CartModules: Khipu Bank Transfer

Accept Bank Transfer Payments via Khipu in Your CS-Cart Store

Integrate Khipu — Chile's leading instant bank transfer platform — directly into your CS-Cart or Multi-Vendor store. Customers pay by transferring funds directly from their bank account at all major Chilean banks, including Banco de Chile, BancoEstado, Santander, Scotiabank, BCI, and Itau.

Key Features

• Instant Bank Transfers — Customers pay directly from their bank account via Khipu
• All Major Chilean Banks — Supports Banco de Chile, BancoEstado, Santander, Scotiabank, BCI, Itau, and more
• Redirect-Based Flow — No sensitive bank data touches your server (PCI SAQ A compliant)
• HMAC-SHA256 Authentication — Secure API communication using cryptographic request signing
• Webhook Support — Asynchronous payment confirmation via server-to-server notifications
• Automatic Order Updates — Payment is verified on customer return and via webhook
• Configurable Order Statuses — Map Khipu statuses (done, pending, failed) to any CS-Cart order status
• Idempotent Callbacks — Duplicate callbacks and webhooks are safely ignored
• CLP Currency — Native Chilean Peso support with integer amounts (no decimals)

Requirements

• CS-Cart or Multi-Vendor 4.x
• PHP 7.1 or higher
• Khipu merchant account with API credentials (Receiver ID and Secret Key)
• Store currency set to CLP (Chilean Peso)

How It Works

1. Customer selects Khipu at checkout and clicks "Place Order"
2. The addon creates a payment via Khipu API v2 with HMAC-SHA256 authentication
3. Customer is redirected to Khipu's bank transfer page
4. Customer selects their bank and authorizes the transfer
5. After completion, customer is redirected back to your store
6. The addon verifies the payment status and updates the order
7. Khipu also sends a webhook for asynchronous confirmation of completed transfers

Installation

1. Go to Add-ons > Manage add-ons, click Manual installation, and upload the addon zip
2. Activate the addon and enter the license key
3. Go to Administration > Payment methods and create a new payment method
4. Select "Khipu Bank Transfer" as the processor
5. Enter your Receiver ID and Secret Key from the Khipu merchant dashboard
6. Configure order status mappings as desired
7. Save and test before going live

Country & Currency

This addon is designed for merchants selling in Chile. Khipu exclusively supports CLP (Chilean Peso). CLP has no decimal places, so all amounts are sent as integers. Ensure your store's primary currency is CLP.

Why Khipu?

Khipu is one of the most popular payment methods in Chile for e-commerce. It enables instant bank transfers from all major Chilean banks, providing a trusted and widely-used payment option for Chilean customers. Unlike credit card payments, bank transfers have lower fees and higher trust among Chilean consumers.