Payment processor Kushki is doubling down on its commitment to the Mexican market, targeting over 50% growth by the end of 2026. As the company’s largest hub—accounting for 40% of its total processed volume across Latin America—Mexico serves as the strategic cornerstone for the firm’s regional expansion. By focusing on a unified, technology-first infrastructure, the company aims to simplify complex cross-border operations for enterprise merchants.
## AI-Driven Infrastructure and Fraud Mitigation
At the heart of Kushki’s growth strategy is an “AI-First” approach designed to tackle two of the most significant pain points in the Latin American financial sector: fraud and low authorization rates. In Mexico, where digital fraud has become increasingly sophisticated, the company is moving away from static, manual rule sets. Instead, it is deploying dynamic, intelligent risk models that analyze years of historical data and multiple real-time signals to improve precision in fraud detection.
This technological shift extends to authorization rates, which historically hover between 40% and 50% in certain verticals. By operating as an agnostic, non-bank acquirer with direct Visa and Mastercard memberships, Kushki optimizes the transaction lifecycle. By boosting authorization rates—for instance, lifting a merchant’s success rate from 65% to 75%—the firm converts what were previously declined, legitimate transactions into millions of pesos in recovered revenue for its clients.
## Simplifying Cross-Border Expansion with ‘Kushki One’
Kushki is tackling the fragmentation that often plagues businesses operating across Latin America. Its “Kushki One” platform offers a unified omnichannel solution that allows companies to manage physical point-of-sale terminals and e-commerce payments through a single contract and technical integration.
This model is particularly beneficial for multinational merchants, including major retailers and hotel groups, that need to scale rapidly across Chile, Peru, Colombia, and Ecuador. Rather than juggling disparate vendors and regulatory requirements in each country, clients can access a centralized infrastructure. The company’s internal platform, “Coda,” serves as the engine for this agility; by leveraging AI-driven data, it allows the engineering team to accelerate product development cycles, effectively tripling output without proportional increases in operational investment.
## Adapting to Local Payment Evolution
Kushki’s roadmap also reflects the changing landscape of Mexican consumer habits, particularly the rise of real-time account-to-account transfers like SPEI and DiMo. Rather than prioritizing one payment rail over another, the firm is building a modular architecture that supports a vast spectrum of options.
This flexibility is essential for accommodating the varied ticket sizes and consumer preferences across different industries. From small purchases at convenience stores to high-end electronics, the company enables merchants to tailor their checkout experiences to their specific customer base.
Looking toward 2027, the firm plans to focus on deep penetration within key verticals such as travel, hospitality, and airlines. By guiding existing clients through the transition from physical-only to true omnichannel operations, Kushki aims to cement its role as a foundational partner for companies looking to navigate the complexities of the Latin American market. The focus remains on providing a “frictionless” experience that allows merchants to concentrate on growth rather than the technical hurdles of payment processing.
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