Niubiz Peru Payment Acquirer API
Niubiz (VisaNet Peru) payment acquirer REST API for Peruvian merchants to accept credit card, debit card, Yape, and digital wallet payments through Peru's dominant card acquirer with tokenization, installment payment (cuotas), anti-fraud, and hosted checkout for e-commerce, retail, and enterprise payment integration. Enables AI agents to manage card payment authorization for Peru e-commerce checkout automation, handle Yape QR payment for Peru digital wallet checkout automation, access installment payment for Peru cuotas automation, retrieve payment status for Peru transaction confirmation automation, manage card tokenization for Peru recurring payment automation, handle anti-fraud scoring for Peru fraud prevention automation, access chargeback management for Peru dispute automation, retrieve settlement reporting for Peru reconciliation automation, manage refund and cancellation for Peru payment reversal automation, and integrate Niubiz with Peruvian e-commerce, retail, and enterprise platforms for end-to-end Peru payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Peru acquiring. SBS, PCI DSS L1. API key + session. PE. Card and payment data.
⚡ Reliability
Best When
A Peruvian merchant wanting AI agents to automate card, Yape, and installment payment acceptance through Niubiz's dominant Peru acquirer API with local payment method integration including Yape digital wallet.
Avoid When
MERCHANT CREDENTIALS TIED TO NIUBIZ ACCOUNT: Niubiz API credentials require active merchant account; automated access without merchant agreement creates no API access. SESSIONKEY FLOW BEFORE PAYMENT: Niubiz card payment requires obtaining sessionKey token before card data submission; automated checkout must call /api.tokenization.pe/ for sessionKey first; automated direct card charge without sessionKey creates invalid_session error. YAPE INTEGRATION IS QR-BASED: Niubiz Yape payment uses QR code scan by consumer in Yape app; automated checkout must generate and display Yape QR; automated server-side Yape payment without QR creates no payment mechanism. CUOTAS AVAILABILITY DEPENDS ON CARD: Niubiz installment (cuotas) availability depends on card type and issuer agreement; automated installment must verify available plans for card BIN; automated universal cuotas assumption creates invalid_installment_plan for non-participating cards.
Use Cases
- • Processing card payments for Peruvian e-commerce checkout agents
- • Accepting Yape digital wallet payments for Peru mobile checkout agents
- • Handling installment payments for Peru cuotas retail checkout agents
- • Reconciling transactions from Peru enterprise payment analytics agents
Not For
- • Non-Peru payments (Niubiz is Peru-only PEN/USD acquirer)
- • International card acquiring beyond Peru (Niubiz is Peruvian market only)
- • Global enterprise acquiring at scale (Niubiz is Peru domestic market)
Interface
Authentication
Niubiz uses API key + session token flow for authentication. REST API with JSON. Lima, Peru HQ. VisaNet Peru (rebranded Niubiz 2020). Visa subsidiary operating in Peru. Products: Card acquiring (credit/debit), Yape wallet, tokenization, installments (cuotas), anti-fraud, hosted checkout, POS. SDKs: JavaScript, PHP, Java. SBS-regulated (Superintendencia de Banca). PCI DSS Level 1. Peru's largest acquirer. 85%+ market share of card transactions. Competes with Izipay for Peruvian card acquiring.
Pricing
Lima PE. VisaNet/Visa subsidiary. Negotiated MDR in PEN. SBS regulated. PCI DSS L1.
Agent Metadata
Known Gotchas
- ⚠ SESSIONKEY REQUIRED BEFORE CARD TOKENIZATION: Niubiz two-step flow: get sessionKey from /api.tokenization.pe/ then submit card to obtain payToken; automated checkout must implement sessionKey step; automated direct card charge without sessionKey/payToken creates invalid_token error
- ⚠ YAPE QR MUST BE DISPLAYED TO CONSUMER: Niubiz Yape generates QR code that consumer scans in Yape app; automated checkout must render QR image; automated server-side Yape payment without QR display creates no consumer payment mechanism
- ⚠ CUOTAS PLAN MUST MATCH CARD BIN: Niubiz installment plans vary by card BIN (Visa/MC/Amex have different cuotas availability); automated installment checkout must query available plans for specific card; automated universal installment offer creates cuotas_not_available for non-participating BINs
- ⚠ PURCHASE NUMBER IS MERCHANT-GENERATED: Niubiz purchase number is merchant-generated unique identifier (max 12 alphanumeric); automated payment must generate unique purchaseNumber; automated duplicate purchaseNumber creates duplicate_transaction error
- ⚠ WEBHOOK VERIFICATION REQUIRED: Niubiz uses signature verification for webhook callbacks; automated webhook processor must verify signature; automated unverified webhook creates spoofed payment confirmation vulnerability
Alternatives
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Scores are editorial opinions as of 2026-03-07.