We Brought Subscriptions Payment by Debit Card to Chile

Avatar img
Stella Vargas
Líder de contenido @Kushki
septiembre 10, 2020
Lectura de 2 minutos
We Brought Subscriptions Payment by Debit Card to Chile

Good news! Kushki now offers subscription payments by debit card in Chile.

According to the latest Central Bank Household Financial Survey, 73% of the Chilean population owns debit cards; and thanks to our tokenization system for these cards, users will have access to digital services for streaming, transport, delivery, etc. that are paid through recurring payments or subscriptions.

This means, that most of the population will enjoy services such as Rappi, Netflix, Didi, Amazon, among others, which previously were not accessible because they were not part of the 43% that owns a credit card.

It is important to note that Chile was the only country in the region where debit cards could not be tokenized yet, but thanks to an alliance with Übank, we integrated a system for users to use their cards and transfer savings from checking accounts. This makes available a technology hitherto unknown to the Chilean market, that will promote an important change in the country's economy and in the services for customers.

We hope that this is only the beginning of a substantial advance in the inclusion of the population in online services. And soon, we expect that the use of this system would become a standard in payment methods for apps and digital service platforms.

You can read the original news in the 24 Horas journal here.

Be the life of the party with the latest information on digital payments.

Subscribe to our Kushki Hub to receive alerts about our new content.

Suscribe illustration
Don't know which product is right for your business?
Does the world of payments catch your attention?

More about our kushki Hub

Powering the Development of the Real Estate Sector with MobySuite

Powering the Development of the Real Estate Sector with MobySuite

Driving the development of the real estate industry with MobySuite Digital media have set an important milestone in the commercialization of goods and services, and the real estate sector is not an exception. Digital platforms already were the preferred means for the purchase and rent of properties. Then, the COVID-19 pandemic forced us to confinement, increasing the need of businesses to adopt new technologies and transform themselves digitally. Given this need, PropTech (property technology) enterprises keep finding the best way to apply technology to the refinement, improvement and reinventing of the real estate sector. One of these companies is MobySuite, which, with its real estate software 100% online, supports the property purchase process from the first contact by the potential owner to the time of handing over the property. They provide assistance in customer service (in-person and remotely) and also in the reservation and payment management process. In this way, Mobysuite improves the experience of property purchase and selling by providing help and opening possibilities for all the stakeholders involved in the process: For buyers, to make the payment of their installments remotely. For real estate agencies, to automate their business flow and keep it updated in real time. For customers (property owners), to make reservation agreements for property, to pay reservations (with Visa and Mastercard), and download agreements in an easy and automated way. Among other things. The role we play in LatAm development Our commitment to promoting the development of the LatAm economy is what keep us together. In the end, we all want to generate the necessary transformation in the financial and real estate market, working with passion and developing the cutting-edge technologies adapted to the needs of customers and users. Together we offer a solution for real estate agencies so that they can manage their processes safely, efficiently and intuitively. Making possible on their part, the access and payment of real estate services for customers who need them, thus keeping the economy of these countries in motion.
Avatar img
Stella Vargas
Líder de contenido @Kushki
agosto 25, 2020
Create your first GraphQL API using AWS AppSync

Create your first GraphQL API using AWS AppSync

We have a lot to share about this topic. So if you want to learn, read carefully. First, you want to know that the information will be divided in two parts: In this article, we will address basic concepts of GraphQL. We will design a simple API from scratch, and we will deploy it using AWS AppSync and Serverless Framework. In the second part, we will create a client-side application to consume the API. We will use Amplify+React JS framework, and we will fit our API with more features by using subscriptions for a case of real-time use. What is GraphQL? GraphQL is a data query language for APIs, the essential idea is to make the API available through a single endpoint, instead of accessing several endpoints, as it is currently done with REST. Among the advantages of GraphQL we can list the following: Customers can specify exactly the structure of the data that will be served. Efficiency in data loading, improving bandwidth use. Declarative and self-documenting style, thanks to its strongly typed schemas. Schemas Schemas determine APIs capacity and define three basic operations: query, mutation, subscription. It also includes entry parameters and possible responses. Resolvers Resolvers implement APIs and describe the server's behavior. They are basically functions that are in charge of obtaining data for each field defined in the schema. AWS Appsync + Serverless Framework AppSync is a serverless service managed by AWS; it is GraphQL layer that will help us to develop our API smoothly. It is important to know AppSync basic components: Schema: As we said before, it will help us to define basic types and operations to retrieve and save data. Resolvers: They define query mapping templates and response templates for each field defined in the schema. They are written in VTL and are responsible for interpreting the responses from data sources; they also analyze queries. Data sources: Integration with AWS services: DynamoDB, Lambda, RDS, and ElasticSearch. Authentication: We can authenticate APIs by using API keys, IAM or Cognito User Pools As we can see, AppSync provides some tools to build a GraphQL API smoothly. We just follow a series of steps in the AWS AppSync console and, in a few minutes, we will have a functional app. However, we prefer to do it in a way that keeps it closest to the reality of modern production applications. Here's where Serverless Framework comes into play: A robust technology for defining infrastructure as code focused in serverless applications for different cloud providers. At Kushki, we believe that, nowadays, having a versioned and automated serverless infrastructure is crucial. We will see that it is a practical and efficient way of implementing our API. Serverless features several options to deploy AppSync in the cloud. Let's start to put into practice all these concepts by creating a simple application. The application: To-do List In this first part of the article, we will create a GraphQL API of a CRUD To-Do List. We will use DynamoDB for the database. Requirements: NodeJS An account in AWS (set up credentials) Serverless Framework Let's start installing Serverless Framework and a plugin for Appsync: npm install -g serverless serverless-appsync-plugin In the main directory of the project, we will execute the following command to create a template containing the configurations we need to create a serverless application in AWS. serverless create --template aws-nodejs Note: Add serverless-appsync-plugin in the plugins section of the serverless.yml file: First, we'll define part of our infrastructure. To do this, we will create an all table in DynamoDB, in serverless.yml. At this moment, we will not worry about multiple configurations, the following fragment of code will be enough: yml resources: Resources: all: Type:"AWS::DynamoDB::Table" Properties: TableName: all AttributeDefinitions: - AttributeName: id AttributeType: S KeySchema: - AttributeName: id KeyType: id KeyType: HASH BillingMode: PAY_PER_REQUEST Define a GraphQL Schema In the root file, create a schema.graphql file. Here is where we will define our schema and data types. For the moment, we will define the query and mutation operations. GraphQL has its own syntax, called SDL, here you can learn more about this topic. query: Query mutation: Mutation } type Query { listToDos: [ToDo] getToDoById(id: ID!): ToDo } type Mutation { createToDo(input: CreateToDoInput!): ToDo updateToDo(input: UpdateToDoInput!): ToDo deleteToDo(id: ID!): Boolean } type ToDo { id: ID! name: String title: String! description: String completed: Boolean! } input CreateToDoInput { id: ID! name: String! title: String! description: String! completed: Boolean! } input UpdateToDoInput { name: String! title: String! description: String! completed: Boolean! } ``` Remember that for each field you define, you need to implement a resolver. In this case, our resolvers are queries for DynamoDB, written in VTL. There are some utility functions that will make its implementation easier, for more information on resolver mapping templates, you may [check this link.](https://docs.aws.amazon.com/es_es/appsync/latest/devguide/resolver-mapping-template-reference-overview.html) ### createToDo Resolver: We will create a mapping-templates directory in the root file of the project where we are hosting **the query and response resolvers** for each field created in the schema. **Request**: Create a createToDo-request.vtl file and insert the following code: json { "version" : "2017-02-28", "operation" : "PutItem", "key" : { "id" : $util.dynamodb.toDynamoDBJson($context.arguments.input.id) }, "attributeValues" : { "name" : $util.dynamodb.toDynamoDBJson($context.arguments.input.name), "title" : $util.dynamodb.toDynamoDBJson($context.arguments.input.title), "description" : $util.dynamodb.toDynamoDBJson($context.arguments.input.description), "completed" : $util.dynamodb.toDynamoDBJson($context.arguments.input.completed) } } Using the variable $context.argument we can have access to the entry parameters that we have defined in our schema. **Response:** Create a createToDo-response.vtl file and insert the following code: json $utils.toJson($context.result) Do not worry about how data are obtained from DynamoDB, AppSync performs the connection with data sources, returns data in the variables $context.result and $utils.toJson, and displays them in an readable format for GraphQL. If you want to process these data in the resolver, you can do it using VTL. ### updateToDo Resolver: **Request:** Create an updateToDo-request.vtl file and insert the code below; in this case, we will use an UpdateItem operation of DynamoDB: json { "version" : "2017-02-28", "operation" : "UpdateItem", "key" : { "id" : $util.dynamodb.toDynamoDBJson($context.arguments.input.id) }, "update" : { "expression" : "SET name = :name, title = :title, description = :description, completed = :completed", "expressionValues": { ":author" : $util.dynamodb.toDynamoDBJson($context.arguments.input.name), ":title" : $util.dynamodb.toDynamoDBJson($context.arguments.input.title), ":content" : $util.dynamodb.toDynamoDBJson($context.arguments.input.description), ":url" : $util.dynamodb.toDynamoDBJson($context.arguments.input.completed) } } } **Response:** Create a createToDo-response.vtl file and insert the following code: json $utils.toJson($context.result) ### getToDoByID Resolver: **Request:** Create a createToDoById-request.vtl file and insert the following code: json { "version" : "2017-02-28", "operation" : "GetItem", "key" : { "id" : $util.dynamodb.toDynamoDBJson($context.args.id) } } **Response:** Create a getToDoById-response.vtl file and insert the following code: json $utils.toJson($context.result) We will define our AppSync infrastructure and the servereless.yml file, where we will define the resolvers (mappingTemplates), schema (schema), data source, and authentication type (authenticationType). It should have the following structure: ```yml service: name: appsync-todo-app-backend plugins: - serverless-appsync-plugin custom: appSync: name: todo-app authenticationType: API\_KEY mappingTemplates: - dataSource: all type: Mutation field: createToDo request: "createToDo-request.vtl" response: "createToDo-response.vtl" - dataSource: all type: Mutation field: updateToDo request: "updateToDo-request.vtl" response: "updateToDo-response.vtl" - dataSource: all type: Query field: getToDoById request: "getToDoById-request.vtl" response: "getToDoById-response.vtl" schema: # defaults schema.graphql dataSources: - type: AMAZON\_DYNAMODB name: all description: 'All table' config: tableName: all provider: name: aws runtime: nodejs12.x resources: Resources: all: Type: "AWS::DynamoDB::Table" Properties: TableName: all AttributeDefinitions: - AttributeName: id AttributeType: S KeySchema: - AttributeName: id KeyType: HASH BillingMode: PAY\_PER\_REQUEST ``` Finally, we will execute the following command to deploy our API in the AWS cloud: serverless deploy Testing our GraphQL API: ------------------------ If we open AWS AppSync console, we will see the schema, the resolvers, the authentication and the data source that we have defined. ![1](//images.ctfassets.net/51xdmtqw3t2p/38jvJWZzFIzGLXeuPAULHy/70ebd476682d5a05dd8ba70cb48839f5/1.png) On the other hand, we also have a GraphQL client that we will use to test our API. In the Figure below, we can see the API's documentation according to the schemas defined. ![2](//images.ctfassets.net/51xdmtqw3t2p/2Vc4LvOnbdPFSVrQLQxvVx/c75d14d482037f1262f9f56908cce231/2.png) When executing the createToDo **mutation operation** a registry is created in DynamoDB and returns the object created according to the defined fields. ![3](//images.ctfassets.net/51xdmtqw3t2p/2N63LoqxNDUNntXI1jyvF9/175900fec088c5ffa1b5b47f2b0278f1/3.png) ![4](//images.ctfassets.net/51xdmtqw3t2p/28XQHlO0GGHd9nfnRjuoZx/8d323149837cf818cfea1cf326678e75/4.png) To retrieve data from a ToDo, we should execute the getToDoById **query operation**. We can request the field **name** only, or those that are necessary. ![5](//images.ctfassets.net/51xdmtqw3t2p/76oayQ1SYwYAwiiwUaR2Jg/8961d007947bbde203072dc0c221dbd4/5.png) ![6](//images.ctfassets.net/51xdmtqw3t2p/4m9ABOfoYUtN0iYijubnGT/5774f1bfa0299539fc6ab49c698ff445/6.png) --- There you have: **In this article, we described GraphQL basic concepts, we designed a simple API from scratch, and deployed it using AWS AppSync and Serverless Framework.** **Remember that a second part is to come, where we will create a client-side application to consume the API. We will use Amplify+React JS framework, and we will fit our API with more features by using subscriptions for a case of real-time use.** Join us in the second part of this article!
Avatar img
Alex Suquillo
Software Developer
agosto 17, 2020
Kushki Arrives at Mexico

Kushki Arrives at Mexico

Kushki arrives in Mexico! "For some time now, we have seen in Mexico a very big opportunity for development", said our founder, Sebastián Castro, during an interview with Forbes Mexico. So we are happy to announce that we have opened our offices in this country. Despite the COVID-19 pandemic, this year has brought many opportunities for Kushki because the confinement led many businesses to make their payments digital or to expand their payment channels to include wire transfers, credit or debit cards, and even cash. Sebastián says: “companies we talked to earlier in the year and that didn't have in mind to take the next step to this phase, found us later to start with it immediately. All this has become a strong impulse for us, and we don't think that it will stop in the future”. In this way, we continue to grow, we succeeded in reaching Mexico, and opened our offices in the country with the help of our investor, DILA Capital, which has been a big ally in this process. Mexico has a great development potential with regards to payment channels Around 96% of the businesses are still run offline, as Sebastián pointed out in his interview with Forbes. This country and its inhabitants, as well as all in Latin America, would obtain great benefits from digital transformation, and we want to be part of this process. After all, we want to connect Latin America with our payment platform. If you want to know more about this, we invite you to read the Forbes article: La Fintech Kushki quiere hacer de México su principal fortaleza en Latam (The fintech Kushki wants to make Mexico its main fortress in Latam).
Avatar img
Stella Vargas
Líder de contenido @Kushki
agosto 11, 2020