Bank transfers & instant payments · On request
Khipu
Khipu is a Chilean payment method that turns a bank transfer into a checkout step: the payer picks their bank, confirms the transfer through Khipu's app or site with the bank's own authentication, and the merchant receives the confirmation. No card is involved and a confirmed transfer is final, which makes it the alternative to cards for Chilean payers.
Key facts
- Countries
- Chile
- Currencies
- CLP
- Operations
- Pay-in
- Settlement
- instant
- Chargebacks
- not possible
How a payment goes through
- 1The checkout shows the account details, the amount and a reference
- 2The payer sends the transfer from their banking app
- 3The provider matches the incoming transfer by reference and amount
- 4Webhook to the merchant; unmatched transfers are refunded
How a payment goes through
- The checkout offers Khipu; the payer picks their bank.
- The payer confirms the transfer through Khipu with the bank’s own authentication.
- The provider receives the confirmation and reports the result.
- Tranzify writes the result and calls the merchant’s webhook.
Khipu against cards in Chile
| Khipu | Cards | |
|---|---|---|
| What the payer needs | a bank account | a card accepted by the acquirer |
| Confirmation | at once | at once |
| Chargebacks | none | scheme rules |
| Recurring | no | yes, with tokens |
Who uses it
E-commerce for payers without cards; iGaming, forex and crypto on-ramps for deposits that cards decline; education for payments from a bank account. A client enables dLocal for Khipu under its own contract; the integration is enabled on request.
How to connect
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Providers offering this method
Industries
Frequently asked questions
Does the payer need a card?+
Are there chargebacks?+
Can Khipu be used for payouts?+
Related methods
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