About mcp-khipu
mcp-khipu is an MCP server for Khipu, a Chilean instant bank-transfer payment provider. It is designed for Chilean merchants and agents that accept bank transfers alongside card payments such as mcp-transbank. It covers payments, refunds, reconciliation, webhooks and POS terminal sessions.
Key features
- 01Create, get, confirm and refund payments
- 02Filter payment records by date and status
- 03Bank and merchant account lookups
- 04Reconciliation and payer review queries
- 05Webhook registration and management
- 06POS terminal sessions and automatic payments
Use cases
- 01Offering bank-transfer checkout in Chilean e-commerce
- 02Collecting payments for larger purchases and B2B sales
- 03Combining bank transfer with card payments at checkout
MCP support
The server exposes Khipu's payment, merchant, webhook and terminal session endpoints as MCP tools that MCP clients can call directly.
Configuration
Local server config is the same for every client. Copy it into your client’s MCP config file.
npx -y @codespar/mcp-khipuKHIPU_API_KEYSecretKhipu v3 API key (sent as x-api-key header). Obtain from Khipu merchant panel → Developers.KHIPU_RECEIVER_IDKhipu receiver id (merchant id). Required only for legacy v2 HTTP Basic auth; not needed when KHIPU_API_KEY is set.KHIPU_SECRETSecretKhipu receiver secret. Required only for legacy v2 HTTP Basic auth; not needed when KHIPU_API_KEY is set.KHIPU_BASE_URLKhipu API base URL. Defaults to https://payment-api.khipu.com/v3.Local servers need a runtime on your machine (e.g. Node.js 18+). Config file locations differ by client; see your client’s docs.
Tools
21Saved tool list · updated 2w ago
| Parameter | Type | Required | Description |
|---|---|---|---|
| body | string | No | Longer description of the payment (shown alongside subject) |
| amount | number | Yes | Amount in major units (CLP has no decimals — 1000 = 1000 pesos) |
| custom | string | No | Arbitrary merchant string (JSON-encoded if you need structure) echoed back in webhooks |
| subject | string | Yes | Short human-readable purpose of the payment (shown to the payer at their bank) |
| currency | string | Yes | ISO-4217 currency code. Typically CLP for Chile; CLF supported for UF-denominated charges. |
| cancel_url | string | No | Browser redirect target if the payer cancels |
| notify_url | string | No | Webhook URL Khipu POSTs to on status changes (receives a notification_token) |
| payer_name | string | No | Payer display name |
| return_url | string | No | Browser redirect target after a successful payment |
| send_email | boolean | No | If true, Khipu emails the payer with the payment link |
| payer_email | string | No | Payer email — Khipu emails the payment instructions to this address |
| expires_date | string | No | ISO-8601 expiration timestamp for this payment request |
| integrator_fee | number | No | Integrator fee (for partners) |
| send_reminders | boolean | No | If true, Khipu sends the payer reminder emails before expiration |
| transaction_id | string | No | Merchant-side order reference echoed back in webhooks |
| notify_api_version | string | No | Webhook API version. Use '3.0' for v3 notifications. |
| collect_account_uuid | string | No | Override the default collection account |
| confirm_timeout_date | string | No | ISO-8601 deadline after which an unconfirmed payment auto-reverses |
| responsible_user_email | string | No | Internal merchant user email shown in Khipu's dashboard as responsible for this charge |
| fixed_payer_personal_identifier | string | No | Lock this payment to a specific payer RUT |
Details
From the project README@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
Comments
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