One-time payments

The One-Time Payments endpoint processes card-present charges directly from your POS terminal in Chile. A single endpoint handles all reading channels and charge variants: standard charges, deferred installments (Cuotas Comercio and Cuotas Emisor), cashback, and tip.

Charge types

Type	How to trigger
Single charge	`transaction_type: "charge"`, `transaction_mode: "Authorization"`
Cuotas Emisor (Issuer Installments)	Same as above + `is_deferred: true` + `deferred.months`
Cuotas Comercio (Merchant Installments)	Same as above + `is_deferred: true` + `deferred.months` + `deferred.credit_type: "03"`
Cashback	Same as single charge + `is_cashback: true` + `cashback_amount`
Tip	Same as single charge + `amount.tip`

Reading channels

Value	Channel
`ICC`	Chip (Integrated Circuit Card)
`MCR`	Magnetic stripe
`NFC`	Contactless

Single charge

Request fields vary slightly depending on the reading channel (card_details.reading_type) — select a tab below to see the exact fields for chip (ICC), magnetic stripe (MCR), or contactless (NFC).

ICC (Chip)

MCR (Magnetic stripe)

NFC (Contactless)

{
"amount": {
"currency": "CLP",
"iva": 0,
"subtotal_iva": 0,
"subtotal_iva0": 60000,
"tip": 0,
"extra_taxes": {
  "airport_tax": 0,
  "iac": 0,
  "ice": 0,
  "travel_agency": 0
}
},
"card_details": {
"enc_tlv": "CE447A062C49774934E42A7F826668C0C478E38402C158062EE794C0E471B43EA8CE49C256C2C8B157526B0B2BE74FC23F65E18D4F52B99A1A0910E6CCD9B11A32D6D537E2B6E2B011C89569DE6A3D53318080BC77E0E70B398ED3083FD7366CCF8FB4DBF34A116E6D52CFBEF26371878D842034E5029EF62DF235D2C427F04102E451773D9E8975978917E3BC531327702967052E239F8C592734AE14688E603C52B858FC1D97B763AE623603F1475FFFB065EC07AF7A29",
"pin_ksn": "FFFF4357486333600002",
"reading_type": "ICC",
"tracks": {
  "enc_track2": "283587285CE10278E7FA50AD5C97CFFE87F472C9FE6406F8",
  "track_ksn": "FFFF4357486333600002"
}
},
"card": {
"card_holder_name": "John Doe"
},
"contact_details": {
"document_number": "",
"document_type": "-1",
"email": "",
"first_name": "",
"last_name": "",
"second_last_name": "",
"phone_number": ""
},
"pos_details": {
"brand": "SUNMI",
"model": "P2-EU",
"terminal_id": "PB04216R20537",
"version": "Kushki SunmiV1.1.26",
"has_print": true,
"location": {
  "latitude": -0.22480833333333333,
  "longitude": -78.487955
},
"user": "juan.perez",
"friendly_name": "Caja principal",
"serial": "SN123456",
"type": "COUNTERTOP",
"connectivity": "WIFI"
},
"country": "CHL",
"is_deferred": false,
"client_transaction_id": "6680eadc-6c8d-44aa-8ca0-18e061c1472a",
"merchant_id": "0987654321",
"transaction_type": "charge",
"transaction_mode": "Authorization",
"is_cashback": false,
"cvm_type": "none"
}

Deferred charges

Always call the BIN lookup endpoint first to confirm the card supports installments and retrieve the valid options for the cardholder's BIN.

Beta

Cuotas Comercio (Merchant Installments) are currently in Beta phase. Contact the Kushki team to enable this feature in your console.

Cuotas Comercio (Merchant Installments) — 2 to 12 months

Send credit_type: "03" inside the deferred object.

{
  "transaction_type": "charge",
  "transaction_mode": "Authorization",
  "country": "CHL",
  "client_transaction_id": "b2c3d4e5-f6a7-8901-bcde-f23456789012",
  "is_deferred": true,
  "deferred": {
    "months": "6",
    "credit_type": "03"
  },
  "amount": {
    "currency": "CLP",
    "subtotal_iva": 0,
    "subtotal_iva0": 30000,
    "iva": 0,
    "tip": 0
  },
  "card_details": {
    "reading_type": "NFC",
    "enc_tlv": "<encrypted-tlv>",
    "pin_ksn": "<ksn-value>",
    "tracks": {
      "enc_track2": "<encrypted-track2>",
      "track_ksn": "<ksn-value>"
    }
  },
  "cvm_type": "none",
  "pos_details": {
    "brand": "SUNMI",
    "model": "P2-EU",
    "version": "Kushki SunmiV1.1.28",
    "has_print": true,
    "terminal_id": "PB04209860189"
  }
}

Cuotas Emisor (Issuer Installments) — 2 to 48 months

Omit credit_type — the issuer manages the installment plan.

{
  "transaction_type": "charge",
  "transaction_mode": "Authorization",
  "country": "CHL",
  "client_transaction_id": "c3d4e5f6-a7b8-9012-cdef-34567890abcd",
  "is_deferred": true,
  "deferred": {
    "months": "12"
  },
  "amount": {
    "currency": "CLP",
    "subtotal_iva": 0,
    "subtotal_iva0": 50000,
    "iva": 0,
    "tip": 0
  },
  "card_details": {
    "reading_type": "ICC",
    "enc_tlv": "<encrypted-tlv>",
    "pin_ksn": "<ksn-value>",
    "tracks": {
      "enc_track2": "<encrypted-track2>",
      "track_ksn": "<ksn-value>"
    }
  },
  "cvm_type": "pin",
  "pos_details": {
    "brand": "SUNMI",
    "model": "P2-EU",
    "version": "Kushki SunmiV1.1.28",
    "has_print": true,
    "terminal_id": "PB04216R20537"
  }
}

Cashback

Chile supports cashback at the time of payment. Set is_cashback: true and include cashback_amount.

{
  "transaction_type": "charge",
  "transaction_mode": "Authorization",
  "country": "CHL",
  "client_transaction_id": "d4e5f6a7-b8c9-0123-def0-456789abcdef",
  "is_cashback": true,
  "cashback_amount": 2000,
  "amount": {
    "currency": "CLP",
    "subtotal_iva": 0,
    "subtotal_iva0": 10000,
    "iva": 0,
    "tip": 0
  },
  "card_details": {
    "reading_type": "MCR",
    "tracks": {
      "enc_track1": "<encrypted-track1>",
      "enc_track2": "<encrypted-track2>"
    },
    "pin_ksn": "<ksn-value>"
  },
  "cvm_type": "pin",
  "pos_details": {
    "brand": "SUNMI",
    "model": "P2-EU",
    "version": "Kushki SunmiV1.1.28",
    "has_print": true,
    "terminal_id": "PB04209860189"
  }
}

WARNING

Cashback is only available with local cards and is not supported for NFC transactions.

Aggregator model

For payment facilitators or marketplaces, include the sub_merchant object.

{
  "transaction_type": "charge",
  "transaction_mode": "Authorization",
  "country": "CHL",
  "client_transaction_id": "e5f6a7b8-c9d0-1234-ef01-567890abcdef",
  "amount": {
    "currency": "CLP",
    "subtotal_iva": 0,
    "subtotal_iva0": 15000,
    "iva": 0
  },
  "card_details": {
    "reading_type": "ICC",
    "enc_tlv": "<encrypted-tlv>",
    "pin_ksn": "<ksn-value>",
    "tracks": {
      "enc_track2": "<encrypted-track2>",
      "track_ksn": "<ksn-value>"
    }
  },
  "cvm_type": "pin",
  "sub_merchant": {
    "mcc": "5411",
    "id_affiliation": "987654321",
    "soft_descriptor": "Mi Comercio Chile",
    "city": "Santiago",
    "country_ans": "CHL",
    "zip_code": "7550000",
    "address": "Av. Apoquindo 4501",
    "social_reason": "Mi Comercio Chile SpA",
    "code": "SUB001CHL"
  },
  "pos_details": {
    "brand": "SUNMI",
    "model": "P2-EU",
    "version": "Kushki SunmiV1.1.28",
    "has_print": true,
    "terminal_id": "PB04209860189"
  }
}

Request fields

Top-level fields

Field	Required	Description
`transaction_type`	Yes	`"charge"` for a one-time payment.
`transaction_mode`	Yes	`"Authorization"` to charge immediately.
`country`	Yes	ISO 3166-1 alpha-3. Must be `"CHL"`.
`client_transaction_id`	Yes	UUID v4 generated by the merchant. Must be unique per transaction.
`is_deferred`	No	Set to `true` to defer the charge.
`deferred`	No	Required when `is_deferred` is `true`.
`is_cashback`	No	Set to `true` to include a cashback amount.
`cashback_amount`	No	Required when `is_cashback` is `true`.
`cvm_type`	Yes	Cardholder verification method: `"none"`, `"pin"`, or `"signature"`.
`contact_details`	Yes	Cardholder contact info. For Chile, send `document_type: "-1"` (no document) — `document_type` values `"0"` and `"1"` apply only to Colombia.
`sub_merchant`	No	Aggregator model: sub-merchant details.
`metadata`	No	Key-value object with extra data.

`amount`

Field	Required	Description
`currency`	Yes	Must be `"CLP"`. CLP has no decimal places — use integers only.
`subtotal_iva`	Yes	Subtotal subject to VAT. Set to `0` — Chile does not apply IVA at the POS level via this field.
`subtotal_iva0`	Yes	Total transaction amount (untaxed).
`iva`	Yes	VAT amount. Set to `0`.
`tip`	No	Tip amount in CLP.
`extra_taxes`	No	Additional taxes: `airport_tax`, `iac`, `ice`, `travel_agency`.

`deferred`

Field	Required	Description
`months`	Yes	Number of installment months. Cuotas Comercio: 2–12. Cuotas Emisor: 2–48.
`credit_type`	No	Send `"03"` for Cuotas Comercio (Merchant Installments). Omit for Cuotas Emisor.

`card_details`

Field	Required	Description
`reading_type`	Yes	`"ICC"`, `"MCR"`, or `"NFC"`.
`enc_tlv`	No	Encrypted TLV data (required for ICC and NFC).
`pin_block`	No	Encrypted PIN block for online-PIN transactions.
`pin_ksn`	No	Key serial number (KSN) for the PIN/TLV.
`tracks.enc_track1`	No	Encrypted Track 1 (required for MCR only).
`tracks.enc_track2`	No	Encrypted Track 2 (required for ICC, MCR, and NFC).
`tracks.track_ksn`	No	KSN for Track 2 (ICC and NFC).

`pos_details`

Field	Required	Description
`terminal_id`	Yes	Terminal identifier assigned by Kushki.
`brand`	Yes	Terminal brand (e.g., `"SUNMI"`).
`model`	No	Terminal model (e.g., `"P2-EU"`).
`version`	No	Terminal software version.
`has_print`	No	`true` if the terminal has a printer (voucher).
`location`	No	`{ "latitude": -33.4489, "longitude": -70.6693 }` — terminal GPS coordinates.
`user`	No	Operator user of the device.
`friendly_name`	No	Display name assigned to the terminal (e.g., `"Caja principal"`).
`serial`	No	Serial number of the device.
`type`	No	Physical type of the POS device. Allowed values: `COUNTERTOP`, `MPOS`, `SELF_SERVICE`, `OTHER`, `SMARTPOS`.
`connectivity`	No	Network connectivity type of the device. Allowed values: `GPRS`, `WIFI`, `ETHERNET`, `DIAL_UP`, `OTHER`.

Authentication

Environments

🟢 Production

🧪 Sandbox (UAT)

https://api.kushkipagos.com/

Available Endpoints

Process Card-Present Payment

Submit a one-time POS transaction — standard charge, Cuotas Comercio, Cuotas Emisor, cashback, or tip — using ICC, MCR, or NFC reading.

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Charge types#

Reading channels#

Single charge#

Deferred charges#

Cuotas Comercio (Merchant Installments) — 2 to 12 months#

Cuotas Emisor (Issuer Installments) — 2 to 48 months#

Cashback#

Aggregator model#

Request fields#

Top-level fields#

amount#

deferred#

card_details#

pos_details#

Authentication#

Environments#

Available Endpoints#

Charge types

Reading channels

Single charge

Deferred charges

Cuotas Comercio (Merchant Installments) — 2 to 12 months

Cuotas Emisor (Issuer Installments) — 2 to 48 months

Cashback

Aggregator model

Request fields

Top-level fields

`amount`

`deferred`

`card_details`

`pos_details`

Authentication

Environments

Available Endpoints