@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:

1. Card (Transbank Webpay) — universal, works everywhere, interchange fees apply.
2. 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