amount": {
    "iva": 0,
    "tip": 130,
    "currency": "CLP",
    "extra_taxes": {},
    "subtotal_iva": 0,
    "subtotal_iva0": 2000
  },
  "country": "CHL",
  "isDeferred": false,
  "is_cashback": false,
  "pos_details": {
    "brand": "SUNMI",
    "model": "P2-EU",
    "version": "Kushki SunmiV1.1.18",
    "location": {
      "latitude": -1.2253600000000002,
      "longitude": -78.61997
    },
    "has_print": true,
    "terminal_id": "PB04209860189"
  },
  "card_details": {
    "tracks": {
      "track_ksn": "FFFF4357486333600003",
      "enc_track2": "2C5E3DC796759FAB00BB11163CC4B69B"
    },
    "enc_tlv": "E9BCEC77FACD77F942E433BE6CD27068F09ADFA082B6AE478D9BDA4EEEAFD3765300FD2EF030CD3A8DD9624E04CDFBC60B4206B9587A1A0DB5820D87D3ACAB9F8B14B35A8B8D7307AEBDCFD9D5DD8EB5DC7BFB729A1E6ABAC08D5C5A064F590F414D560C3EE964449B40D24B09703AE38FF45F328CC03A8A3ABCFBCDF0AFBCDAB674C87AC66CD842E7E9C36B6826ECAC8EB32E5E036787D4B50CD8C43F0C89918A23C396AEE4096805AE52DF13B343A6FDAC864CB27593C65B39B02239B707554357675ED96C3859",
    "pin_ksn": "FFFF4357486333600003",
    "reading_type": "ICC"
  },
  "contact_details": {
    "email": "",
    "last_name": "",
    "first_name": "",
    "phone_number": "",
    "document_type": "0",
    "document_number": "1111111",
    "second_last_name": ""
  },
   "transaction_mode": "Reverse",
   "transaction_type": "charge",
  "client_transaction_id": "cffd9e13-993d-4d8b-9862-3ac4c0f63dec"
}

The reversal will always be processed for the full amount of the original transaction, regardless of the amount specified in the reversal request.

Processing Voids

A void occurs when the refund request is processed on the same day as the original transaction, before 11:59 PM (approximate time). When processing a void, Kushki makes three attempts to return the charge with the processor. If successful, the purchase will disappear from your customer’s statement, and the funds will be returned upon approval.

Anulaciones tarjeta presente

You can void the authorization or an order identified by its transaction reference number transaction_reference. This field is provided when a payment or a deferred payment is successfully made.

To void transactions, you must call the endpoint https://api-uat.kushkipagos.com/pos/v1/transaction, send charge in the transaction_type field, Void in the transaction_mode field, and include the transaction_reference of the transaction you want to void as part of the request body. Please follow the steps outlined in the Kushki API documentation.