Receive Wire Transfers

January 11, 2024

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

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 your paying customer’s email address, generate a Clabe account number to your customer, so that they can go to their bank’s website and complete the wire transfer.

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

Flujo_transfer_MX_EN

1. Set up your Front end

The front end is responsible for collecting the user’s main details, 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: our first version of the payment form. Not customizable.
Kajita: is the second version, which allows you to add customizations from your Administration Console and even have several versions of Kajita, one for each payment method, for example.

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 Cajita to your website

Cajita needs a place to live on your page. Enter the following code in your website’s <body>, where you want the payment form to be displayed.

<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 following script tag. Make sure that the form has been rendered.

<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,
});

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. With this token, you must make a call to our endpoint to obtain the CLABE account code associated with the email address specified by your customer in the form configured in step 1.

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();

In response to this call, show your customer the CLABE number generated along with the payment reference so that they can log in to their bank portal and complete the transfer.

{
  "bank": "STP Processor",
  "referenceNumber": "1111111",
  "referenceProcessor": "641641241726965121",
  "ticketNumber": "1641241726965127",
  "transactionReference": "fb247919-2c5e-4ef2-ab75-21fc38b5a7e4"
}

You will need to show your customer the Clabe (referenceProcessor) so that they can log into their banking portal and complete the transfer. Be sure to save the other information obtained for future reference.

3. Check the transfer status

To find out the status of the bank transfer made by your customer you can use any of these options:

Webhook for one-time payments by wire transfer.
Use the Kushki API reference.

4. Test your Integration

Use the following test data in the UAT environment to make sure your integration is ready.

- Approved transaction: Any valid email.

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.