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Peru

Accept all payments in Peru with local infrastructure

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

Acquirer · Aggregator · Gateway

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THE MARKET

Peru: mobile wallets, cards and cash in one market

Peruvian consumers don't pay in just one way. Yape and Plin dominate everyday payments, cards lead in e‑commerce and formal retail, and cash remains relevant.

Merchants need to cover all these channels without increasing operational complexity.

Yape

The leading digital wallet in Peru for instant payments via bank transfer

Network Tokens

Automatic credential update to improve approvals on recurring billing

SafetyPay

Cash and bank transfer payment method available in Peru

Installment payments

Available with Visa and Mastercard as enabled by each card issuer

Diners Club

Card accepted in the Peruvian market

Apple Pay

Available for e‑commerce and point of sale

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 Peruvian customers prefer

Online payments

Accepted methods

Cards

VisaMastercardAmerican ExpressDiners Club

Transfers

SafetyPay: cash and bank transfer payments available in Peru.

Wallets

Yape: the leading digital wallet in Peru for instant payments via bank transfer.

Capabilities

  • Network Tokens: automatic card credential update
  • Apple Pay
  • Installment payments: as enabled by each cardholder's issuing bank. Interest applies according to each bank's terms
  • Pre‑authorization, 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
  • Installment payments by issuer

YAPE

Accept payments with Peru's leading wallet

Yape is the everyday payment method for millions of Peruvians especially in low‑value transactions, small businesses and in‑store payments where cash used to dominate. With Kushki you can accept Yape payments as a digital wallet for instant bank transfers.

  • Pay‑in: your customers pay with Yape from their phone

PAYOUTS

The only acquirer in Peru with Visa Direct and Mastercard Send

Kushki is the only acquirer in Peru that offers Card Payouts with Visa Direct and Mastercard Send, enabling real‑time fund disbursement directly to cards.

Visa Direct

Card Payouts Visa (Visa Direct)

Payouts

Mastercard Send

Card Payouts Mastercard (Mastercard Send)

Payouts

Transfer Out

Transfer Out to all local banks

Payouts

IN‑STORE PAYMENTS

One POS system for your entire operation in Peru

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 Peru 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 Peru with a local license changes results

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Platform availability

More approvals

Kushki operates with an acquirer license from the Banco Central de Reserva del Peru and processes locally without the approval rate penalty generated by international processors.

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 Peru

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 Banco Central de Reserva del Peru. It also operates as an aggregator and gateway depending on the model that best fits the merchant.

Yes. Kushki has Yape available as a digital wallet for Pay‑in: your customers make instant payments via bank transfer from the Yape app.

Kushki processes installment payments according to what each cardholder has enabled with their issuing bank. Interest applies according to each issuer's terms. Kushki does not process interest‑free installments in Peru.

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 Peru for point‑of‑sale payments.

Operate in Peru with the local processor your business needs

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

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