Receive Wire Transfers

Your customers will be able to use the balance in their bank account to make purchases on your website or application

Web
iOS
Android

Allow your customers to use the available balance in their bank account to purchase your products or services from your website via a wire transfer. To do so, you must obtain the basic data of your paying customers and redirect them to the Wire Transfer System (which can be configured from the administration console) to authorize the debit to their bank account.

The payment flow that you will integrate is as shown below:

Flujo Pago con transferencia (CL-EC-PE) EN

1. Set up your Front-end

The front end is responsible for collecting the user’s card details securely, generating a token for such information through Kushki’s servers, and sending that information to the back end to start the payment process.

For this, you have two options: Kajita and Kushki.js.

Kajita

Kushki has payment forms ready to collect card information securely. You can use any of our versions:

  • Cajita: the first version of the predefined payment form. Not customizable.
  • Kajita: the second version. It allows you to customize your payment forms from your Administration Console and even have several versions of Kajita, for example, one for each payment method.

Create and customize your Kajitas

With Kushki you can create your Kajitas from the Administration Console. Click here to learn how to do this.

Set up Cajita

Embed kushki-checkout.js script in your payment page by adding it to the <head> of your HTML file. Always load kushki-checkout directly from cdn.kushkipagos.com. Never embed the script in a bundle or package, nor host a copy of it.

<head>
<title>Checkout</title>
<script src="https://cdn.kushkipagos.com/kushki-checkout.js"> </script>
</head>

Add Kajita to your website

Kajita needs a space within your page. Enter the following code in your website’s <body>, where you want the payment form to be displayed.

For Kajita (v.2):

<form id="my-form" action="/confirm" method="post">
<input type="hidden" name="cart_id" value="123">
</form>

For Cajita (v.1)

<form id="payment-form" action="/confirm" method="post">
<input type="hidden" name="cart_id" value="123">
</form>

Remember to configure the action of the action form according to the corresponding endpoint in your back end, to obtain the token.

Then, add the script tag.

For the Kajita (v.2) you can obtain such script from your Administration Console as explained here.

<script type="text/javascript">
var kushki = new KushkiCheckout({
kformId: "HmJXukKb5",
form: "my-form",
publicMerchantId: "${publicCfredentialId}",// Reemplaza esto por tu credencial pública
amount: {
subtotalIva: 0,
iva: 0,
subtotalIva0: 1000,
}
});
</script>

For v.1 (Cajita), add the following script, making sure the form has loaded:

<script type="text/javascript">
var kushki = new KushkiCheckout({
form: "payment-form",
merchant_id: "95911a50891s1cb79c0f19dd440b46bd", // Replace this with your Public key
amount: {
"subtotalIva": 0, // Set the value to 0 when the Tx has no taxes
"iva":0, // et the value to 0 when the Tx has no taxes
"subtotalIva0": 100, // Set here the total amount of the transaction when it does not have taxes , otherwise set it to 0
"ice": 0 // Set the value to 0 when the Tx has no ICE
},
currency: "USD",
payment_methods:["transfer"], // You will be able to add more payment methods
inTestEnvironment: true, // Configurado en modo prueba
callback_url: "https://return.com" // URL to redirect the user once the payment process has been completed from their bank.
});
</script>

This will create a predesigned form on your website to accept payments.

Kushki.js

Use Kushki.js if you need more control over the “look & feel” or appearance of your payment form.

Set up Kushki.js

Option 1 - CDN

Use the following script tag at the end of the <body> of your payment page.

<script src="https://cdn.kushkipagos.com/kushki.min.js"></script>
Option 2 - NPM

Install the package from npm.

npm install --save @kushki/js

Then import it into your code using the following code.

import { Kushki } from “@kushki/js”;
Set up Kushki object

Add the following code to your application

const kushki = new Kushki({
merchantId: 'public-merchant-id', // Your public merchant id
inTestEnvironment: true,
});

Request the list of banks

Before generating the token, you can upload the full list of available banks, so that the paying customer can select the entity to make the transfer:

var callback = function(response) {
if(!response.code){
console.log(response);
} else {
console.error('Error: ',response.error, 'Code: ', response.code, 'Message: ',response.message);
}
}
kushki.requestBankList(callback); // Also you can set the function directly

Collect user information and send it to your back-end

First, embed the form in your payment page adding the required fields. You can design it as you prefer.

For example:

<form id="payment-form">
<input placeholder="Nombre" type="text" name="name">
<input placeholder="Tipo de persona" type="text" name="userType">
<input placeholder="CC" type="text" name="DocumentType">
<input placeholder="Número de documento" type="text" name="DocumentNumber">
<input placeholder="Referencia" type="text" name="Reference">
<input placeholder="Descripcion" type="text" name="Description">
<button id="submit">Pay $49.99</button>
</form>

Then, for the moment when the user submits the form, add a token request and send it to your back end.

var callback = function(response) {
if(!response.code){
console.log(response.token);
} else {
console.error('Error: ',response.error, 'Code: ', response.code, 'Message: ',response.message);
}
}
kushki.requestTransferToken({
bankId: '1022', // Required in Colombia. Optional in Chile
callbackUrl: 'http://www.testcallbackurl.com/',
userType: '1',
documentType: 'NIT',
documentNumber: '171054019',
paymentDescription: 'Descripción de la Tx',
email: 'test@test.com',
currency: 'USD',
amount: {
subtotalIva: 0, // Set the value to 0 when the Tx has no taxes
subtotalIva0: 49.99, // et here the total amount of the transaction when it does not have taxes , otherwise set it to 0
iva: 0, // et the value to 0 when the Tx has no taxes
extraTaxes: {
propina: 0,
tasaAeroportuaria: 0,
agenciaDeViajes: 0,
iac: 0
}
}
},
callback); // You can also configure the function directly

2. Set up your Back-end

The back end is responsible for receiving the token obtained from your front end and starting the payment process with Kushki.

When the user submits the form, your front end sends a token to an endpoint that you specified previously. Using this token, you must make a call to our charge endpoint to start the charge process.

  • Javascript
  • Python
  • PHP
var request = require("request");
var options = {
method: 'POST',
headers: ['Private-Merchant-Id': '0c0b08cd92fc491fb37365170164f7e9', // Replace this with your Private Key
'content-type': 'application/json'
]
url: 'https://api-uat.kushkipagos.com/transfer/v1/init', // Ambiente de prueba
headers: {
'content-type': 'application/json'
},
body: {
"token": "b1d6f46f88fe4759aad9ae0e37cdf905",
"amount": {
"subtotalIva": 0,
"subtotalIva0": 49.99,
"iva": 0,
"extraTaxes": {
"propina": 0,
"tasaAeroportuaria": 0,
"agenciaDeViajes": 0,
"iac": 0
}
};
json: true
};
request(options, function(error, response, body) {
if (error) throw new Error(error);
console.log(body);
});
import requests
url = "https://api-uat.kushkipagos.com/transfer/v1/init"
payload = "{\"token\":\"b1d6f46f88fe4759aad9ae0e37cdf905\",\"amount\":{\"subtotalIva\":0,\"subtotalIva0\":49.99,\"iva\":0,\"extraTaxes\":{\"propina\":0,\"tasaAeroportuaria\":0,\"agenciaDeViajes\":0,\"iac\":0}},\"metadata\":{\"userId\":\"IB344\"}}"
headers = {'content-type': 'application/json'}
response = requests.request("POST", url, data=payload, headers=headers)
print(response.text)
$client = new http\Client;
$request = new http\Client\Request;
$body = new http\Message\Body;
$body->append('{"\token":\"b1d6f46f88fe4759aad9ae0e37cdf905\",\"amount\":{\"subtotalIva\":0,\"subtotalIva0\":49.99,\"iva\":0,\"extraTaxes\":{\"propina\":0,\"tasaAeroportuaria\":0,\"agenciaDeViajes\":0,\"iac\":0}},\"metadata\":{\"userId\":\"IB344\"}}');
$request->setRequestUrl('https://api-uat.kushkipagos.com/transfer/v1/init');
$request->setRequestMethod('POST');
$request->setBody($body);
$request->setHeaders(array(
'content-type' => 'application/json'
));
$client->enqueue($request)->send();
$response = $client->getResponse();
echo $response->getBody();

According to the consumption response of the method to initiate the transaction, redirect the user to the URL that Kushki returns from the Wire Transfer System so that they can authenticate in their bank entity and authorize the transaction amount to be debited from the balance of their bank account.

3. Test your Integration

To test your integration, we have a sandbox environment where you can simulate transactions from the Wire Transfer System.

The first step will be to authenticate with the bank entity. Use the following credentials to complete a test wire transfer payment to ensure your integration is ready.

  • Valid RUT: 123456789
  • Password: kushki123
  • Invalid RUT: 9999999990

For the following steps of the payment process, you can use any number from the sandbox, as in the following GIF. Remember that your customers’ actual payment process may vary depending on the bank entity selected.

GIF sistema transferencias chile

4. Prepare your Certification

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

  • The calculation of taxes and the total amount must be the correct amount.
  • Messages displayed on the screen should be aligned with Kushki’s responses.
  • All Kushki responses must be saved and recorded (required in case you need support).
  • In the event of successful receipt of the Webhook notification, respond to the request with a statusCode 200, and inform your customer.
  • The “Pay” button is disabled after the first click.
  • If the result of the transaction is Initialized, a new transaction must not be allowed until approved or rejected.
  • Kushki’s logo must be visible for the customer. You can find our logo in several formats here.
  • Make sure to send all the variables required, specified in the API reference.

Accept Webhooks

Manage correctly post-payment events.

Check the status of your transactions

With the token you received from the front end, you will also be able to check the status of transactions through our API.