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Processors

APIO integrates with multiple payment processors to support both single (one-time) payments and recurrent (subscription) payments, abstracting the complexity of each provider behind a unified API.

Each processor has different capabilities, limitations, and use cases. APIO handles these differences internally so you can focus on your business logic instead of processor-specific implementations.

If you want to compare processors, fees, and supported use cases, you can use our public comparison tool

Supported Processors​

APIO currently supports the following payment processors:

  • Webpay Plus
  • Webpay Oneclick
  • Khipu Payment Initiation
  • MercadoPago Checkout Pro
  • More processors coming soon...

Each processor can be used for single payments, recurrent payments, or both, depending on its capabilities.

Webpay Plus​

Webpay Plus is Transbank’s standard card payment solution and is widely used in Chile.

Single Payments​

  • Supported
  • Redirect-based checkout flow
  • Supports credit and debit cards
  • Ideal for one-time purchases and e-commerce payments

Notes​

  • User interaction is required for every charge
  • No card reuse without user approval

Webpay Oneclick​

Webpay Oneclick is Transbank’s tokenized payment solution.

Recurrent Payments​

  • Fully supported
  • Ideal for subscriptions and recurring charges
  • Card details are tokenized and stored securely by Transbank
  • APIO triggers automatic charges without user interaction

Notes​

  • Requires an initial enrollment flow
  • Best option for seamless recurring payments in Chile

Khipu – Payment Initiation​

Khipu enables payments through direct bank transfers using payment initiation.

Single Payments​

  • Supported
  • User is redirected to their bank
  • Commonly used for account-to-account payments

Notes​

  • No card usage
  • Depends on bank availability
  • Settlement times may vary

MercadoPago – Checkout Pro​

MercadoPago Checkout Pro is a hosted checkout solution supporting multiple payment methods.

Single Payments​

  • Supported
  • Redirect-based checkout
  • Supports cards, bank transfers, and local payment methods
  • Suitable for domestic and international payments

Notes​

  • Supports multiple currencies
  • Useful for cross-border or multi-method payment strategies

Choosing the Right Processor​

When selecting a processor, consider:

  • Whether you need single or recurrent payments
  • If automatic recurring charges are required
  • The preferred payment method of your users
  • Local vs international payment needs

To compare processors side by side, including fees and supported scenarios, visit:
👉 https://www.apio.cl/simulador?utm_source=apio_docs