Receive Wire Transfers

May 15, 2024

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.

You have two options to integrate: 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 Kajita

Include the 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. Do not include the script in a bundle or package or 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}",// Replace this with your public key
    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, // Set 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, // Configured in test mode
        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: 'cl_bch', // Optional
  callbackUrl: 'http://www.testcallbackurl.com/',
  userType: '1',
  documentType: 'RUT',
  documentNumber: '171054019',
  paymentDescription: 'Description of the payment.',
  email: 'test@test.com',
  currency: 'CLP',
  amount: { 
    subtotalIva: 0, // Set the value to 0 when the Tx has no taxes
    subtotalIva0: 49.99, // Set here the total amount of the transaction when it does not have taxes , otherwise set it to 0 
    iva: 0, // Set 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', // Test environment
        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 test environment where you can simulate transactions from the Bank Transfer System.

The first step is to select “Test Bank” from the list of banks. Use the following data to make a test transfer payment to ensure that your integration is ready.

Approved Transaction

RUT: 11111111-1
Password: 111111
Account: Select the first account
Activation with code: 11111111
Coordinates: 11 11 11
Code by SMS or mail: 111111
Verification: 11

Declined Transaction

RUT: 44444444-4
Password: 444444
Account: Select the first account
Coordinates: 44 44 44
Verification: 44

Below is an example of the bank transfer payment process. Remember that the actual payment process for your customers may vary depending on the bank selected.

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.