Transfer Out

Transfer Out lets you send funds directly to a recipient's bank account in Mexico 🇲🇽 — for supplier payments, marketplace payouts, commissions, or any disbursement flow.

How it works

Get the bank list

Call GET /payouts/transfer/v1/bankList (or the v2 endpoint) to retrieve the list of available destination banks. Display this list so the operator can select the recipient's bank.

Request a Transfer Out token

Call POST /payouts/transfer/v1/tokens with the recipient's bank details and the disbursement amount. Returns a token.

{
  "name": "Juan Pérez",
  "documentType": "RFC",
  "documentNumber": "ND",
  "accountType": "CB",
  "accountNumber": "646180110400000007",
  "bankId": "0074",
  "totalAmount": 1000,
  "currency": "MXN",
  "paymentDescription": "Pago a proveedor"
}

Field reference:

Field	Required	Notes
`name`	✅	Recipient's full name.
`documentType`	✅	`CURP` or `RFC`.
`documentNumber`	✅	Recipient's ID number. If you don't know the recipient's document number, send `ND` in the `documentNumber` field.
`accountType`	✅	`CB`, `TD`, or `NC`. See the account types table below.
`accountNumber`	✅	Recipient's account number: 18-digit CLABE (`CB`), debit card number (`TD`), or cell phone number (`NC`).
`bankId`	✅	Bank identifier from the bank list.
`totalAmount`	✅	Disbursement amount in MXN.
`currency`	✅	`MXN`
`paymentDescription`	Optional	Short description of the transfer.
`mail`	Optional	Recipient email address.

Init the disbursement

Call POST /payouts/transfer/v1/init with the token and amount. A successful response returns a ticketNumber and transactionReference.

{
  "token": "AbCDef123456Z7Ghi8901234jkLMNopQ",
  "amount": {
    "subtotalIva": 0,
    "subtotalIva0": 500,
    "iva": 0,
    "ice": 0,
    "currency": "MXN"
  },
  "webhooks": ["https://yoursite.com/kushki/payout-notify"],
  "fullResponse": "v2"
}

Response:

{
  "ticketNumber": "319228478889680318",
  "transactionReference": "6f16659e-b711-4995-a9ae-161aecbd6521",
  "status": "INITIALIZED"
}

Check disbursement status

Call GET /payouts/transfer/v1/transaction/{ticketNumber} to check the current status. The transfer may take time to process depending on the recipient bank.

{
  "ticketNumber": "319228478889680318",
  "transactionStatus": "APPROVED",
  "totalAmount": 500,
  "currency": "MXN",
  "bankId": "001",
  "documentType": "CURP",
  "documentNumber": "GACJ800101HDFRRN09"
}

Currency

Currency	Code	Notes
Mexican Peso	`MXN`	Two decimal places — amounts use cents (e.g., `500.00`)

Account types

Value	Description
`CB`	Cuenta CLABE
`TD`	Tarjeta de Débito
`NC`	Número Celular. The recipient must have associated their cell phone number to their deposit account.

ℹ️ CB — Cuenta CLABE is the primary account type for Mexico — an 18-digit standardized banking code used for all interbank transfers.

Document types

Value	Description
`CURP`	Clave Única de Registro de Población 🇲🇽
`RFC`	Registro Federal de Contribuyentes 🇲🇽

Transaction status values

Status	Description
`INITIALIZED`	Transfer created — processing with the bank
`APPROVED`	Funds successfully disbursed
`DECLINED`	Transfer rejected by the recipient bank
`FAILED`	Transfer failed due to a processing error

Check your payout balance

Before initiating disbursements, verify you have sufficient balance in your Kushki payout wallet:

GET /wallet/v1/merchant/balance

{
  "currentBalance": 5000,
  "currency": "MXN",
  "balanceDate": "2026-06-02T12:00:00Z"
}

Insufficient balance

Transfer Out operations are funded from your Kushki wallet balance. Ensure your balance covers the disbursement before calling the token endpoint.

Webhooks

Include a webhooks array in the init request to receive real-time disbursement notifications:

{
  "webhooks": ["https://yoursite.com/kushki/payout-notify"]
}

Authentication

Token request (POST /payouts/transfer/v1/tokens) and bank list use your public key:

Init (POST /payouts/transfer/v1/init) uses your private key:

Using the API

🟢 Production

🧪 Sandbox (UAT)

https://api.kushkipagos.com/

Available Endpoints

Get Bank List

Retrieve available destination banks for payouts.

Get Bank List V2

Enhanced bank list with additional metadata.

Request a Transfer Out Token

Tokenize the recipient's bank details and disbursement amount.

Init Transaction

Initiate the bank transfer disbursement. Returns a ticketNumber for tracking.

Get Status

Check the current status of a disbursement by ticketNumber.

Merchant Balance

Get your current payout wallet balance in MXN.

Got a suggestion on this documentation? Contact us.

How it works#

Currency#

Account types#

Document types#

Transaction status values#

Check your payout balance#

Webhooks#

Authentication#

Using the API#

Available Endpoints#

How it works

Currency

Account types

Document types

Transaction status values

Check your payout balance

Webhooks

Authentication

Using the API

Available Endpoints