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Kushki

Kushki is an Ecuador-headquartered LatAm fintech operating as a regional non-banking acquirer for the Andean and Pacific Alliance markets — Ecuador, Colombia, Peru, Chile, Mexico, and Brazil. The Kushki API unifies card payments, scheduled and one-click subscriptions, bank transfers (PSE, Webpay Transferencia, SPEI, PIX), cash vouchers (OXXO, PagoEfectivo, Boleto), payouts/dispersions, and card-present (Kushki One POS) behind a single REST surface. Authentication is split across a Public-Merchant-Id (used in the browser to tokenize cards) and a Private-Merchant-Id (used server-side to charge). PCI DSS Level 1, 3DS 2.0, multi-layer anti-fraud, hosted fields, Kajita payment forms, Smartlinks, and e-commerce plugins (Shopify, VTEX, WooCommerce, Magento, PrestaShop) round out the platform.

agent ready

Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.

Kin Score

API Evangelist profiles Kushki the way a machine reads it — 87 machine-readable artifacts across 12 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.

Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Kushki scores 59.1/100 (developing), with a separate agent-readiness read of 48/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.

Kin Score

This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 59.1/100 · developing
Contract Quality 18.4 / 25
Developer Ergonomics 14.8 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 2.7 / 13
Governance 10.4 / 12
Discoverability 8.8 / 10
Regulatory · Payments 5.6 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3

How we profile Kushki

Each block below is one kind of artifact we hold for Kushki. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.

APIs 12

Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.

Individual APIs this provider publishes, each with its own machine-readable definition.

Kushki Subscriptions API

Create, update, retrieve, charge, and cancel scheduled card subscriptions and one-click recurring payments. Plans support monthly, weekly, daily, biweekly, quarterly, and yearly...

Kushki Payouts API

Disburse funds to suppliers, partners, payroll, marketplace sellers, and refunds via bank transfer, card push, or cash pickup. Supports same-day and standard rails, batch upload...

Kushki Webhooks

Real-time event notifications for approved, declined, voided, refunded, and captured transactions across every product (card, transfer, cash, subscription, payout). Webhooks shi...

Kushki Branches API

Branch / sucursal management

Kushki Card Present Charges API

Sale, void, and settlement for card-present

Kushki Cash API

Cash voucher generation and lookup

Kushki Charges API

Direct charge against a previously created card token

Kushki Pre-Authorization API

Two-step authorize + capture flow

Kushki Terminals API

Kushki One terminal management

Kushki Tokens API

Card tokenization (client-side via Kushki.js, returns a one-time transactionToken)

Kushki Transfer API

Bank-rail transfer charges

Kushki Voids and Refunds API

Void or refund a previously captured charge

Scroll within the panel for all 12 ·

Open Collections 7

Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Scroll within the panel for all 7 ·

Pricing Plans 1

Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.

Published pricing tiers and plan structures.

Kushki Plans Pricing

6 plans

PLANS

Rate Limits 1

Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.

Documented rate limits and quota policies.

Kushki Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.

Cost, billing, and metering signals for API financial operations.

Features 24

The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.

Notable capabilities this provider offers.

Regional non-banking acquirer covering Ecuador, Colombia, Peru, Chile, Mexico, and Brazil from a single integration
Card tokenization via Kushki.js Hosted Fields, iOS SDK, and Android SDK (PAN never touches the merchant server)
One-step charge and two-step pre-authorization + capture for card-not-present transactions
Deferred / installment payments with merchant-defined months and rate-of-interest
Webpay Plus, Webpay OneClick, and Webpay Transferencia integration on the Chilean rail
3DS 1.0 and 3DS 2.0 issuer authentication, with liability shift handling
Apple Pay support on card-present and card-not-present
PSE bank-transfer flow for Colombia, SPEI for Mexico, PIX for Brazil
Cash voucher generation for OXXO, 7-Eleven, PagoEfectivo, Boleto, and regional correspondent networks
Card-Present POS via Kushki One terminals and the Raw Card Present API with encryption envelope
Payouts (dispersions) to bank accounts, cards, and cash pickup with batch upload and country compliance metadata
Scheduled and one-click subscriptions with monthly / weekly / quarterly / yearly periodicity
Smartlinks shareable payment links for chat, SMS, email, and social channels
Kajita customizable hosted payment form
Payment button hosted redirect flow
Branch / sucursal management for marketplaces, franchises, and aggregators
Webhook notifications with signed payloads, retry policy, and exponential backoff
4+ layer anti-fraud stack (Sift Science, in-house rules, 3DS, velocity checks, behavioural signals)
PCI DSS Level 1 compliance and PCI-compliant Hosted Fields JS library
E-commerce plugins for Shopify, VTEX, WooCommerce, Magento, and PrestaShop
Official SDKs for PHP, iOS (Swift, INTEL + ARM processors), and Android (Kotlin)
UAT sandbox at api-uat.kushkipagos.com with documented test card numbers
Public/private merchant key authentication model (Public-Merchant-Id, Private-Merchant-Id headers)
Status page at status.kushkipagos.com and support knowledge base at soporte.kushkipagos.com

Scroll within the panel for all 24 ·

Semantic Vocabularies 1

JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.

JSON-LD contexts and semantic vocabularies used across these APIs.

Kushki Context

0 classes · 6 properties

JSON-LD

Spectral Rules 2

Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.

Kushki API Rules

5 rules · 3 warnings

SPECTRAL

Kushki API Rules

9 rules · 5 errors · 4 warnings

SPECTRAL

JSON Schema 4

Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.

Standalone JSON Schema definitions for this provider's data models.

Kushki Charge

10 properties

JSON SCHEMA

Kushki Subscription

9 properties

JSON SCHEMA

Kushki Card Token

3 properties

JSON SCHEMA

Kushki Webhook Event

14 properties

JSON SCHEMA

Examples 6

Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.

Example request and response payloads for these APIs.

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Kushki Authentication

apiKey · 2 schemes

SECURITY

Kushki Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.

Recommended x-agentic-access execution contracts for AI agents.

Kushki Agentic Access

28 operations · 20 acting

28 operations · 20 acting

AGENTIC

Use Cases 10

What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.

What developers build with this provider.

LatAm e-commerce checkout with card, cash, and bank transfer in one integration
Marketplace payouts to sellers across Andean and Pacific Alliance countries
SaaS subscription billing with one-click recurring payments
Cross-border ride-hailing, food-delivery, and gig-economy disbursements
Omnichannel retail combining Kushki One POS with e-commerce checkout
Cash-first commerce in markets where cash share remains >40% of consumer payments
Franchise and multi-branch sub-merchant management for regional brands
PIX-first checkout in Brazil with card fallback
PSE bank-transfer integration for Colombian high-ticket purchases
SPEI mass payouts in Mexico for marketplace sellers

Scroll within the panel for all 10 ·

Integrations 15

Pre-built integrations with other platforms tell you where this provider already fits in a stack.

Pre-built integrations with other platforms and tools.

Shopify
VTEX
WooCommerce
Magento
PrestaShop
Webpay (Transbank)
Apple Pay
Sift Science (anti-fraud)
PIX (Banco Central do Brasil)
SPEI (Banco de México)
PSE (ACH Colombia)
OXXO
7-Eleven
PagoEfectivo
Boleto Bancário

Scroll within the panel for all 15 ·

Resources

Every other property we hold for Kushki — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.

Get Started 4

Portal, sign-up, and the first successful call

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Access & Security 3

Authentication, authorization, and security posture

Operate 3

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

Company 3

The organization behind the API

Other 3

Properties that don't map to a standard resource type

← All providers · Data indexed from github.com/api-evangelist/kushki · machine-readable index on apis.io