How do Payments by Wire Transfers Work?

August 28, 2026

We explain how a payment by wire transfer works in Kushki

If your users do not have a credit card or wish to use the available balance in their bank accounts to make an online purchase, the account debit (wire transfer) is the ideal and fast payment option.

Payment process

The payment process by wire transfer consists of allowing your customer to use the available balance in their bank account to pay for a purchase on your website or app. To do so, you must redirect your customer to the website of the bank entity of their choice at checkout to authorize the transaction amount to be debited from their account.

The Flow

The payment process with transfers consists of allowing your customer to use the available balance in their bank account to pay for a purchase on your site or app. To do so, you must redirect your customer to the site of the bank they select at checkout, so they can authorize the debit of the transaction amount from their account.

In Ecuador you can offer transfers through two processors: traditional bank transfer and DeUna!, the digital wallet backed by Banco Pichincha. The integration flow is the same in both cases; the only thing that changes is the way your customer completes the payment.

1. Selection of the payment method

Within your app or website, the user must select transfer as the payment method and fill in the payment form data.

2. Sending the request

Your merchant sends the transfer request to Kushki so it can initiate the transaction.

3. Sending the URL

Kushki confirms the creation of the transaction and returns the URL to which you must redirect the user.

4. Redirection for bank selection

Your merchant redirects the user to the indicated URL, so they can select their bank and make the transfer.

5. Bank portal login and authorization

When the user enters their bank’s site, they authenticate, verify the transaction data (operation description, amount and account to be debited) and accept that the transaction amount be debited from their account balance.

6. Debit confirmation

When the user authorizes the transfer, the bank confirms the result of the operation to Kushki.

7. Kushki notification

Kushki notifies you of the final status of the transaction.

Variant: paying with DeUna!

DeUna! is the digital wallet with the widest adoption in Ecuador. Your customer pays with the balance in their DeUna! account from the app, without registering a card or selecting a bank.

The three payment experiences

A single request returns all three experiences. You decide which one to display, based on the channel your customer is buying through.

DeUna! payment flow

Steps 1, 2, 3, 6 and 7 are identical to the traditional transfer. Steps 4 and 5 change.

4. Displaying the payment experience

Instead of redirecting the user to a bank portal, your merchant displays the experience that matches its channel: render the qr in your checkout, present the redirectUrl as a payment button, or display the referenceCode so the customer can type it into the app.

With the QR and the reference code, the user never leaves your site.

5. Confirmation in the DeUna! app

The user opens DeUna!, verifies the transaction data (merchant, order number and amount) and confirms the payment with their biometrics or PIN. The amount is debited immediately from their account balance.

Render the QR code

The qr field contains a PNG image encoded in Base64, with the data:image/png;base64, prefix already included. You must read the value and render it as an image in your checkout: Kushki does not host the QR image for you.

<!-- The value of `qr` is used directly as the image source -->
<img id="deuna-qr" alt="Scan with DeUna!" />

<script>
  document.getElementById("deuna-qr").src = initResponse.qr;
</script>

Expiration times

The QR, the deep link and the reference code expire in 3 minutes, while the transaction token lasts 30 minutes. Generate the payment experience at the moment your customer is ready to pay, show a countdown on screen, and request a new token if it expires.