How does sending funds to cards work?

July 03, 2025

Introduction

Kushki allows merchants to disburse funds directly to Visa and Mastercard cards in Peru, enabling fast and efficient payments to customers and suppliers. This process, known as Card Payouts, requires prior setup and is available exclusively in Peruvian soles (PEN).

Prerequisites

Before starting to make payments to cards, merchants must:

• Request activation of the Card Payouts service from Kushki.
• Fund their Kushki account with the amount they wish to disburse. Learn how here.
• Select the appropriate integration method:
  • If you are a PCI Compliance merchant, you can implement the direct integration vía API.
  • If you are not PCI Compliance, you can use our frontend library Kushki.js Hosted Fields.

Operational Features

Note: Accreditation times may vary depending on the card-issuing bank.

Process Flow

The fund dispersion process to cards follows these steps:

0. The merchant tops up their balance in Kushki to have available funds for payments.
1. Request submission The merchant sends a payment request specifying the amount and the destination card.
2. Balance verification: Kushki validates that there are sufficient funds and deducts the requested amount.
3. Payment network request: Kushki submits the transfer request to the card networks (Visa/Mastercard). These, in turn, notify the issuer and confirm the transaction.
4. Fund reception: If the transaction is successful, the cardholder receives the money on their card.
5. Brand response: Kushki receives the response from the card brands.
6. Merchant notification: A notification is sent to the merchant with the final status of the transaction.

Webhook Notifications

To improve transaction traceability, Kushki offers the option to send notifications via webhook. This allows merchants to receive automatic updates on the status of each payment made. Learn more here.