@codespar/mcp-khipu

@codespar/mcp-khipu

MCP server for Khipu — Chilean instant bank-transfer PSP.

Khipu lets a payer pay from their Chilean bank account in real time: the merchant creates a payment, the payer is redirected to Khipu, logs into their bank, and the transfer lands instantly. No card, no credit limit, no interchange fees — the Chilean preferred rail for higher-ticket purchases.

Chilean agents typically bundle Khipu with @codespar/mcp-transbank: Webpay for cards, Khipu for bank transfers. Together they cover the vast majority of Chilean checkout preferences.

Tools (21)

Tool	Purpose
create_payment	Create a Khipu payment (bank-transfer charge).
get_payment	Retrieve a Khipu payment.
delete_payment	Delete (cancel) a pending Khipu payment.
confirm_payment	Manually confirm a Khipu payment.
refund_payment	Refund a paid Khipu payment (full or partial).
list_payments	List Khipu payments for the current merchant, optionally filtered by date range and status.
predict_payment	Predict whether a payment is likely to succeed for a given payer+amount+bank, and recommend the best bank/r...
get_merchants	List the merchant receiver accounts accessible with the current API key.
get_merchant	Fetch a single merchant by id.
list_merchant_accounts	List the bank accounts registered for a merchant to collect into.
create_receiver	Create (onboard) a new receiver under an integrator account.
list_receivers	List receivers onboarded under the current integrator account.
list_conciliations	List settlement / conciliation records for a date range.
list_reviews	List payer reviews / opinions left after a Khipu payment.
register_webhook	Register a webhook endpoint to receive Khipu notifications (payment.paid, payment.refunded, etc).
list_webhooks	List registered webhook endpoints for the current merchant.
delete_webhook	Delete (unregister) a webhook endpoint by id.
create_terminal_session	Create a Khipu terminal session for in-person / POS bank-transfer checkout.
get_terminal_session	Retrieve the current status of a terminal (POS) session — whether the payer has scanned, paid, or the sessi...
get_banks	List Chilean banks supported by Khipu for bank-transfer payments.
create_automatic_payment	Create a Khipu automatic payment (recurring / subscription charge against a previously enrolled subscriptio...

Install

npm install @codespar/mcp-khipu@alpha

Environment

# Preferred — v3 API key auth
KHIPU_API_KEY="..."       # sent as x-api-key header

# Legacy — v2 HTTP Basic auth (only if no API key available)
KHIPU_RECEIVER_ID="..."   # merchant receiver id
KHIPU_SECRET="..."        # receiver secret

# Optional
KHIPU_BASE_URL="..."      # defaults to https://payment-api.khipu.com/v3

Authentication

Khipu v3 uses a single API key in the x-api-key header — no request signing, no HMAC. Obtain the key from the Khipu merchant panel under Developers → API keys.

If KHIPU_API_KEY is unset, the server falls back to v2 HTTP Basic with KHIPU_RECEIVER_ID:KHIPU_SECRET for merchants still on the legacy endpoints.

All request bodies are JSON (v3); the server sets Content-Type: application/json automatically.

Run

# stdio (default — for Claude Desktop, Cursor, etc)
npx @codespar/mcp-khipu

# HTTP (for server-to-server testing)
MCP_HTTP=true MCP_PORT=3000 npx @codespar/mcp-khipu

Why Khipu + Transbank

Chile has two dominant checkout rails:

• Card (Transbank Webpay) — universal, works everywhere, interchange fees apply.
• Bank transfer (Khipu) — no card needed, no credit limit, cheaper fees, preferred for larger purchases and B2B.

An agent that can offer both at checkout converts materially better than one that only takes cards. @codespar/mcp-transbank handles the first; this package handles the second.

Pair with

• @codespar/mcp-transbank — Chilean card acquiring (Webpay Plus, Oneclick, Full Transaction)
• @codespar/mcp-dlocal — cross-border LatAm coverage when you need CL + other countries through one API

Enterprise

Need governance, budget limits, and audit trails for agent payments? CodeSpar Enterprise adds policy engine, payment routing, and compliance templates on top of these MCP servers.

License

MIT