specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Culqi
providerId: culqi
created: '2026-07-17'
modified: '2026-07-17'
reconciled: false
tags:
- Payments
- Payment Gateway
- FinTech
- Peru
- Plans
- Pricing
description: >-
  Culqi has no subscription or per-call API pricing. Access to the developer
  API is free; Culqi earns a per-transaction merchant discount rate (comision)
  on each successful payment, quoted in Peruvian Soles (PEN) plus IGV (Peru's
  18% VAT). Rates vary by payment method and card origin, with a fixed minimum
  commission on small-ticket transactions. Card data can be tokenized for free
  with Culqi Checkout / Culqi JS v4.
notes: >-
  Representative merchant rates published on the Culqi pricing page as of
  July 2026; commissions are subject to negotiation for higher volumes and to
  change. All percentages are exclusive of IGV (18%). USD-denominated
  per-transaction fixed fees apply to online card charges. Verify current
  rates at https://culqi.com/precios/ during reconciliation.
sources:
- https://culqi.com/precios/
- https://docs.culqi.com/
billingCurrency: PEN
plans:
- id: culqi-online
  name: Online payments (CulqiOnline / CulqiLink)
  type: usage
  description: >-
    Per-transaction merchant discount rate on online card charges accepted via
    the API, hosted checkout or payment links.
  entries:
  - label: National cards (online)
    name: cards_national_online
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PE
    unit: 1
    price: 3.44% + USD 0.20 + IGV per transaction
    userMultiplied: false
  - label: International cards (online)
    name: cards_international_online
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: global
    unit: 1
    price: 3.99% + USD 0.20 + IGV per transaction
    userMultiplied: false
  elements:
  - name: Charges API
  - name: Tokens API
  - name: Cuotealo installments
- id: culqi-yape
  name: Yape via Culqi
  type: usage
  description: >-
    Per-transaction rate for payments accepted through Yape (BCP mobile
    wallet) via Culqi.
  entries:
  - label: Yape payment
    name: yape_payment
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PE
    unit: 1
    price: 3.44% + IGV per transaction
    userMultiplied: false
  elements:
  - name: Yape token + Charges API
- id: culqi-pagoefectivo
  name: PagoEfectivo / cash agents via Culqi
  type: usage
  description: >-
    Per-transaction rate for asynchronous cash / agent payments via
    PagoEfectivo (CIP code) accepted through the Orders API, with a fixed
    minimum on small tickets.
  entries:
  - label: PagoEfectivo payment
    name: pagoefectivo_payment
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PE
    unit: 1
    price: 3.99% + IGV; minimum S/3.50 for tickets under S/87.72
    userMultiplied: false
  elements:
  - name: Orders API
- id: culqi-full-pos
  name: CulqiFull (in-person POS)
  type: usage
  description: >-
    Per-transaction rate for in-person card payments taken on the CulqiFull
    POS device (out of scope for the API but part of the same merchant
    pricing).
  entries:
  - label: In-person card
    name: cards_in_person
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PE
    unit: 1
    price: 3.44% + IGV per transaction
    userMultiplied: false
  elements:
  - name: POS terminal
- id: culqi-enterprise
  name: Negotiated / volume
  type: enterprise
  description: >-
    High-volume merchants can negotiate custom discount rates with Culqi
    sales. Contact Culqi.
  entries:
  - label: Negotiated rate
    name: negotiated
    type: flat
    metric: contract
    limit: -1
    timeFrame: year
    geo: PE
    unit: 1
    price: contact sales
    userMultiplied: false
  elements:
  - name: Custom volume pricing
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com