Culqi

Culqi: Payment Gateway And POS For Merchants In Peru

Culqi is a Peru-focused payment service provider that lets businesses accept cards, local wallets, and alternative methods across online, in-person, and pay-by-link channels. With Culqi, merchants can process in soles or dollars, connect via API or plug-and-play plugins, and manage settlements, refunds, and disputes from a single dashboard.

What Is Culqi

Culqi offers three core products that cover most merchant scenarios:

• CulqiOnline – a gateway for websites and apps with one-off payments, subscriptions, and one-click.

• CulqiFull – an Android POS for in-person payments.

• CulqiLink – payment links to charge via social or messaging without a website.

Operations and reconciliation are centralized in CulqiPanel and the accompanying CulqiApp, which show sales, deposits, and controversies in real time. Culqi lists Credicorp as a backer and emphasizes security controls such as PCI DSS, 3-D Secure, and antifraud tooling.

Key Products And Use Cases

CulqiOnline

• Accepts one-off payments, subscriptions, and one-click flows.

• Supports cards and local methods that are relevant in Peru.

• Deposits for online sales follow a standard 2 business day schedule.

• Integration paths include API 2.0 and plugins for major ecommerce platforms.

CulqiFull POS

• Card-present payments with a portable Android terminal.

• Same-day deposits available for selected banks, with a time window and conditions detailed by Culqi.

• Accepts leading card brands and local wallets for face-to-face checkout.

CulqiLink

• Create a shareable payment link from CulqiPanel.

• Useful for billing through WhatsApp or social channels without a full cart.

Supported Payment Methods

Culqi lists the following acceptance options. Availability depends on the product used and how the merchant integrates.

• Cards – Visa, Mastercard, American Express, and Diners for domestic and international transactions.

• Digital wallets and mobile payments

  • Yape – available for online checkout through Culqi integrations.

  • Plin – available on CulqiFull for in-person payments.

  • Apple Pay and Google Pay – available on CulqiFull for in-person contactless and compatible use cases.

• Alternative methods

  • PagoEfectivo – voucher and cash-based payments for online.

  • Cuotéalo BCP – installments option presented as a payment method in online flows.

Currencies: Culqi materials indicate transactions in PEN and USD, including for international cards. Confirm the intended currency and settlement setup during onboarding.

Settlements And Payout Timing

• CulqiOnline and CulqiLink: deposits are made 2 business days after the transaction date. Culqi provides examples in its product page and calculator to clarify weekdays, weekends, and holidays.

• CulqiFull POS: same-day deposits are available for merchants with accounts at selected banks, with a defined cutoff time window. Culqi notes that weekend and holiday same-day deposits apply under specific bank conditions.

Always validate your bank and payout configuration during onboarding to ensure the expected schedule.

Integration Options And Developer Experience

Culqi provides multiple integration paths:

• API 2.0 with tokenization, encryption, and resources for charges, cards, customers, subscriptions, refunds, and plans.

• Encryption guidance that describes AES and RSA approaches for secure payloads.

• SDKs and examples for common server languages that demonstrate operations such as creating refunds.

• Plugins for WooCommerce and Shopify and documentation that points to Magento, PrestaShop, and VTEX coverage. Plugins are practical for faster time-to-acceptance when a custom checkout is not required.

One-click: Culqi describes one-click as storing a payment method for subsequent charges through API models designed for that purpose.
Subscriptions: merchants can configure plans from the panel or integrate via API 2.0.

Security, Compliance, And Fraud Controls

Culqi states that it is PCI DSS certified and describes a security approach that includes:

• Tokenization and secure storage of card data in a PCI vault.

• 3-D Secure and two antifraud engines referenced in the CulqiOnline product materials.

• Operational guidance for managing fraud notifications, suspicious activity flags, and the relationship between fraud alerts and controversies.

Merchants should still follow best practices such as minimizing PCI scope, using official plugins where possible, and ensuring server-side verification of events.

Refunds And Cancellations

• Refunds can be issued from CulqiPanel or via API, with support for total and partial refunds.

• Culqi’s panel manual describes how to trigger a same-day annulment window for newly authorized transactions and how to process standard refunds after that window.

• For CulqiOnline flows, ensure your policy explains refund timing to customers and that your team has panel access rights to execute.

Reporting And Operations

CulqiPanel provides:

• Sales and deposit views, including a calendar of upcoming deposits.

• Access to controversies, refund actions, and account configuration.

• Shortcuts to developer settings and API keys.

For smaller teams, the CulqiApp mirrors essential metrics and recent activity to monitor cash flow on the go.

Who Culqi Fits Best

• Peru-based businesses that need local acceptance with cards, Yape, and PagoEfectivo.

• Merchants with mixed channels that want a single provider across POS, online checkout, and payment links.

• Subscription or repeat-purchase models that benefit from one-click and recurring billing.

• Teams prioritizing fast go-live using WooCommerce or Shopify plugins, then maturing into a custom API flow as requirements expand.