{"componentChunkName":"component---src-templates-article-template-tsx","path":"/co/apm/overview","result":{"data":{"article":{"title":"¿Cómo funcionan los pagos con APM?","subtitle":"Te explicamos cómo funcionan los métodos alternativos de pago (APM) y el flujo multiprocesador en Kushki","fullWidth":null,"hero":null,"heroTextColor":null,"heroImg":null,"content":[{"body":{"childMdx":{"body":"var _excluded = [\"components\"];\nfunction _extends() { _extends = Object.assign ? Object.assign.bind() : function (target) { for (var i = 1; i < arguments.length; i++) { var source = arguments[i]; for (var key in source) { if (Object.prototype.hasOwnProperty.call(source, key)) { target[key] = source[key]; } } } return target; }; return _extends.apply(this, arguments); }\nfunction _objectWithoutProperties(source, excluded) { if (source == null) return {}; var target = _objectWithoutPropertiesLoose(source, excluded); var key, i; if (Object.getOwnPropertySymbols) { var sourceSymbolKeys = Object.getOwnPropertySymbols(source); for (i = 0; i < sourceSymbolKeys.length; i++) { key = sourceSymbolKeys[i]; if (excluded.indexOf(key) >= 0) continue; if (!Object.prototype.propertyIsEnumerable.call(source, key)) continue; target[key] = source[key]; } } return target; }\nfunction _objectWithoutPropertiesLoose(source, excluded) { if (source == null) return {}; var target = {}; var sourceKeys = Object.keys(source); var key, i; for (i = 0; i < sourceKeys.length; i++) { key = sourceKeys[i]; if (excluded.indexOf(key) >= 0) continue; target[key] = source[key]; } return target; }\n/* @jsxRuntime classic */\n/* @jsx mdx */\n\nvar _frontmatter = {};\nvar makeShortcode = function makeShortcode(name) {\n  return function MDXDefaultShortcode(props) {\n    console.warn(\"Component \" + name + \" was not imported, exported, or provided by MDXProvider as global scope\");\n    return mdx(\"div\", props);\n  };\n};\nvar Aside = makeShortcode(\"Aside\");\nvar NextStep = makeShortcode(\"NextStep\");\nvar layoutProps = {\n  _frontmatter: _frontmatter\n};\nvar MDXLayout = \"wrapper\";\nreturn function MDXContent(_ref) {\n  var components = _ref.components,\n    props = _objectWithoutProperties(_ref, _excluded);\n  return mdx(MDXLayout, _extends({}, layoutProps, props, {\n    components: components,\n    mdxType: \"MDXLayout\"\n  }), mdx(Aside, {\n    type: \"danger\",\n    title: \"\\uD83D\\uDEA7 Early Release \\u2014 Beta\",\n    mdxType: \"Aside\"\n  }, mdx(\"p\", null, mdx(\"strong\", {\n    parentName: \"p\"\n  }, \"Este producto est\\xE1 en acceso temprano\"), \". Los par\\xE1metros, estructuras de respuesta y comportamientos pueden cambiar sin previo aviso. \", mdx(\"strong\", {\n    parentName: \"p\"\n  }, \"No\"), \" uses esta versi\\xF3n en producci\\xF3n sin coordinarlo previamente con el equipo de integraciones de Kushki.\")), mdx(\"p\", null, mdx(\"em\", {\n    parentName: \"p\"\n  }, \"Te explicamos c\\xF3mo funcionan los m\\xE9todos alternativos de pago (APM) y el flujo multiprocesador en Kushki\")), mdx(\"p\", null, \"Los \", mdx(\"strong\", {\n    parentName: \"p\"\n  }, \"m\\xE9todos alternativos de pago (APM)\"), \" permiten a tus clientes pagar sin tarjeta, con rieles de pago en tiempo real. En Colombia hoy puedes aceptar pagos con \", mdx(\"strong\", {\n    parentName: \"p\"\n  }, \"Bre-B\"), \": el cliente escanea un c\\xF3digo QR desde su app bancaria y autoriza el pago al instante.\"), mdx(\"p\", null, \"Los APM funcionan con un \", mdx(\"strong\", {\n    parentName: \"p\"\n  }, \"flujo multiprocesador\"), \": una sola integraci\\xF3n con la API de Kushki, en la que \", mdx(\"strong\", {\n    parentName: \"p\"\n  }, \"el procesador que uses en cada transacci\\xF3n define c\\xF3mo integras y c\\xF3mo paga tu cliente\"), \". Tu comercio puede tener habilitado uno o varios procesadores, y a medida que se habiliten m\\xE1s, tu integraci\\xF3n no cambia: solo consultas qu\\xE9 procesadores tienes y armas el token seg\\xFAn cada uno.\"), mdx(Aside, {\n    type: \"info\",\n    title: \"\\xBFBuscas pagos con PSE?\",\n    mdxType: \"Aside\"\n  }, mdx(\"p\", null, \"PSE es la integraci\\xF3n tradicional de transferencias bancarias y no cambia. Consulta \", mdx(\"a\", {\n    parentName: \"p\",\n    \"href\": \"https://docs.kushki.com/co/transfer-payments/accept-a-payment\"\n  }, \"Recibe transferencias bancarias\"), \".\")), mdx(Aside, {\n    type: \"warning\",\n    title: \"Disponible solo para integraciones 100% API\",\n    mdxType: \"Aside\"\n  }, mdx(\"p\", null, \"El flujo multiprocesador aplica a integraciones directas con la API: \", mdx(\"strong\", {\n    parentName: \"p\"\n  }, \"el token se solicita desde tu backend\"), \". 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\"processor\"), \" y luego inicias la transacci\\xF3n.\"), mdx(\"li\", {\n    parentName: \"ol\"\n  }, \"Kushki responde con un \", mdx(\"strong\", {\n    parentName: \"li\"\n  }, \"c\\xF3digo QR\"), \" (base64) que muestras a tu cliente.\"), mdx(\"li\", {\n    parentName: \"ol\"\n  }, \"Tu cliente lo escanea desde su app bancaria y autoriza el pago en tiempo real. El QR vence en \", mdx(\"strong\", {\n    parentName: \"li\"\n  }, \"10 minutos\"), \" y puedes cancelar la transacci\\xF3n mientras no tenga estado final.\"), mdx(\"li\", {\n    parentName: \"ol\"\n  }, \"Recibes el estado final por webhook o consult\\xE1ndolo con Get Status.\")), mdx(\"p\", null, \"La gu\\xEDa completa est\\xE1 en \", mdx(\"a\", {\n    parentName: \"p\",\n    \"href\": \"https://docs.kushki.com/co/apm/bre-b-payments\"\n  }, \"Acepta pagos con Bre-B\"), \".\"), mdx(\"h2\", {\n    \"id\": \"arma-el-token-según-el-procesador\",\n    \"style\": {\n      \"position\": \"relative\"\n    }\n  }, mdx(\"a\", {\n    parentName: \"h2\",\n    \"href\": \"#arma-el-token-seg%C3%BAn-el-procesador\",\n    \"aria-label\": \"arma el token según el procesador permalink\",\n    \"className\": \"anchor before\"\n  }, mdx(\"svg\", {\n    parentName: \"a\",\n    \"aria-hidden\": \"true\",\n    \"focusable\": \"false\",\n    \"height\": \"16\",\n    \"version\": \"1.1\",\n    \"viewBox\": \"0 0 16 16\",\n    \"width\": \"16\"\n  }, mdx(\"path\", {\n    parentName: \"svg\",\n    \"fillRule\": \"evenodd\",\n    \"d\": \"M4 9h1v1H4c-1.5 0-3-1.69-3-3.5S2.55 3 4 3h4c1.45 0 3 1.69 3 3.5 0 1.41-.91 2.72-2 3.25V8.59c.58-.45 1-1.27 1-2.09C10 5.22 8.98 4 8 4H4c-.98 0-2 1.22-2 2.5S3 9 4 9zm9-3h-1v1h1c1 0 2 1.22 2 2.5S13.98 12 13 12H9c-.98 0-2-1.22-2-2.5 0-.83.42-1.64 1-2.09V6.25c-1.09.53-2 1.84-2 3.25C6 11.31 7.55 13 9 13h4c1.45 0 3-1.69 3-3.5S14.5 6 13 6z\"\n  }))), \"Arma el token seg\\xFAn el procesador\"), mdx(\"table\", null, mdx(\"thead\", {\n    parentName: \"table\"\n  }, mdx(\"tr\", {\n    parentName: \"thead\"\n  }, mdx(\"th\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Caso\"), mdx(\"th\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, mdx(\"inlineCode\", {\n    parentName: \"th\"\n  }, \"processor\")), mdx(\"th\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Requeridos\"), mdx(\"th\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Notas\"))), mdx(\"tbody\", {\n    parentName: \"table\"\n  }, mdx(\"tr\", {\n    parentName: \"tbody\"\n  }, mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Bre-B QR\"), mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"{ \\\"name\\\": \\\"Bre-B Credibanco Processor\\\", \\\"flowType\\\": \\\"QR\\\" }\")), mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"amount\"), \", \", mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"currency\"), \", \", mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"processor\")), mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"bankId\"), \" \", mdx(\"strong\", {\n    parentName: \"td\"\n  }, \"no aplica\"), \"; los dem\\xE1s campos son opcionales.\")))), mdx(\"p\", null, \"El objeto \", mdx(\"inlineCode\", {\n    parentName: \"p\"\n  }, \"processor\"), \" no admite propiedades adicionales (produce \", mdx(\"inlineCode\", {\n    parentName: \"p\"\n  }, \"400\"), \") y \", mdx(\"inlineCode\", {\n    parentName: \"p\"\n  }, \"flowType\"), \" \", mdx(\"strong\", {\n    parentName: \"p\"\n  }, \"no tiene valor por defecto\"), \": sus valores se copian de la consulta de procesadores, sin alias.\"), mdx(\"h3\", {\n    \"id\": \"reglas-condicionales-para-cop\",\n    \"style\": {\n      \"position\": \"relative\"\n    }\n  }, mdx(\"a\", {\n    parentName: \"h3\",\n    \"href\": \"#reglas-condicionales-para-cop\",\n    \"aria-label\": \"reglas condicionales para cop permalink\",\n    \"className\": \"anchor before\"\n  }, mdx(\"svg\", {\n    parentName: \"a\",\n    \"aria-hidden\": \"true\",\n    \"focusable\": \"false\",\n    \"height\": \"16\",\n    \"version\": \"1.1\",\n    \"viewBox\": \"0 0 16 16\",\n    \"width\": \"16\"\n  }, mdx(\"path\", {\n    parentName: \"svg\",\n    \"fillRule\": \"evenodd\",\n    \"d\": \"M4 9h1v1H4c-1.5 0-3-1.69-3-3.5S2.55 3 4 3h4c1.45 0 3 1.69 3 3.5 0 1.41-.91 2.72-2 3.25V8.59c.58-.45 1-1.27 1-2.09C10 5.22 8.98 4 8 4H4c-.98 0-2 1.22-2 2.5S3 9 4 9zm9-3h-1v1h1c1 0 2 1.22 2 2.5S13.98 12 13 12H9c-.98 0-2-1.22-2-2.5 0-.83.42-1.64 1-2.09V6.25c-1.09.53-2 1.84-2 3.25C6 11.31 7.55 13 9 13h4c1.45 0 3-1.69 3-3.5S14.5 6 13 6z\"\n  }))), \"Reglas condicionales para COP\"), mdx(\"p\", null, \"Aplican siempre que env\\xEDes estos campos opcionales:\"), mdx(\"table\", null, mdx(\"thead\", {\n    parentName: \"table\"\n  }, mdx(\"tr\", {\n    parentName: \"thead\"\n  }, mdx(\"th\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Condici\\xF3n\"), mdx(\"th\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Regla\"))), mdx(\"tbody\", {\n    parentName: \"table\"\n  }, mdx(\"tr\", {\n    parentName: \"tbody\"\n  }, mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"userType: \\\"1\\\"\"), \" (persona jur\\xEDdica)\"), mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"documentType\"), \" debe ser \", mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"\\\"NIT\\\"\"), \".\")), mdx(\"tr\", {\n    parentName: \"tbody\"\n  }, mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"userType: \\\"0\\\"\"), \" (persona natural)\"), mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"documentType\"), \" no puede ser \", mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"\\\"NIT\\\"\"), \".\")), mdx(\"tr\", {\n    parentName: \"tbody\"\n  }, mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"documentType: \\\"PP\\\"\"), \" (pasaporte)\"), mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"documentNumber\"), \" alfanum\\xE9rico, m\\xEDnimo 6 (\", mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"^[0-9a-zA-Z]{6,}$\"), \").\")), mdx(\"tr\", {\n    parentName: \"tbody\"\n  }, mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Cualquier otro \", mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"documentType\")), mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"documentNumber\"), \" solo d\\xEDgitos, m\\xEDnimo 6 (\", mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"^[0-9]{6,}$\"), \").\")))), mdx(\"h2\", {\n    \"id\": \"compatibilidad-token--procesador\",\n    \"style\": {\n      \"position\": \"relative\"\n    }\n  }, mdx(\"a\", {\n    parentName: \"h2\",\n    \"href\": \"#compatibilidad-token--procesador\",\n    \"aria-label\": \"compatibilidad token  procesador permalink\",\n    \"className\": \"anchor before\"\n  }, mdx(\"svg\", {\n    parentName: \"a\",\n    \"aria-hidden\": \"true\",\n    \"focusable\": \"false\",\n    \"height\": \"16\",\n    \"version\": \"1.1\",\n    \"viewBox\": \"0 0 16 16\",\n    \"width\": \"16\"\n  }, mdx(\"path\", {\n    parentName: \"svg\",\n    \"fillRule\": \"evenodd\",\n    \"d\": \"M4 9h1v1H4c-1.5 0-3-1.69-3-3.5S2.55 3 4 3h4c1.45 0 3 1.69 3 3.5 0 1.41-.91 2.72-2 3.25V8.59c.58-.45 1-1.27 1-2.09C10 5.22 8.98 4 8 4H4c-.98 0-2 1.22-2 2.5S3 9 4 9zm9-3h-1v1h1c1 0 2 1.22 2 2.5S13.98 12 13 12H9c-.98 0-2-1.22-2-2.5 0-.83.42-1.64 1-2.09V6.25c-1.09.53-2 1.84-2 3.25C6 11.31 7.55 13 9 13h4c1.45 0 3-1.69 3-3.5S14.5 6 13 6z\"\n  }))), \"Compatibilidad token \\u2194 procesador\"), mdx(\"p\", null, \"El token queda \", mdx(\"strong\", {\n    parentName: \"p\"\n  }, \"ligado al procesador\"), \" con el que fue generado; \", mdx(\"inlineCode\", {\n    parentName: \"p\"\n  }, \"POST /transfer/v1/init\"), \" lo valida:\"), mdx(\"table\", null, mdx(\"thead\", {\n    parentName: \"table\"\n  }, mdx(\"tr\", {\n    parentName: \"thead\"\n  }, mdx(\"th\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Token generado\"), mdx(\"th\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Procesador del comercio\"), mdx(\"th\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Resultado\"))), mdx(\"tbody\", {\n    parentName: \"table\"\n  }, mdx(\"tr\", {\n    parentName: \"tbody\"\n  }, mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Con \", mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"processor\"), \" Bre-B\"), mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Bre-B\"), mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Contin\\xFAa (la respuesta trae \", mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"qr\"), \").\")), mdx(\"tr\", {\n    parentName: \"tbody\"\n  }, mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Con \", mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"processor\")), mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Otro procesador\"), mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"422 E046\"), \".\")), mdx(\"tr\", {\n    parentName: \"tbody\"\n  }, mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Sin \", mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"processor\")), mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Bre-B\"), mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"422 E046\"), \".\")), mdx(\"tr\", {\n    parentName: \"tbody\"\n  }, mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Con \", mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"processor\"), \" Bre-B\"), mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, \"Bre-B sin llaves configuradas\"), mdx(\"td\", {\n    parentName: \"tr\",\n    \"align\": \"left\"\n  }, mdx(\"inlineCode\", {\n    parentName: \"td\"\n  }, \"404 E049\"), \".\")))), mdx(\"p\", null, \"Si recibes \", mdx(\"inlineCode\", {\n    parentName: \"p\"\n  }, \"E046\"), \", revisa la consulta de procesadores y regenera el token con el procesador correcto. Los errores de cada caso est\\xE1n en la secci\\xF3n \", mdx(\"strong\", {\n    parentName: \"p\"\n  }, \"Errores\"), \" de la gu\\xEDa \", mdx(\"a\", {\n    parentName: \"p\",\n    \"href\": \"https://docs.kushki.com/co/apm/bre-b-payments\"\n  }, \"Acepta pagos con Bre-B\"), \".\"), mdx(\"h2\", {\n    \"id\": \"integra-cada-procesador\",\n    \"style\": {\n      \"position\": \"relative\"\n    }\n  }, mdx(\"a\", {\n    parentName: \"h2\",\n    \"href\": \"#integra-cada-procesador\",\n    \"aria-label\": \"integra cada procesador permalink\",\n    \"className\": \"anchor before\"\n  }, mdx(\"svg\", {\n    parentName: \"a\",\n    \"aria-hidden\": \"true\",\n    \"focusable\": \"false\",\n    \"height\": \"16\",\n    \"version\": \"1.1\",\n    \"viewBox\": \"0 0 16 16\",\n    \"width\": \"16\"\n  }, mdx(\"path\", {\n    parentName: \"svg\",\n    \"fillRule\": \"evenodd\",\n    \"d\": \"M4 9h1v1H4c-1.5 0-3-1.69-3-3.5S2.55 3 4 3h4c1.45 0 3 1.69 3 3.5 0 1.41-.91 2.72-2 3.25V8.59c.58-.45 1-1.27 1-2.09C10 5.22 8.98 4 8 4H4c-.98 0-2 1.22-2 2.5S3 9 4 9zm9-3h-1v1h1c1 0 2 1.22 2 2.5S13.98 12 13 12H9c-.98 0-2-1.22-2-2.5 0-.83.42-1.64 1-2.09V6.25c-1.09.53-2 1.84-2 3.25C6 11.31 7.55 13 9 13h4c1.45 0 3-1.69 3-3.5S14.5 6 13 6z\"\n  }))), \"Integra cada procesador\"), mdx(NextStep, {\n    title: \"Acepta pagos con Bre-B\",\n    link: \"/apm/bre-b-payments\",\n    side: \"left\",\n    type: \"recommended\",\n    mdxType: \"NextStep\"\n  }, mdx(\"p\", null, \"Integraci\\xF3n del pago con c\\xF3digo QR en tiempo real\")));\n}\n;\nMDXContent.isMDXComponent = true;","excerpt":"Este producto está en acceso temprano . Los parámetros, estructuras de respuesta y comportamientos pueden cambiar sin previo aviso.  No…","timeToRead":2,"tableOfContents":{"items":[{"url":"#el-modelo-consulta-tus-procesadores","title":"El modelo: consulta tus procesadores"},{"url":"#el-flujo-de-punta-a-punta","title":"El flujo, de punta a punta"},{"url":"#procesadores-disponibles","title":"Procesadores disponibles","items":[{"url":"#bre-b--pago-con-código-qr-en-tiempo-real","title":"Bre-B — pago con código QR en tiempo real"}]},{"url":"#arma-el-token-según-el-procesador","title":"Arma el token según el procesador","items":[{"url":"#reglas-condicionales-para-cop","title":"Reglas condicionales para COP"}]},{"url":"#compatibilidad-token--procesador","title":"Compatibilidad token ↔ procesador"},{"url":"#integra-cada-procesador","title":"Integra cada procesador"}]}}},"updatedAt":"16 octubre 2026","tabTitle":null}]}},"pageContext":{"country":"co","id":"245f1dec-6aba-5503-ae2e-9fab4b10d448","locale":"es","localeDateFormat":"DD MMMM YYYY"}},"staticQueryHashes":["1632712422","2408418099","63159454"]}