Kushki Chargebacks: A Merchant Guide (2026)

How Chargebacks Work on Kushki

Kushki built its business around local acquiring across five Latam markets — Mexico, Colombia, Ecuador, Chile, and Peru — which means it can settle transactions locally in each country's currency and banking system rather than routing everything through a single international acquiring relationship. That local presence is valuable for merchants selling into Latam, but it comes with the same payment-method complexity seen across the region's leading processors.

Kushki supports **four distinct payment products**: **Kushki Cards** (standard Visa/Mastercard processing), **Kushki Cash** (a voucher-based payment method similar in concept to Mexico's OXXO), **Kushki Transfer** (direct bank transfer), and **Kushki Webpay Plus** (the dominant Chilean payment standard, integrating with Chile's banking infrastructure). Card disputes appear in the **Kushki Dashboard** with a standard reason code and deadline, following normal Visa/Mastercard rules.

The other three products — Cash, Transfer, and Webpay Plus — do not carry an equivalent chargeback mechanism. These are direct bank or cash-based payment rails, and any dispute resolution on them runs through Kushki's own internal process rather than card network representment. Merchants new to Latam markets frequently assume all four Kushki products carry the same dispute protections simply because they're accessible through one integration — this is the single most common and costly misconception for merchants expanding into the region through Kushki.

Kushki Response Deadline

For card payments, Kushki follows standard card network deadlines, and these vary somewhat by which of the five markets (Mexico, Colombia, Ecuador, Chile, Peru) the transaction was processed in, given differences in local card network implementation across Latam.

For Kushki Cash, Kushki Transfer, and Kushki Webpay Plus, there's no formal chargeback deadline because there's no chargeback process in the traditional sense — any dispute resolution timeline depends on Kushki's internal process for that specific payment method and market.

Kushki Chargeback Fee

Kushki's fees vary by market — Mexico, Colombia, Ecuador, Chile, and Peru each have distinct pricing given the different local banking and regulatory environments Kushki operates within for its local acquiring relationships. There is no single Kushki-wide chargeback fee figure to quote; check your merchant agreement for the specific market and payment method breakdown.

Non-card products (Cash, Transfer, Webpay Plus) generally don't carry a comparable per-dispute fee, since they don't go through the formal chargeback process that generates such a fee on card transactions.

Step-by-Step: How to Respond to a Kushki Chargeback

• →**Confirm the payment product first** — only Kushki Cards carries a standard chargeback mechanism; Cash, Transfer, and Webpay Plus do not
• →**For card disputes**, log into the Kushki Dashboard and locate the case under Disputes
• →**Note which of the five markets** (Mexico, Colombia, Ecuador, Chile, Peru) the transaction processed in, since local card network rules can vary slightly
• →**Gather evidence matching the reason code** — standard card dispute evidence rules apply
• →**Submit through the Kushki Dashboard** before the deadline
• →**For Cash, Transfer, or Webpay Plus complaints**, contact Kushki support directly, since there's no standardized representment process to follow

Most Common Dispute Reasons on Kushki

Kushki's merchant base — Latam ecommerce, Mexican SaaS, and Colombian digital goods, among other regional verticals — produces a dispute pattern shaped by the card/non-card split:

• →**Card fraud disputes** follow standard patterns for merchants accepting Kushki Cards, concentrated among the portion of Latam customers who prefer or default to card payment
• →**"Payment not received" complaints on Cash and Transfer methods** are common but don't register as formal chargebacks — merchants should track these through customer service channels separately from formal dispute metrics
• →**Chilean merchants using Webpay Plus** see disputes handled entirely outside the card chargeback framework, following Chile's local banking dispute conventions instead
• →**SaaS and digital goods merchants** using Kushki Cards for recurring billing see standard subscription dispute patterns, similar to what appears on any card-processing platform

What Makes Kushki Chargebacks Unique

The defining quirk — consistent with the broader Latam payment landscape seen on dLocal and other regional specialists — is that **only card payments carry chargeback rights** among Kushki's four supported payment products. Merchants new to the region who assume Cash, Transfer, and Webpay Plus all offer equivalent dispute protection to cards are working from an incorrect assumption that can create real financial exposure if a meaningful share of their volume runs through non-card methods.

The second distinguishing factor is Kushki's **market-by-market local acquiring model**. Unlike a single-entity global processor, Kushki's presence across five distinct Latam markets means dispute handling — and even card network implementation details — can vary somewhat by country, which is worth understanding if you're processing across multiple Kushki-supported markets simultaneously.