Payment Distribution to Bank Accounts

November 15, 2023

Distribute payments to your customers' bank accounts.

Distributing payments by wire transfer means delivering money to bank accounts. In other words, if you already have your customers’ or assistants’ bank information, you can use your Kushki Payout account to deposit money directly in their accounts through wire transfer by using the logic you prefer.

This is ideal for:

Payments for suppliers or sellers
Marketplaces
Delivery applications

Operation details

The disbursement process in Colombia is carried out following the flow that appears below: Merchant > Kushki > Bank > User.

Parameter	Detail
Minimum amount per transaction	1000 COP
Maximum amount per transaction	13,900,000,000 COP (to the same NIT)
Maximum amount per beneficiary	13,900,000,000 COP per day
Processing time with the processor	ACH cycles
API Processing Hours	24/7
Time to approve a transaction from same bank	Immediate
Time to approve a transaction from other banks	Up to 72 hours

Flow

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

Transfer out flow

Here you will learn how to start with payment distribution.

1. Obtain the List of Associated Banks

It is important that you make sure all the banks to which you will make the transfers are in the associated banks list. We recommend you check the information of the list of associated banks using our bank list endpoint.

Javascript
Python
PHP

var request = require('request');
var bankList = [];
var options = {
  'method': 'GET',
  'url': 'https://api-uat.kushkipagos.com/payouts/transfer/v1/bankList', // Test environment
  'headers': {
    'Public-Merchant-Id': '' // Replace with your Public Key
  }
};
request(options, function (error, response) {
  if (error) throw new Error(error);
  console.log(response.body);
  bankList = response.body;
  // Submit your code to filter the bank you need and send its id in token request
});

import requests

url = "https://api-uat.kushkipagos.com/payouts/transfer/v1/bankList" // Test environment
bankList = []

payload = {}
headers = {
  'Public-Merchant-Id': ''  // Replace with your Public Key
}

response = requests.request("GET", url, headers=headers, data = payload)

print(response.text.encode('utf8'))
bankList = response.text

// Submit your code to filter the bank you need and send its id in token request

$client = new http\Client;
$request = new http\Client\Request;
$request->setRequestUrl('https://api-uat.kushkipagos.com/payouts/transfer/v1/bankList'); // Test environment
$request->setRequestMethod('GET');
$request->setOptions(array());
$request->setHeaders(array(
  'Public-Merchant-Id' => '' // Replace with your Public Key
));
$client->enqueue($request)->send();
$response = $client->getResponse();
echo $response->getBody();
bankList = $response->getBody();
// Submit your code to filter the bank you need and send its id in token request

2. Tokenize Data

After obtaining the bank code of the account where the transfer will be received, you have to request a token by using our tokenization endpoint.

Javascript
Python
PHP

var request = require('request');
var options = {
  'method': 'POST',
  'url': 'https://api-uat.kushkipagos.com/payouts/transfer/v1/tokens', // Test environment
  'headers': {
    'Public-Merchant-Id': '', // Replace with your Public Key
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
      "documentNumber":"123456789",
      "accountNumber":"99999",
      "accountType":"CC",
      "bankId":"000051",
      "totalAmount":49.99,
      "documentType":"NIT",
      "currency":"COP",
      "name":"John Doe"
    })

};
request(options, function (error, response) {
  if (error) throw new Error(error);
  console.log(response.body);
  // Submit your code to send the token you received to the next request
});

import requests

url = "https://api-uat.kushkipagos.com/payouts/transfer/v1/tokens" // Test environment

payload = "{\n  \"documentNumber\": \"123456789\",\n  \"accountNumber\": \"99999\",\n  \"accountType\": \"CC\",\n  \"bankId\": \"000051\",\n  \"totalAmount\": 49.99,\n  \"documentType\": \"NIT\",\n  \"currency\": \"COP\",\n \"name\": \"John Doe\"\n}"
headers = {
  'Public-Merchant-Id': '', // Replace with your Public Key
  'Content-Type': 'application/json'
}

response = requests.request("POST", url, headers=headers, data = payload)

print(response.text.encode('utf8'))

// Submit your code to send the token you received to the next request

$client = new http\Client;
$request = new http\Client\Request;
$request->setRequestUrl('https://api-uat.kushkipagos.com/payouts/transfer/v1/tokens'); // Test environment
$request->setRequestMethod('POST');
$body = new http\Message\Body;
$body->append('{
  "documentNumber": "123456789",
  "accountNumber": "99999",
  "accountType": "CC",
  "bankId": "000051",
  "totalAmount": 49.99,
  "documentType": "NIT",
  "currency": "COP",
  "name": "John Doe"
}');
$request->setBody($body);
$request->setOptions(array());
$request->setHeaders(array(
  'Public-Merchant-Id' => '', // Replace with your Public Key
  'Content-Type' => 'application/json'
));
$client->enqueue($request)->send();
$response = $client->getResponse();
echo $response->getBody();
// Submit your code to send the token you received to the next request

3. Initializing the Transaction

In this step, you should have obtained a token and can start the distribution process with Kushki. You have to make a call to our initialization endpoint to start the payment.

Javascript
Python
PHP

var request = require('request');
var options = {
  'method': 'POST',
  'url': 'https://api-uat.kushkipagos.com/payouts/transfer/v1/init', // Test environment
  'headers': {
    'Private-Merchant-Id': '', // Replace with your Private Key
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    "amount":{
    "subtotalIva":0,
        "subtotalIva0":49.99,
        "iva":0
    },
    "token":"53de1cb6bbb54011a0a98053d48677e0" // Replace with the token you received
    })
};
request(options, function (error, response) {
  if (error) throw new Error(error);
  console.log(response.body);
});

import requests

url = "https://api-uat.kushkipagos.com/payouts/transfer/v1/init" // Test environment

payload = "{\n  \"amount\": {\n    \"subtotalIva\": 0,\n    \"subtotalIva0\": 49.99,\n    \"iva\": 0\n  },\n  \"token\": \"53de1cb6bbb54011a0a98053d48677e0\"\n}" // Replace with the token you received
headers = {
  'Private-Merchant-Id': '', // Replace with your Private Key
  'Content-Type': 'application/json'
}

response = requests.request("POST", url, headers=headers, data = payload)

print(response.text.encode('utf8'))

$client = new http\Client;
$request = new http\Client\Request;
$request->setRequestUrl('https://api-uat.kushkipagos.com/payouts/transfer/v1/init'); // Test environment
$request->setRequestMethod('POST');
$body = new http\Message\Body;
$body->append('{
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 49.99,
    "iva": 0
  },
  "token": "53de1cb6bbb54011a0a98053d48677e0" // Replace with the token you received
}');
$request->setBody($body);
$request->setOptions(array());
$request->setHeaders(array(
  'Private-Merchant-Id' => '', // Replace with your Private Key
  'Content-Type' => 'application/json'
));
$client->enqueue($request)->send();
$response = $client->getResponse();
echo $response->getBody();

In the response a ticket number and a status are issued for the transaction.

4. Track the Transaction Status (Optional)

Now that the transfer is about to be processed, you can find out the transaction status via Webhooks or manually, by using our API.

Webhooks

The transaction status is automatically notified at the time when the money has been deposited in the bank account.

API

You can use our Get Status in our API to manually track the status of a specific transaction.

5. Test your Integration

You may use some test identification document numbers in test mode to ensure that your integration is ready.

Approved transaction: 123456789
Declined transaction: 999999990

6. Prepare your Certification

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

Tax calculations must be correct.
Messages displayed on the screen should be aligned with Kushki’s responses.
Save and record all the responses delivered by Kushki (required if you need support).
If there’s no requirement for sending a reference voucher to the customer’s mail, you don’t need to specify an email address in the token request.
If webhook notifications are received correctly, respond to the request with a status 200.
The payment button must be disabled after the first click.
Kushki’s logo must be visible for the customer. You can find our logo in several formats here.
Make sure that in the body of the request all the fields required in the API Reference are included.

Accept Webhooks

Manage correctly post-payment events.

Payment Distribution in Cash

Distribute safely payments in cash.