Kushki
Country: Ecuador (EC) | Payment Rail: bank_clearing
OnlineBanking
Market Adoption: 18%
Kushki is a leading Latin American payment infrastructure and acquiring gateway founded in Ecuador, featuring multi-channel aggregation and local clearing widely used for cross-border e-commerce and SaaS.
🔄 User Payment Flow
- User selects card, bank transfer, or cash option on Kushki checkout frame
- User inputs payment credentials with support for local deferred installments (diferidos)
- 3D-Secure authentication or bank gateway confirms payment
- Order is confirmed with real-time receipt
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant initiates payment session via Kushki Full-Stack API
- Kushki routes transaction directly to local clearing house and card networks
- Kushki provides unified reconciliation and cross-border settlement in USD
- Merchant receives instant server-to-server webhook callback
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Kushki