Kushki Transfer Payments API

openapi: 3.1.0
info:
  title: Kushki Transfer Payments API
  description: |
    Bank-rail transfer payments across LatAm — PSE (Colombia), Webpay Transferencia
    (Chile), SPEI (Mexico), PIX (Brazil), and direct debit (Ecuador, Peru). Returns
    a redirect URL or QR for the payer; final state is delivered by webhook.
  version: "1.0.0"
  contact:
    name: Kushki
    url: https://kushkipagos.com/
    email: [email protected]
servers:
  - url: https://api.kushkipagos.com
    description: Production
  - url: https://api-uat.kushkipagos.com
    description: UAT / Sandbox
security:
  - PublicMerchantId: []
  - PrivateMerchantId: []
tags:
  - name: Transfer
    description: Bank-rail transfer charges
paths:
  /transfer/v1/init:
    post:
      summary: Kushki Initialize Transfer Charge
      description: Initialize a transfer payment. Returns a redirect URL (PSE / Webpay) or QR/CopyPaste payload (PIX) plus a Kushki ticket number.
      operationId: initTransferCharge
      tags:
        - Transfer
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/TransferInitRequest'
            example:
              callbackUrl: https://merchant.example.com/checkout/return
              userType: "0"
              documentType: CC
              documentNumber: "100000001"
              email: [email protected]
              paymentDescription: Order 42
              amount:
                subtotalIva: 0
                subtotalIva0: 50000
                iva: 0
                currency: COP
      responses:
        '200':
          description: Transfer initialized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/TransferInitResponse'
        '4XX':
          $ref: '#/components/responses/ErrorResponse'
  /transfer/v1/charge:
    post:
      summary: Kushki Confirm Transfer Charge
      description: Confirm a transfer charge after the payer authorizes at the bank. Normally driven by the redirect callback; webhook delivery is the authoritative event.
      operationId: confirmTransferCharge
      tags:
        - Transfer
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/TransferChargeRequest'
      responses:
        '200':
          description: Charge confirmed
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/TransferChargeResponse'
  /transfer/v1/charges/{ticketNumber}:
    get:
      summary: Kushki Get Transfer Charge
      description: Retrieve the current status of a transfer charge.
      operationId: getTransferCharge
      tags:
        - Transfer
      parameters:
        - name: ticketNumber
          in: path
          required: true
          schema: { type: string }
      responses:
        '200':
          description: Charge status
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/TransferChargeResponse'
components:
  securitySchemes:
    PublicMerchantId:
      type: apiKey
      in: header
      name: Public-Merchant-Id
    PrivateMerchantId:
      type: apiKey
      in: header
      name: Private-Merchant-Id
  schemas:
    Amount:
      type: object
      required: [subtotalIva, subtotalIva0, iva, currency]
      properties:
        subtotalIva: { type: number }
        subtotalIva0: { type: number }
        ice: { type: number, default: 0 }
        iva: { type: number }
        currency: { type: string, enum: [USD, COP, PEN, CLP, MXN, BRL] }
    TransferInitRequest:
      type: object
      required: [callbackUrl, email, amount]
      properties:
        callbackUrl: { type: string, format: uri }
        userType:
          type: string
          enum: ["0", "1"]
          description: "0 = natural person, 1 = legal entity (Colombia PSE convention)."
        documentType:
          type: string
          enum: [CC, NIT, CE, DNI, RUT, CURP, RFC, RUC, CPF, CNPJ]
        documentNumber: { type: string }
        email: { type: string, format: email }
        paymentDescription: { type: string }
        amount: { $ref: '#/components/schemas/Amount' }
        bankId: { type: string, description: PSE bank identifier (Colombia only). }
        metadata: { type: object, additionalProperties: true }
    TransferInitResponse:
      type: object
      properties:
        token: { type: string }
        redirectUrl: { type: string, format: uri }
        ticketNumber: { type: string }
        pixCopyPaste: { type: string, description: PIX copy-paste string (Brazil). }
        qrCode: { type: string, description: Base64-encoded QR image (PIX). }
    TransferChargeRequest:
      type: object
      required: [token]
      properties:
        token: { type: string }
        amount: { $ref: '#/components/schemas/Amount' }
        metadata: { type: object, additionalProperties: true }
    TransferChargeResponse:
      type: object
      properties:
        ticketNumber: { type: string }
        transactionStatus:
          type: string
          enum: [APPROVAL, INITIALIZED, DECLINED, PENDING]
        approvalCode: { type: string }
        responseText: { type: string }
        paymentBrand: { type: string, description: PSE / Webpay / SPEI / PIX. }
        bankName: { type: string }
    Error:
      type: object
      properties:
        code: { type: string }
        message: { type: string }
  responses:
    ErrorResponse:
      description: Error
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'