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

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

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": "test@pagsmile.com",
          "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.

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