Talk to Sales

Colombia

Accept all payments in Colombia with local infrastructure

Kushki operates as a non‑bank acquirer with its own license from the Superintendencia processing locally to provide better approval rates and simplify merchant operations.

Acquirer · Aggregator · Gateway

Talk to Sales

THE MARKET

Colombia: a market where multiple payment methods coexist

PSE leads in e‑commerce, cards remain relevant and cash still reaches customers outside the digital banking system.

Merchants looking to grow need to cover all these channels from a single operation.

PSE

The preferred method for online payments among users with bank accounts

Bre‑B

The Banco de la República's interoperable instant payment system growing adoption

Nequi and Daviplata

Widely adopted digital wallets in Colombia

Efecty and Punto Red

Correspondent networks for cash payments nationwide

Cards

Visa, Mastercard and American Express with high penetration in retail and e‑commerce

OUR OPERATION

Local processing with three operating models

Acquirer

Kushki subscribes your merchant directly, provides a dedicated account and manages final settlement with better approval rates. Direct Visa and Mastercard memberships in MX, CO, CL and PE.

Aggregator

Kushki acts as intermediary between the merchant and the acquirer. The right model for merchants looking to operate with lower regulatory and operational complexity, prioritizing agility.

Gateway

Kushki enables payment processing by routing transactions to the right processor. The fastest way to start accepting payments, available in all markets where Kushki operates.

PAYMENT METHODS

All the methods your Colombian customers prefer

Online payments

Accepted methods

Cards

VisaMastercardAmerican Express

Transfers

  • PSE direct bank debit from any Colombian bank account
  • Bre‑B interoperable instant payments with Pay‑ins and Pay‑outs

Wallets

Nequi · Daviplata · and other local electronic deposits

Capabilities

  • Pre‑authorization, re‑authorization and capture
  • Scheduled subscriptions
  • On‑demand subscriptions

In‑store payments

Accepted methods

Cards

VisaMastercard

Conexión

  • Standalone
  • Cloud
  • App to App
  • SDK

Capabilities

  • Pre‑authorization and capture
  • Tip
  • Full and partial void
  • Full and partial cancellation
  • Commercial installments

IN‑STORE PAYMENTS

One POS system for your entire operation in Colombia

Kushki One is Kushki's regional point‑of‑sale system 100% cloud‑based, with hardware freedom and omnichannel power. The only full‑stack non‑bank acquirer with its own infrastructure in the region.

Discover Kushki One

What's included

  • Unified onboarding, settlement and reconciliation
  • Hardware freedom: bring your own terminal or use those certified by Kushki
  • Regional scalability from Colombia to Kushki's other markets

Sales models

  • Complete solution: Kushki Terminal + Kushki App + Kushki Acquiring
  • 100% API: Your terminal + your app + Kushki Acquiring

WHY LOCAL

Processing in Colombia with a local license changes results

0

Platform availability

More approvals

Kushki operates with an acquirer license from the Superintendencia and processes locally without the approval rate penalty generated by international processors that route via local banks.

Simplified operations

One account, one contract, one dashboard for online and in‑store payments. Unified reconciliation and settlement from the Kushki console.

WHO IT'S FOR

Designed for merchants operating in Colombia

E‑commerce and online stores

Omnichannel retailers with physical and digital presence

Marketplaces and multi‑seller platforms

Service businesses with recurring payments

Fintechs and financial platforms

Franchises and multi‑location chains

Frequently asked questions

Kushki is registered as an acquirer with the Superintendencia Financiera de Colombia. It also operates as an aggregator and gateway depending on the model that best fits the merchant.

PSE (Pagos Seguros en Línea) is ACH Colombia's bank debit system. It allows users to pay directly from their bank account without a card. Kushki has native PSE integration for online payments.

Bre‑B is the Banco de la República's interoperable instant payment system it enables real‑time transfers between financial institutions. Kushki has it available for Pay‑ins and Pay‑outs in Colombia.

Yes. Kushki unifies online and in‑store payments under a single platform with centralized dashboard, unified reconciliation and consolidated settlement. Kushki One is available in Colombia for point‑of‑sale payments.

Operate in Colombia with the local processor your business needs

Accept online and in‑store payments with local processing and dedicated support.

Talk to Sales