First Steps

July 03, 2024

Find an overview of the steps you can follow to begin accepting payments with Kushki.

1. Obtain a test account

The first thing you must do to integrate with Kushki is to request a trial account from our [website] (https://www.kushki.com/). Once your application is accepted, through this account you can access the console: an online panel from which you can manage your integration with Kushki for a specific country.

The test account will allow you to:

Make test payments.
Invite team members.
Apply for a real or production account.
Start building your integration.

2. Build your integration

Start building your integration using your test account. Meanwhile, you can start your request for a real or productive account.

2.1. What kind of integrations does Kushki offer?

Find below the integration types that Kushki has designed, so your merchant can receive payments safely, quickly, and smoothly.

In Ecuador, our customers will be able to integrate the following services:

Integration type	Products	Description	Available payment methods
Payment forms and buttons	Kajita Technical documentation API Documentation	You can create customized forms to receive payments from the store of your merchant or your web app in a simple, fast and secure way. This is the second version of the payment form.	One-time debit card payments in local currency. One-time credit card payments in local currency (USD). Deferred payments with credit card in local currency (USD). Non-interest-bearing months with a credit card. Non-interest-bearing months with a credit card. Interest-bearing months with a credit card. Grace periods or skip payments. One-time transfer payments. Receipt of cash payments. Scheduled and One-Click charges. OTP PIN Authentication. Anti-fraud system.
Payment forms and buttons	Payment button Technical documentation API Documentation	You will have a payment button with which you can easily integrate Kushki’s payment methods into your merchant’s platform or application; with this, you can redirect your customers to a Kushki portal, which offers you complete security.	One-time debit and credit card payments in local currency (USD). Deferred payments with credit card in local currency (USD). Non-interest-bearing months with a credit card. Interest-bearing months with a credit card. Grace periods or skip payments. Anti-fraud system. OTP PIN Authentication. Receipt of cash payments. Receipt of transfer payments.
Payment Links	Smartlinks Technical documentation API Documentation	It corresponds to a dynamic payment link that you can customize to make payments quickly and securely. This way, you can decentralize sales and get paid online through an easy implementation.	One-time debit and credit card payments in local currency (USD). Deferred payments with credit card in local currency (USD). Non-interest-bearing months with a credit card. Interest-bearing months with a credit card. Grace periods or skip payments. OTP PIN Authentication. Scheduled and One-Click charges in local currency. Receipt of cash payments. Receipt of transfer payments.
Libraries	Kushki JS API Documentation	JavaScript library for creating custom payment flows.	One-time debit and credit card payments in local currency (USD). Deferred payments with credit card in local currency (USD). Non-interest-bearing months with a credit card. Interest-bearing months with a credit card. Grace periods or skip payments. OTP PIN Authentication. Scheduled and One-Click charges in local currency (USD). Anti-fraud system. Receipt of cash payments. Receipt of transfer payments.
Libraries	iOS Library API Documentation	Kushki library for iOS that allows your merchant to easily and securely collect payments in an iOS mobile app.	One-time debit and credit card payments in local currency (USD). Deferred payments with credit card in local currency (USD). Non-interest-bearing months with a credit card. Interest-bearing months with a credit card. Grace periods or skip payments. OTP PIN Authentication. Scheduled and One-Click charges in local currency (USD). Receipt of cash payments. Receipt of transfer payments.
Libraries	Android Library API Documentation	Kushki library for Android that allows your merchant to easily and securely collect payments from an Android mobile app.	One-time debit and credit card payments in local currency (USD). Deferred payments with credit card in local currency (USD). Non-interest-bearing months with a credit card. Interest-bearing months with a credit card. Grace periods or skip payments. OTP PIN Authentication. Scheduled and One-Click charges in local currency (USD). Receipt of cash payments. Receipt of transfer payments.
Plugins	WooCommerce Technical Documentation	Open source e-commerce plugin, which was designed for WordPress, and allows your merchant to make online sales.	Credit and debit card payments. Cash payments. Transfers. Deferred payments. Interest-bearing months with a credit card. Non-interest-bearing months with a credit card. Grace periods or skip payments. OTP PIN Authentication. Total refunds. Scheduled debit card charges.
Plugins	Prestashop Technical Documentation	Plugin for your Prestashop merchant’s store, which allows you to receive payments with availability in several countries.	One-time debit and credit card payments in local currency (USD). Deferred payments with credit card in local currency (USD). Non-interest-bearing months with a credit card. Interest-bearing months with a credit card. Grace periods or skip payments. Scheduled debit card charges. OTP PIN Authentication. Total refunds. Receipt of cash payments. Receipt of transfer payments. Anti-fraud system.
Plugins	Magento Technical Documentation	With the Kushki plugin enabled for both versions of this e-commerce platform (Magento Open Source - Adobe Commerce), your merchant can receive secure payments by credit and debit card, cash and transfers.	One-time debit and credit card payments in local currency (USD). Deferred payments with credit card in local currency (USD). Non-interest-bearing months with a credit card. Interest-bearing months with a credit card. Grace period or skip payments. OTP and 3DS Authentication. Total refunds. Receipt of cash payments. Receipt of transfer payments. Same day and total cancellations in local currency.
Plugins	Shopify Technical Documentation	Through Shopify e-commerce, you can have a Kushki plugin enabled so that your merchant can simplify the checkout process for your customers.	Credit and debit card payments. Deferred credit card payments in local currency (USD). Non-interest-bearing months with a credit card. Interest-bearing months with a credit card. Grace periods or skip payments. Cash payments. Transfers. OTP and 3DS Authentication. Sift Science Anti-fraud system. Total refunds
Plugins	VTEX Technical Documentation	With the Kushki plugin in your VTEX store, your merchant can receive or make payments with credit cards, debit cards, cash and transfers.	Cash payments. Transfers. Cancellations. Debit and credit card payments. Deferred credit card payments in local currency. Non-interest-bearing months with a credit card. Interest-bearing months with a credit card. OTP and 3DS Authentication. Total refunds in local currency for card payments. Scheduled recurring charges (coming soon). Anti-fraud system.

Build your integration to suit your business needs:

Quick Start

Check out a summary of what you need to start receiving payments through Kushki

Payments glossary

Check the terminology used in the payment industry for a better understanding of the products we offer.

One-time card payments

Receive one-time card payments securely with our authentications

Recurring card payments

Receive scheduled billing (subscriptions) and one click payments by card

Payments by wire transfer

Receive payments through bank transfers from your customers

Cash payments

Accept cash payments from your customers through cash pickup points

Plugins

Accept payments in WooCommerce, PrestaShop, and other e-commerce platforms.

Payment forms and buttons

Implement payments with Kajita or payment button, features that you can customize with your logo and corporate colors.

Payment Links

Process payments through channels such as chats and social media without writing single line of code

Notifications

Receive information about your business in real time.

3. Apply to a productive account

A real account allows you to accept payments from your customers via Kushki. As Kushki is a payment provider and acquirer, we have the legal responsibility to perform detailed checks when you request a real or productive account.

Before applying to a productive account:

Prepare your application for a real account.
Make sure you have been in touch with a sales contact.

You can apply to a real account directly from your Kushki test console.

While you wait for our commercial and risk approval, you can work on building your integration by using your test account. However, you may want to wait for the result of the application to be confirmed.

4. Certify your integration

Once your application has been approved, you must certify your integration. To do so, the assigned account executive will contact your merchant to coordinate the review of your integration. In this review, one of our integration engineers will be in charge of testing to ensure that the integration is performed correctly, following the indications of the integration checklist. Follow the steps detailed in our guides to prepare your certification.

Once your certification is approved, you will be given the credentials for your production account via email. Follow the instructions in the email to log in to your account.

5. Set up your productive account

To begin accepting real payments using your real account, you must configure it first. The configuration in your test account is not copied to your productive or real account.

Follow our [Productive account step-by-step guide] (/getting-started/go-live) for more details on the configuration that you should take in to account.

Frequently Asked Questions

Check our quick answers to a list of frequently asked questions.

Payments Glossary

Check some general terms used in the payment industry that will help you to demystify the world of payments.