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FINTECH · FINANCIAL SERVICES

The payment infrastructure your Fintech needs to grow in Latin America

Kushki connects your operation with the payment methods, wallets and local networks of each market in a single regional integration.

MXCOCLPEEC
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WHY KUSHKI

Payments that scale at the pace of your fintech

Explore the payment challenges Fintechs face in Latin America and how Kushki eliminates them as your product grows

PROBLEM
PROBLEM

High friction on the first payment

Abandonment during onboarding and the first transaction is one of the main activation problems on Fintech platforms.

KUSHKI SOLUTION

Local payment methods in each market

Cards, bank transfers, digital wallets (Bre‑B, DeUna!, Yape and others), Apple Pay and local APMs all from a single API.

PROBLEM
PROBLEM

Low approval rates

Expired cards, outdated credentials and cross‑border processing generate declines that directly affect conversion.

KUSHKI SOLUTION

Network Tokens for more approvals

Card credentials are updated automatically. Fewer declines from expired cards, more completed payments.

PROBLEM
PROBLEM

Multiple providers per payment method

Integrating cards, transfers, wallets and local APMs separately multiplies costs, complexity and points of failure.

KUSHKI SOLUTION

Automatic disbursements

Pay thousands of users loans, refunds, commissions in local currency, without manual operations or international transfers.

PROBLEM
PROBLEM

Fragmented regional expansion

Operating in several countries with different payment ecosystems forces you to duplicate integrations, teams and processes for each market.

KUSHKI SOLUTION

One integration for the entire region

Operate in MX, CO, CL, PE and EC with local methods without duplicating technical effort or contracts per country.

IMPACT

What changes with the right infrastructure

+5% to +15%

Improvement in payment conversion

Fewer declines

Network Tokens and local processing reduce failed payments from outdated credentials or cross‑border routing.

Faster expansion

A single integration gives access to local methods in 5 countries without duplicating contracts, teams or development time.

FOR YOUR MODEL

Which describes your operation?

Neobanks and Wallets

Activate users fast and offer all the payment methods they already use.

  • Account funding with cards, transfers and local APMs
  • Local digital wallets and Apple Pay integrated
  • Mobile‑optimized checkout with one‑click payments
  • QR and contactless payments for in‑person channels

Credit and Lending Platforms

Collect loan installments on time and disburse credit without manual operations.

  • Automatic recurring payments for loan installments
  • Smart retries for failed payments
  • Network Tokens to keep payment credentials current
  • Automatic disbursements to bank accounts in local currency

Remittances and Transfers

Move money across countries with local currency settlement and no international transfer fees.

  • Disbursements to local bank accounts in each market
  • Cash Out: 200,000+ cash withdrawal points across LATAM
  • Automated reconciliation of multi‑country operations
  • One single integration for the entire region

Investment and Digital Insurance Platforms

Manage recurring payments and disbursements with full real‑time visibility.

  • Automated recurring payments for premiums and memberships
  • Reconciliation and disbursement optimized by product or client
  • Centralized dashboard for all transactions
  • Regulatory compliance integrated in every payment flow

FOR YOUR MODEL

Which describes your operation?

Neobanks and Wallets

Activate users fast and offer all the payment methods they already use.

  • Account funding with cards, transfers and local APMs
  • Local digital wallets and Apple Pay integrated
  • Mobile‑optimized checkout with one‑click payments
  • QR and contactless payments for in‑person channels

COVERAGE

Accept and disburse in every market

Pay‑in Payment acceptance

Local bank transfers (SPEI, PSE and others)

Credit and debit cards

Cash payments and Cash‑In

Local digital wallets

Apple Pay

QR

Pay‑out Disbursements

Local bank transfers

Cash Out at 200,000+ points

Mass disbursements to multiple beneficiaries

Payments in local currency without cross‑border fees

ONE CONSOLE

Management, reconciliation and security from one place

Management

Single dashboard for payments and disbursements
Automated multi‑country reconciliation in real time
Direct integration with core banking or accounting system

Security

Fraud prevention with real‑time transaction monitoring
Tokenization of end‑user payment data
PCI DSS compliance and KYC/AML support

WHO IT'S FOR

Built for Fintechs operating in Latin America

Neobanks and digital wallets
Credit and lending platforms
Remittance and transfer services
Investment and digital insurance platforms

Frequently asked questions

Yes. The platform adapts to different Fintech models: wallets that need funding, credit platforms that collect installments and disburse loans, and neobanks that offer digital payment experiences. The sales team can guide you based on your model.

Through the Payouts API, you can send transfers to local bank accounts or generate cash withdrawal codes at over 200,000 points. Disbursements are configured with the logic and cadence your operation requires.

Kushki processes locally in each country with its own acquiring avoiding the rate penalty generated by cross‑border processing. Additionally, Network Tokens keep card credentials updated automatically to reduce declines.

Yes. Kushki includes support for KYC/AML regulatory compliance within payment flows. The technical team can guide you on the specific capabilities available for your business model and country of operation.

More payment methods. More approvals. One integration

Connect your Fintech with Latin America's payment infrastructure and operate in 5 countries from day one.

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