Cross-border payments,made clear and reliable.

Manage payments, refunds, events, and payouts with one straightforward server-side API. Keep your team focused on your business, not payment plumbing.

Create merchant account Read the docs

Orders in,money settled.

Fig. 1illustrative figures, not real volume

One API: HTTP + JSON; Fits your existing backend
Sandbox and live: Two environments; Separated by key prefix
Signed webhooks: HMAC-SHA256; Trustworthy async events
Pending payments: Reconciliation; Final states checked again

Free sandbox
Hosted checkout
Verifiable webhooks

01Platform capabilities

Everything in the payment flow

The essentials in one API. Every state can be queried, and every movement of funds can be traced.

Unified payments API

Create orders, query status, and issue refunds with a predictable HTTP + JSON contract.

Hosted checkout

Send customers to a signed checkout link without handling payment credentials yourself.

Separate environments

Independent test and live keys lower the risk of accidental real transactions.

Reliable webhooks

Verify signatures, retry failed deliveries, inspect logs, and resend events.

Automatic reconciliation

Pending payments and refunds are checked again when a notification is missed.

Wallet and ledger

Track payments, refunds, and payouts in an auditable record of balance changes.

02Coverage and pricing

What you can accept, and what it costs

The platform's standard terms. Approved merchants see their own signed rates in the merchant portal.

Payment methods: Cards
Apple Pay
Google Pay
Alipay
WeChat Pay
PayPal; The sandbox offers every method. Live methods are enabled per merchant at approval, and more can be requested in the portal.
Currencies: USD · HKD · CNY; Each currency is a separate wallet, paid out in that currency. There is no automatic conversion.
Standard pricing: 3.5% + fixed fee; Per successful payment; the fixed fee is $0.30 · HK$2.35 · ¥2.00. A fee never exceeds the order amount.

Fees and settlement

03Built for developers

Your first payment starts with one request

Create an order on your server, then redirect the customer to the checkout URL. Your order reference also acts as an idempotency key, so retries are safe.

Example request · Sandbox

Request

curl -X POST https://api.kukopay.com/v1/orders \
  -H "X-Api-Key: kuko_test_•••" \
  -H "Content-Type: application/json" \
  -d '{
    "out_trade_no": "ORD_2026_001",
    "amount": 2990,
    "currency": "USD",
    "subject": "Premium plan"
  }'

Response 201

{
  "code": 201,
  "data": {
    "trade_no": "TRD_SB_9F3A2C7E…",
    "status": "pending",
    "checkout_url": "https://checkout.kukopay.com/…"
  }
}

Order amount

$29.90 USD

ORD_2026_001

SandboxPaid

Payment lifecycle

Order createdPOST /v1/orders
Checkout openedcheckout_url
Payment succeededpayment.succeeded
Webhook deliveredHTTP 200
Recorded in ledger+ $29.90

Fig. 2Illustration, not a real transaction

View quickstart

04Ways to integrate

Pick the shortest path for your stack

Every option creates the same orders on the same hosted checkout, settled and notified the same way. They differ only in who writes the code.

Server API

Orders, refunds, disputes, reconciliation and payouts over HTTP + JSON. Full control.

Payment links

A stable URL for a product or service. Each visit opens a new order — no code.

Protocol-compatible gateway

Already wired to a common payment protocol? Point it at KukoPay with a gateway URL and key — no new code.

Platform plugins

Install the plugin for your platform, enter your keys, and its orders are paid on hosted checkout.

05Integration flow

From setup to fulfillment in four steps

The browser return improves the experience; a verified server-side event is the basis for fulfillment.

01
Get a sandbox key
Create a merchant account and request a test key to start integration.
02
Create an order
Send the amount, order reference, and notification URL to get a checkout link.
03
Customer pays
Redirect the customer to KukoPay's hosted checkout.
04
Verify and fulfill
Verify the payment.succeeded event and deduplicate by event ID.

06Security by design

Safeguards built into the flow

Separate environments, signed events, and ledger rules reduce operational mistakes.

Protected keys

Keys are stored encrypted and can be reset by merchants.

Access controls

Merchant-level API rate limits and optional IP allowlists.

Environment isolation

Test and live use independent keys and ledgers.

Fund consistency

Idempotent state changes and balance movements have matching records.

07FAQ

Before you integrate

What is KukoPay?

KukoPay is a payment gateway for businesses that sell across borders. Your server creates an order with one API call and sends the customer to KukoPay's hosted checkout. KukoPay confirms the payment with the processor, credits the net amount to your wallet in that currency and notifies you with a signed webhook. Refunds, chargebacks, reconciliation and payouts run through the same API and merchant portal.

Which payment methods and currencies does KukoPay support?

Cards, Apple Pay, Google Pay, Alipay, WeChat Pay and PayPal, in USD, HKD and CNY. The sandbox offers all of them; for live payments, methods and currencies are enabled per merchant at approval, and more can be requested in the portal. Each currency is a separate wallet with no automatic conversion.

How much does KukoPay cost?

The standard rate is 3.5% plus a fixed fee per successful payment: $0.30 in USD, HK$2.35 in HKD and ¥2.00 in CNY. A fee never exceeds the order amount. Rates can be agreed per payment-method group at signing, and the rate applied is recorded on every order. The sandbox is free.

Can I open an account without a registered company?

Yes. Besides mainland Chinese companies, sole proprietorships and companies registered outside mainland China, individuals aged 18 or over can apply with their own ID document. Individual accounts have payment limits, can only be paid out to a personal account in their own name, and cannot sell digital goods or online games.

Can I accept payments without writing code?

Yes. Payment links need no code; systems that already support a common payment protocol connect with a gateway URL and key; and supported platforms have ready-made plugins. Refunds, reconciliation and dispute evidence are handled in the merchant portal.

Where can I find the API documentation?

Public integration docs are at kukopay.com/docs. Keys, orders, and webhook delivery logs are in the merchant portal.

How do I prevent duplicate orders or fulfillment?

Use a unique out_trade_no when creating an order, then deduplicate webhook events by event ID. You can retry the same order reference after a timeout.

Is the browser return proof of payment?

No. Fulfill only after verifying a payment.succeeded webhook; query the order for an additional check.

Ready to create your first sandbox order?

Open a merchant account, request a test key, and follow the quickstart from end to end.

Create sandbox account Browse documentation