Kushki
Enterprise payment software
Accounting & finance software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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- Retail and wholesale
- Accommodation and food services
- Arts, entertainment, and recreation
What is Kushki
Kushki is a payments platform that provides payment processing and orchestration capabilities for businesses operating in Latin America. It supports online and mobile payment acceptance and helps merchants connect to local payment methods and regional acquiring options through APIs and hosted checkout components. The product is typically used by digital commerce, marketplaces, and subscription businesses that need to manage multi-country payment acceptance and reconciliation. It differentiates through a regional focus on LATAM payment rails and local method coverage rather than a single-country gateway approach.
LATAM local payment coverage
Kushki focuses on enabling payment acceptance across Latin American markets, including support for region-specific payment methods and local acquiring connectivity. This can reduce the need to integrate multiple country-specific providers when expanding within the region. For merchants with cross-border LATAM operations, a single integration can simplify rollout and ongoing maintenance.
API-first integration options
The platform provides APIs and integration components intended for web and mobile checkout flows. This suits product and engineering teams that want to embed payments into existing applications and control the customer experience. API-based integration also supports programmatic handling of payment events for downstream finance and operations workflows.
Enterprise payment operations features
Kushki is positioned for businesses that require more than basic card processing, including capabilities commonly needed for enterprise payment operations such as multi-market configuration and payment management tooling. These features can help standardize payment handling across business units and countries. The platform’s focus aligns with organizations that need consistent reporting and reconciliation inputs across multiple payment rails.
Region-centric global reach
Kushki’s core strength is Latin America, which can be a limitation for companies prioritizing broad global coverage outside the region. Organizations with significant volumes in North America, Europe, or APAC may still need additional providers for local acquiring and alternative payment methods. This can increase vendor management and integration complexity for truly global footprints.
Finance suite depth varies
While it supports payment reporting and reconciliation inputs, Kushki is not a full accounting system. Companies often still require separate accounting, ERP, or treasury tools for general ledger, close management, and broader financial controls. The depth of native finance workflows may be insufficient for teams seeking an end-to-end accounting and finance suite.
Implementation requires technical resources
API-led payment platforms typically require engineering effort for integration, testing, and ongoing optimization. Complex setups (multi-country, multiple payment methods, risk and compliance requirements) can extend implementation timelines. Smaller teams without dedicated payments engineering may find the rollout and maintenance burden higher than more turnkey options.
Plan & Pricing
Pricing model: Pay-as-you-go (transaction-based) Free tier/trial: No permanently free tier or time-limited trial stated on official site. Billing notes: Kushki charges a processing fee per transaction plus a negotiated monthly minimum ("tarifa mínima mensual") that varies by country and by commercial agreement; detailed per-transaction rates are provided in the commercial proposal and set on a per-merchant basis (contact sales). Example costs (official documentation):
- Bank transfer / payout fees (withdrawal of funds to bank account): $8 USD for transfers to a US bank; $20 USD for international wire (when destination is not USA). (Support article: "Retiro de dinero de tu cuenta Kushki").
- Cross-border / non-US-constituted companies (mentioned for MX/PE/US/CA): commission example listed as 4% + $0.30 USD + 1% Cross Border Fee (applies when the company is constituted outside USA). (Support article: "Retiro de dinero de tu cuenta Kushki"). Other pricing-related facts from official site:
- No onboarding/affiliate fee to open an account; cost of service is commission per approved transaction. (Support article: "Proceso general de afiliación en Kushki").
- Kushki states pricing is competitive and adapted to transaction volume; merchants are asked to contact sales to get a tailored quote. (Official fees page: "Tarifas"). Discount options: Volume/commitment discounts and monthly minimums are negotiated per agreement (contact sales).
Seller details
Kushki S.A.S.
Quito, Ecuador
2016
Private
https://www.kushkipagos.com/
https://x.com/kushkipagos
https://www.linkedin.com/company/kushki/
