Khipu

How to use Khipu to submit a payin in Chile.

Payin by Khipu

POST https://gateway-test.pagsmile.com/trade/pay

This endpoint allows you to submit a payin by Khipu in Chile.

Headers

Name	Type	Description
Content-Type*	string	application/json; chartset=UTF-8
Authorization*	string	Basic Base($app_id:$security_key)

Request Body

Name	Type	Description
app_id*	string	created app's id at dashboard - Max. 32 chars -
customer.identify.type*	string	User's identification type - RUT or RUN -
customer.identify.number*	string	User's identification number - 9 digts -
customer.name	string	User's name
customer.email	string	User's email
customer.phone	string	User's phone
method*	string	Fixed value: Khipu
out_trade_no*	string	ID given by the merchant in their system - Max. 64 chars -
notify_url*	string	Where Pagsmile will send notification to
timestamp*	string	yyyy-MM-dd HH:mm:ss - Max. 19 chars -
subject*	string	payment reason or item title - Max. 128 chars -
order_amount*	string	payment amount - Averge limit is 1~250,000 CLP; Different banks have different daily limits. Check here. -
order_currency*	string	Fixed value: CLP
content*	string	payment reason detail or item detail - Max. 255 chars -
buyer_id*	string	merchant user's id
address.zip_code	string	zip code - 7 digits -
website_url	string	merchant website URL - Max. 128 chars -
address.street	string	street
address.street_number	string	street number
address.city	string	city
address.state	string	state
return_url	string	Redirect to Merchant's url when user finished checkout
bank*	string	Use API to get bank code

200 submit successfully

{
    "code": "10000",
    "msg": "Success",
    "trade_no": "2022010110293900083",
    "out_trade_no": "202201010354006",
    "web_url": "",
    "pay_url": "https://khipu.com/payment/info/rkrcge5jq30j",
    "trade_status": "PROCESSING"
}

400 duplicate out_trade_no

{
    "code": "40002",
    "msg": "Business Failed",
    "sub_code": "duplicate-out_trade_no",
    "sub_msg": "out_trade_no is duplicate"
}

Example of identify

• RUT / RUN numbers have eight digits, plus a verification digit, and are generally written in this format: xxxxxxxx-z. Z can be a digit or the letter K. For example 3******7-K, 7******8-5. Only send alphanumeric values in the API, like 3******7K.

• For individuals, RUT is the same as RUN. For businesses, they only have RUT.

Identify Type	Identify Number	Description
RUN	7******85	9 digits	A RUN (Rol Único Nacional) is a unique identification number given to every Chilean resident, foreign resident, and anyone who stays in Chile on anything other than a tourist visa
RUT	7******85	9 digits	A RUT (Rol Único Tributario) is the individual tax ID number

Test Environment

For test environment, please use "bank" : "Bawdf".

Example

curl --location --request POST 'https://gateway-test.pagsmile.com/trade/pay' \
--header 'Authorization: Basic MTYyNTgyOTIxNDUzMTY2Mzg6UGFnc21pbGVfc2tfZDUwMWQ1ZGNkNTI5OGQ5N2MwNmUzYjI4YjA2OWZjZmY3NDU5ZjY2NzNiMjFjMTFlYTY3NDM5MDgzOTZkOTYxNQ==' \
--header 'Content-Type: application/json' \
--data-raw '{
    * "app_id": "162************38",
    * "out_trade_no": "202201010354006",
    * "method": "Khipu",
    * "order_amount": "12.01",
    * "order_currency": "CLP",
    * "subject": "trade pay test",
    * "content": "trade pay test conent",
    * "notify_url": "http://merchant/callback/success",
      "return_url": "https://www.merchant.com",
    * "buyer_id": "buyer_0101_0001",
    * "timestamp": "2022-01-01 03:54:01",
      "timeout_express":"1c",
    * "bank" : "Bawdf", //Only this bank works in test env.   
    * "customer" : {
    *     "identify": {
    *         "type": "RUT",
    *         "number": "220604497"
          },
          "name": "Test User Name",
          "email": "[e-mail]",
          "phone": "56985995523"
      }
      }'

User payment tips

• KHIPU works as an interface that connects the user with the Bank platform and simplifies the bank transfer flow, therefore, the user RUT and Clave (Password/PIN) that users enter on KHIPU should be the same as the one they used to enter their e-banking

• Sending "email" in the request allows Khipu to send emails to the users to remind the payment.

Note: 162************38 is pagsmile's test app id for sandbox, and MTYyNTgyOTIxNDUzMTY2Mzg6UGFnc21pbGVfc2tfZDUwMWQ1ZGNkNTI5OGQ5N2MwNmUzYjI4YjA2OWZjZmY3NDU5ZjY2NzNiMjFjMTFlYTY3NDM5MDgzOTZkOTYxNQ== is authorization token associated with the test app id.

Please use your own app_id and generate your own authorization token when testing.