# Fintoc: v2026-02-01 English API reference ## API reference ### Fintoc API - [Pagination](https://docs.fintoc.com/api/fintoc-api/pagination.md): How pagination works in the Fintoc API, including Link header format, offset pagination for v1 endpoints, and cursor pagination for v2 endpoints. - [Metadata](https://docs.fintoc.com/api/fintoc-api/metadata.md): Attach `metadata` key-value pairs to Fintoc objects like `Charge`, `CheckoutSession`, `PaymentIntent`, `Transfer`, and `AccountNumber`, with limits. - [Idempotent requests](https://docs.fintoc.com/api/fintoc-api/idempotent-requests.md): How to safely retry POST requests to the Fintoc API using the Idempotency-Key header to avoid creating duplicate charges, payment intents, or transfers. - [Chile institution codes](https://docs.fintoc.com/api/fintoc-api/chile-institution-codes.md) #### Errors - [Error object](https://docs.fintoc.com/api/fintoc-api/errors/errors-object.md) ### Main Resources #### Events - [List events](https://docs.fintoc.com/api/main-resources/events-reference/events-list.md): Lists events for your organization in the mode of the API key you use, most recent first. Each event's `data` contains the same payload Fintoc sends to your webhook endpoints. Use this endpoint to reprocess events your integration missed without waiting for a redelivery. - [Get an event](https://docs.fintoc.com/api/main-resources/events-reference/events-get.md): Returns a single event by its ID. The event's `data` is the same payload Fintoc sends to your webhook endpoints. Events are scoped to the mode of the API key you authenticate with, so an event from the other mode returns a `404 Not Found` error. - [Types of events](https://docs.fintoc.com/api/main-resources/events-reference/types-of-events.md): Reference list of all webhook event types Fintoc emits for payments, invoices, transfers, links, refresh intents, and other API resources. #### Institutions - [Institutions](https://docs.fintoc.com/api/main-resources/institutions/index.md) - [Institutions object](https://docs.fintoc.com/api/main-resources/institutions/institutions-object.md) #### Webhook endpoints - [Webhook endpoint object](https://docs.fintoc.com/api/main-resources/webhook-endpoints/webhook-endpoints-object.md) - [List webhook endpoints](https://docs.fintoc.com/api/main-resources/webhook-endpoints/webhook-endpoints-list.md): Lists the webhook endpoints of your organization for the `live` or `test` mode of the API key used. Deleted endpoints are not returned, and `secret` is always `null` outside creation. - [Get a webhook endpoint](https://docs.fintoc.com/api/main-resources/webhook-endpoints/webhook-endpoints-get.md): Retrieves a webhook endpoint by its `id`. Only endpoints matching the `live` or `test` mode of the API key are visible; deleted endpoints return a `404 Not Found` error. `secret` is always `null` outside creation. ### Payments API #### Checkout sessions - [Checkout sessions](https://docs.fintoc.com/api/payments-api/checkout-sessions/index.md) - [Checkout session object](https://docs.fintoc.com/api/payments-api/checkout-sessions/checkout-session-object.md) - [Create a checkout session](https://docs.fintoc.com/api/payments-api/checkout-sessions/checkout-sessions-create.md): Creates a checkout session in the `live` or `test` mode of the API key used. The `flow` determines what the session does: `payment` collects a one-time payment, `subscription` starts a recurring subscription, and `setup` saves a payment method for future payments. Required fields depend on the flow.… - [List checkout sessions](https://docs.fintoc.com/api/payments-api/checkout-sessions/checkout-sessions-list.md): Lists the checkout sessions of your organization for the `live` or `test` mode of the API key used. The API returns sessions sorted by creation date, with the most recently created sessions first. Use `limit`, `starting_after`, and `ending_before` to paginate through the list. The `Link` response he… - [Get a checkout session](https://docs.fintoc.com/api/payments-api/checkout-sessions/checkout-sessions-get.md): Retrieves the checkout session with the given `id` for the `live` or `test` mode of the API key used. Use this endpoint to check the current `status` of the session and, once your customer finishes the payment, the resulting `payment_resource`. - [Expire a checkout session](https://docs.fintoc.com/api/payments-api/checkout-sessions/checkout-sessions-expire.md): Expires the checkout session with the given `id` before your customer completes the payment. You can only expire a session while its `status` is `created`. Expiring a session also expires any pending payment of the session and triggers a `checkout_session.expired` webhook event. Returns the session… #### Customers - [The Customer object](https://docs.fintoc.com/api/payments-api/customers/customer-object.md) - [Create a customer](https://docs.fintoc.com/api/payments-api/customers/customers-create.md): Creates a customer in the `live` or `test` mode of the API key used. At least one of `email` or `tax_id` must be provided; every other field is optional. If a `tax_id` is provided, both its `type` and `value` are required. Values are normalized before being stored: `email` and `address.country` are… - [List customers](https://docs.fintoc.com/api/payments-api/customers/customers-list.md): Lists the customers of your organization for the `live` or `test` mode of the API key used. Customers are returned sorted by creation date, with the most recently created customers appearing first. Use `limit` together with the `starting_after` and `ending_before` cursors to paginate the results. Th… - [Get a customer](https://docs.fintoc.com/api/payments-api/customers/customers-get.md): Retrieves the customer with the given `id`. Only customers created in the `live` or `test` mode of the API key used are visible. Requesting a customer from the other mode returns a `404 Not Found` error. #### Disputes - [Disputes](https://docs.fintoc.com/api/payments-api/disputes/index.md) - [The Dispute object](https://docs.fintoc.com/api/payments-api/disputes/dispute-object.md) - [The Dispute Document object](https://docs.fintoc.com/api/payments-api/disputes/dispute-document-object.md) - [List disputes](https://docs.fintoc.com/api/payments-api/disputes/disputes-list.md): Lists the disputes of your organization for the `live` or `test` mode of the API key used. Returns the most recent disputes first. Use the `status`, `resource_id`, `since`, and `until` query parameters to filter the list. - [Get a dispute](https://docs.fintoc.com/api/payments-api/disputes/disputes-get.md): Retrieves a dispute by its `id`. Only disputes matching the `live` or `test` mode of the API key are visible; any other dispute returns a `404 Not Found` error without leaking its existence. - [Submit a dispute for review](https://docs.fintoc.com/api/payments-api/disputes/disputes-submit-for-review.md): Submits the uploaded documentation of a dispute for review. The dispute must be in `waiting_documentation`, have at least one document, and be within its documentation upload deadline. On success the dispute moves to `in_review` and Fintoc's operations team is notified. - [Upload a dispute document](https://docs.fintoc.com/api/payments-api/disputes/disputes-documents-create.md): Uploads a document as evidence for a dispute. Send the file as `multipart/form-data`. The file must be a PDF, JPEG, or PNG and smaller than 10 MB. You can upload documents only while the dispute is in `waiting_documentation` and within its documentation upload deadline. The dispute must match the `l… #### Invoice line items - [The Invoice Line Item object](https://docs.fintoc.com/api/payments-api/invoice-line-items/invoice-line-item-object.md): Reference for the Invoice Line Item object, which represents a single charge on an Invoice with its amount, quantity, and billing period. - [Update an invoice line item](https://docs.fintoc.com/api/payments-api/invoice-line-items/invoice-lines-update.md): Updates a line item of a draft invoice and recalculates the invoice total. All body fields are optional; send only the fields you want to change. The invoice must be in `draft` status and any new currency must match the invoice currency. #### Invoices - [The Invoice object](https://docs.fintoc.com/api/payments-api/invoices/invoice-object.md): Reference for the Invoice object in Fintoc: line items, payment attempts, collection method, and the status that tracks your customer's debt. - [List invoices](https://docs.fintoc.com/api/payments-api/invoices/invoices-list.md): Lists the invoices of your organization for the `live` or `test` mode of the API key used, sorted by creation date with the most recent first. Use `subscription` to narrow the list to the invoices generated by a single subscription, and the cursor parameters to paginate through the results. - [Get an invoice](https://docs.fintoc.com/api/payments-api/invoices/invoices-get.md): Retrieves an invoice by its `id`. Only invoices of your organization that match the `live` or `test` mode of the API key are visible. - [Create an invoice](https://docs.fintoc.com/api/payments-api/invoices/invoices-create.md): Creates a one-off invoice for a customer, in the `live` or `test` mode of the API key used. The invoice is not tied to a subscription and starts in `draft` status. Fintoc does not charge the invoice until you finalize it. The `total` is the sum of the `lines`, which must all share the same `currency… - [Add invoice lines](https://docs.fintoc.com/api/payments-api/invoices/invoices-add-lines.md): Appends one or more line items to a draft invoice and recalculates the invoice total. The invoice must be in `draft` status and every line item must use the invoice currency. If any line item is invalid, the whole request fails and no line item is added. - [Remove invoice lines](https://docs.fintoc.com/api/payments-api/invoices/invoices-remove-lines.md): Removes one or more line items from a draft invoice and recalculates the invoice total. Pass the `id` of every line item to remove. If any `id` does not belong to a line item of the invoice, the whole request fails and no line item is removed. The invoice must be in `draft` status. - [Update an invoice line item](https://docs.fintoc.com/api/payments-api/invoices/invoice-lines-update.md): Updates a line item of a draft invoice and recalculates the invoice total. All body fields are optional; send only the fields you want to change. The invoice must be in `draft` status and any new currency must match the invoice currency. - [Finalize an invoice](https://docs.fintoc.com/api/payments-api/invoices/invoices-finalize.md): Finalizes a `draft` invoice, moving its `status` to `open`. This is how you advance an invoice for collection: Fintoc never finalizes invoices automatically. When the invoice has a `default_payment_method` and its `collection_method` is `charge_automatically`, Fintoc charges the invoice right after… - [Pay an invoice](https://docs.fintoc.com/api/payments-api/invoices/invoices-pay.md): Settles an `open` invoice, in the `live` or `test` mode of the API key used. By default Fintoc charges the invoice: pass `payment_method` to charge a specific method, or omit it to use the invoice's `default_payment_method`. The method must belong to the invoice's customer and be active. Use this to… - [Void an invoice](https://docs.fintoc.com/api/payments-api/invoices/invoices-void.md): Voids an invoice, setting its `status` to `void` so it can no longer be paid. You can void an invoice while it is in `draft` or `open` status. Voiding an invoice that is already `void` returns it unchanged. You cannot void an invoice that has already been paid, or one with a payment in progress. #### Payment intents - [The Payment Intent object](https://docs.fintoc.com/api/payments-api/payment-intents/payment-intents-object.md) - [Payment intent error reason](https://docs.fintoc.com/api/payments-api/payment-intents/payment-intent-error-reason.md) - [Create a payment intent](https://docs.fintoc.com/api/payments-api/payment-intents/payment-intents-create.md): Creates a payment intent that charges a previously saved payment method, in the `live` or `test` mode of the API key used. Unlike `POST /v1/payment_intents`, which starts a customer-present flow completed through the Fintoc widget, this endpoint charges the `payment_method` directly, with no custome… - [Get a payment intent](https://docs.fintoc.com/api/payments-api/payment-intents/payment-intents-get.md): Retrieves the payment intent with the given `id`. The payment intent must belong to your organization and match the `live` or `test` mode of the API key used. Available for organizations on API version `2026-02-01` or later. - [List payment intents](https://docs.fintoc.com/api/payments-api/payment-intents/payment-intents-list.md): Returns the payment intents of your organization, in the `live` or `test` mode of the API key used, sorted by creation date with the most recent first. Unlike `GET /v1/payment_intents`, which uses page-based pagination (`page` and `per_page`), this endpoint uses cursor-based pagination. Use `limit`… - [Check payment eligibility](https://docs.fintoc.com/api/payments-api/payment-intents/payment-intents-check-eligibility.md): Checks whether a payment for the given amount and sender account passes the transfer limits that banks and Fintoc enforce, without creating a payment intent. Only available for CLP payments. Available for organizations on API version `2026-02-01` or later. #### Payment links - [Payment link](https://docs.fintoc.com/api/payments-api/payment-links/index.md) - [The Payment Link object](https://docs.fintoc.com/api/payments-api/payment-links/payment-link-object.md) - [Create a payment link](https://docs.fintoc.com/api/payments-api/payment-links/payment-links-create.md): Creates a payment link in the `live` or `test` mode of the API key used. The response includes the `url` of the page where your customer pays. The payment link accepts payments until you cancel it or, when `expires_after_seconds` is sent, until it expires. - [List payment links](https://docs.fintoc.com/api/payments-api/payment-links/payment-links-list.md): Lists the payment links of your organization for the `live` or `test` mode of the API key used. The list is paginated: the `Link` and `X-Total-Count` response headers describe the pagination state. - [Get a payment link](https://docs.fintoc.com/api/payments-api/payment-links/payment-links-get.md): Retrieves a payment link by its `id`. Only payment links matching the `live` or `test` mode of the API key are visible. - [Cancel a payment link](https://docs.fintoc.com/api/payments-api/payment-links/payment-links-cancel.md): Cancels an active payment link. A canceled payment link stops accepting payments and cannot be reactivated. Only payment links matching the `live` or `test` mode of the API key can be canceled. #### Payment methods - [Payment method object](https://docs.fintoc.com/api/payments-api/payment-methods/payment-method-object.md): Reference for the Payment Method object, a stored customer payment instrument used to collect on-demand payments or power recurring subscription charges. - [Create a payment method](https://docs.fintoc.com/api/payments-api/payment-methods/payment-methods-create.md): Enrolls a Mexican direct debit mandate and returns the payment method that represents the mandate. Send the request as `multipart/form-data`, with the mandate fields and the four documents under `mx_direct_debit[consent_documents]` in the same request. Fintoc registers the mandate with the account's… - [List payment methods](https://docs.fintoc.com/api/payments-api/payment-methods/payment-methods-list.md): Lists the payment methods of your organization for the mode (`live` or `test`) of the API key used, sorted by most recently created first. Use `customer` to narrow the list to a single customer, and the cursor parameters (`starting_after`, `ending_before`) together with `limit` to paginate. The `Lin… - [Get a payment method](https://docs.fintoc.com/api/payments-api/payment-methods/payment-methods-get.md): Retrieves a payment method by its `id`. Only payment methods of your organization matching the `live` or `test` mode of the API key are visible; anything else returns a `404 Not Found` error. The payment method exposes its details under a key named after its `type` (`bank_transfer`, `card`, `mx_dire… #### Payouts - [Payout object](https://docs.fintoc.com/api/payments-api/payouts/payout-object.md) - [Get a payout](https://docs.fintoc.com/api/payments-api/payouts/payouts-get.md): Retrieves a payout by its `id`. Only payouts matching the `live` or `test` mode of the API key are visible. - [List payout resources](https://docs.fintoc.com/api/payments-api/payouts/payouts-resources-list.md): Lists the resources that a payout disburses or discounts: payment intents, charges, or refunds. The response item schema depends on `resource_type`: `payment_intent` returns payment intents, `charge` returns charges, and `refund` and `refund_adjustment` return refunds. #### Refunds - [The Refund object](https://docs.fintoc.com/api/payments-api/refunds/refund-object.md) - [List refunds](https://docs.fintoc.com/api/payments-api/refunds/refunds-list.md): Lists the refunds of your organization for the `live` or `test` mode of the API key used. Use `since`, `until`, and `status` to filter the results. - [Get a refund](https://docs.fintoc.com/api/payments-api/refunds/refunds-get.md): Retrieves a refund by its `id`. Only refunds matching the `live` or `test` mode of the API key are visible. - [Cancel a refund](https://docs.fintoc.com/api/payments-api/refunds/refunds-cancel.md): Cancels a refund by its `id`. Only refunds in `pending` status can be canceled; once Fintoc starts disbursing the funds, the refund cannot be canceled. - [Get a refund voucher URL](https://docs.fintoc.com/api/payments-api/refunds/refunds-voucher.md): Returns a presigned URL to download the PDF voucher of a refund. The URL expires 5 minutes after it is generated. Vouchers are available for succeeded refunds in `live` mode, disbursed by bank transfer or card. #### Setup intents - [The Setup Intent object](https://docs.fintoc.com/api/payments-api/setup-intents/setup-intent-object.md) - [Setup intent error reason](https://docs.fintoc.com/api/payments-api/setup-intents/setup-intent-error-reason.md) - [Get a setup intent](https://docs.fintoc.com/api/payments-api/setup-intents/setup-intents-get.md): Retrieves the setup intent with the given `id`. The setup intent must belong to your organization and match the `live` or `test` mode of the API key used. #### Subscription items - [The Subscription Item object](https://docs.fintoc.com/api/payments-api/subscription-items/subscription-item-object.md) - [Create a subscription item](https://docs.fintoc.com/api/payments-api/subscription-items/subscription-items-create.md): Adds an item to an existing subscription. Fintoc creates a new price from `price_data`, referencing an existing product (`product`) or defining one inline (`product_data`). The new price must use a currency compatible with the subscription's existing items (a `CLF` price bills within a `CLP` subscri… - [Update a subscription item](https://docs.fintoc.com/api/payments-api/subscription-items/subscription-items-update.md): Updates an item of a subscription. Pass `quantity` to change the number of units, and `price_data` to replace the item's price with a newly created one. When the subscription has other items, the new price must use a currency compatible with theirs (a `CLF` price bills within a `CLP` subscription) a… - [Delete a subscription item](https://docs.fintoc.com/api/payments-api/subscription-items/subscription-items-delete.md): Removes an item from a subscription and returns the deleted item. Fintoc stops billing the item from the subscription's next invoice, with no proration for the current billing period. A subscription must keep at least one item, so its last item cannot be deleted. #### Subscriptions - [The Subscription object](https://docs.fintoc.com/api/payments-api/subscriptions/subscription-object.md): Reference for the Subscription object, which bills customers on a recurring schedule, groups billable items, and tracks billing cycles and invoices. - [List subscriptions](https://docs.fintoc.com/api/payments-api/subscriptions/subscriptions-list.md): Lists the subscriptions of your organization for the `live` or `test` mode of the API key used, with their subscription items included. The list is paginated with cursors: use the `Link` response header or the `starting_after` and `ending_before` query parameters to navigate between pages. - [Get a subscription](https://docs.fintoc.com/api/payments-api/subscriptions/subscriptions-get.md): Retrieves a subscription by its `id`, with its subscription items included. Only subscriptions of your organization matching the `live` or `test` mode of the API key used are visible. - [Create a subscription](https://docs.fintoc.com/api/payments-api/subscriptions/subscriptions-create.md): Creates a subscription that bills a customer on a recurring cadence, in the `live` or `test` mode of the API key used. Each item defines its price through `price_data`, referencing an existing product (`product`) or defining one inline (`product_data`). All items must share a compatible currency (`C… - [Update a subscription](https://docs.fintoc.com/api/payments-api/subscriptions/subscriptions-update.md): Updates a subscription. Provide at least one of `trial_end`, `payment_method`, or `collection_method`. - [Detach the payment method from a subscription](https://docs.fintoc.com/api/payments-api/subscriptions/subscriptions-detach-payment-method.md): Detaches the payment method from a subscription. The payment method stays available on the customer, so you can attach it again later. Only subscriptions with `collection_method` set to `send_invoice` can detach their payment method, because a subscription that collects automatically needs a payment… - [Cancel a subscription](https://docs.fintoc.com/api/payments-api/subscriptions/subscriptions-cancel.md): Cancels a subscription immediately. Canceled subscriptions stop generating invoices, and the cancellation does not affect invoices already issued. Canceling a subscription that is already canceled returns a `subscription_not_editable` error. ### Business Accounts API #### Account numbers - [Account number object](https://docs.fintoc.com/api/business-accounts-api/account-numbers/account-number-object.md): Fields on the `AccountNumber` object that routes inbound transfers to an `Account`, including `status`, `options`, `metadata`, and `is_root`. - [Create an account number](https://docs.fintoc.com/api/business-accounts-api/account-numbers/account-numbers-create.md): Creates a new account number for one of your accounts, in the `live` or `test` mode of the API key used. In Mexico, Fintoc generates 18-digit standardized Mexican bank account numbers (CLABEs) for you. In Chile, Fintoc generates the account number for you. - [List account numbers](https://docs.fintoc.com/api/business-accounts-api/account-numbers/account-numbers-list.md): Lists the account numbers of your organization in the `live` or `test` mode of the API key used. Filter by `account_id` and `no_transfers_since`. The list is paginated. Use the `starting_after`, `ending_before`, and `limit` query parameters to move through the list. The `Link` response header carrie… - [Get an account number](https://docs.fintoc.com/api/business-accounts-api/account-numbers/account-numbers-retrieve.md): Retrieves the details of an account number of your organization, by its ID. - [Update an account number](https://docs.fintoc.com/api/business-accounts-api/account-numbers/account-numbers-update.md): Updates the editable fields of an account number of your organization: `description`, `status`, `metadata`, and inbound `options`. - [Delete an account number](https://docs.fintoc.com/api/business-accounts-api/account-numbers/account-numbers-delete.md): Deletes an account number of your organization. Available only for Mexico account numbers, which are standardized Mexican bank account numbers (CLABEs). You cannot delete the root account number. Returns the deleted account number. Deleting an account number that is already deleted is idempotent: th… #### Account statements - [Account statement object](https://docs.fintoc.com/api/business-accounts-api/account-statements/account-statement-object.md): Fields on the `AccountStatement` object, including monthly balances, totals, `download_url`, `start_date`, and `end_date` for an `Account`. - [List account statements](https://docs.fintoc.com/api/business-accounts-api/account-statements/account-statements-list.md): Lists the account statements of one of your accounts for the `live` or `test` mode of the API key you use. Filter by date range with the `since` and `until` query parameters. The response is paginated. Use `starting_after`, `ending_before`, and `limit` to page through the results. When more results… #### Account verification - [The Account Verification object](https://docs.fintoc.com/api/business-accounts-api/account-verification/account-verification-object.md): Fields on the account verification object that confirms counterparty ownership through a micro-deposit, including `status`, counterparty details, and `receipt_url`. - [Create an account verification](https://docs.fintoc.com/api/business-accounts-api/account-verification/account-verifications-create.md): Verifies the ownership and details of a counterparty account by issuing a verification transfer from one of your accounts. The verification uses the `live` or `test` mode of the API key. Requires a JSON Web Signature (JWS). - [List account verifications](https://docs.fintoc.com/api/business-accounts-api/account-verification/account-verifications-list.md): Lists the account verifications of your organization for the mode (`live` or `test`) of the API key used. Filter by `account_number`, `transfer_id`, or by date range with `since` and `until`. The list is paginated. Use the `starting_after`, `ending_before`, and `limit` query parameters to move throu… - [Get an account verification](https://docs.fintoc.com/api/business-accounts-api/account-verification/account-verifications-get.md): Retrieves the details of an account verification by its ID. #### Entities - [The Entity object](https://docs.fintoc.com/api/business-accounts-api/entities/entity-object.md): Fields on the `Entity` object, the legal holder of `Account` objects in the Business Accounts API, including `country_code`, `holder_id`, `holder_name`, and lifecycle status. - [Create an entity](https://docs.fintoc.com/api/business-accounts-api/entities/entities-create.md): Creates an entity in your organization for the mode (`live` or `test`) of the API key used. An entity is a legal holder of accounts. Requirements differ by country: in Chile the `holder_id` is the Chilean tax ID (RUT), and in Mexico it is the Mexican tax ID (RFC). Returns the created entity. - [List entities](https://docs.fintoc.com/api/business-accounts-api/entities/entities-list.md): Lists the entities of your organization for the mode (`live` or `test`) of the API key used. An entity is a legal holder of accounts and defines ownership and identity in Transfers. The list is paginated. Use the `starting_after`, `ending_before`, and `limit` query parameters to move through the lis… - [Get an entity](https://docs.fintoc.com/api/business-accounts-api/entities/entities-get.md): Returns details for the entity with the specified `id` in your organization. #### Onboardings - [Onboarding object](https://docs.fintoc.com/api/business-accounts-api/onboardings/onboarding-object.md): Fields on the `Onboarding` object for the Know Your Customer review of an `Entity`, including step data, documents, representatives, shareholders, and `status`. - [Create an onboarding](https://docs.fintoc.com/api/business-accounts-api/onboardings/entities-onboardings-create.md): Starts an onboarding process for the entity using the company information, legal representatives, transactional profile, and shareholders provided in the request. Further requests upload documents and submit the onboarding, whose country is taken from the entity. - [List onboardings](https://docs.fintoc.com/api/business-accounts-api/onboardings/entities-onboardings-list.md): Lists the onboardings of the entity. Only onboardings belonging to the organization of the API key used are visible. - [Get an onboarding](https://docs.fintoc.com/api/business-accounts-api/onboardings/entities-onboardings-get.md): Retrieves the onboarding with the given `id` for the entity. Only onboardings belonging to the organization of the API key used are visible. Requesting an onboarding that does not exist or belongs to another organization or entity returns a `404 Not Found` error. - [Submit an onboarding](https://docs.fintoc.com/api/business-accounts-api/onboardings/entities-onboardings-submit.md): Use this endpoint to submit an onboarding for review once every requirement is met. The onboarding must have the `in_progress` status, completed required fields, and uploaded required documents. On success, the onboarding moves to the `submitted` status and can no longer be modified. - [Upload an onboarding document](https://docs.fintoc.com/api/business-accounts-api/onboardings/entities-onboardings-upload-step-document.md): Use this endpoint to upload a document to an onboarding document slot, identified by `slot_key`. Send the file as `multipart/form-data`. The file must be a PDF, JPEG, or PNG and cannot exceed 30 MB. Uploading a document to a slot that already has one replaces the existing document. You can upload do… - [Upload a legal representative document](https://docs.fintoc.com/api/business-accounts-api/onboardings/entities-onboardings-upload-legal-representative-document.md): Uploads one document to an onboarding legal representative's document slot and returns the updated onboarding. Send the file as `multipart/form-data`. Each slot holds a single file: uploading to a slot that already has a file replaces the previous file. You can upload documents only while the onboar… - [Upload a shareholder document](https://docs.fintoc.com/api/business-accounts-api/onboardings/entities-onboardings-upload-shareholder-document.md): Use this endpoint to upload the identity document for one onboarding shareholder. Send the file as `multipart/form-data`. The file must be a PDF, JPEG, or PNG and cannot exceed 30 MB. The expected document type depends on the shareholder type: an identification for a natural person, or the articles… #### Simulation - [Simulate receiving a transfer](https://docs.fintoc.com/api/business-accounts-api/simulation/transfers-simulate-receive.md): Test-mode helper that simulates an inbound transfer into one of your account numbers, so you can exercise incoming-transfer flows. Only available with a `test` API key. #### Transfers - [Transfer object](https://docs.fintoc.com/api/business-accounts-api/transfers/transfer-object.md): Fields on the `Transfer` object that records inbound and outbound bank transfers, including `counterparty`, `direction`, `status`, `amount`, and return details. - [Create a transfer](https://docs.fintoc.com/api/business-accounts-api/transfers/transfers-create.md): Creates an outbound transfer from one of your accounts, in the `live` or `test` mode of the API key used. Requirements differ by country. In Chile, the currency is `CLP` and the counterparty needs a `holder_id`, which is the Chilean tax ID (RUT), and an `institution_id`. In Mexico, the currency is `… - [List transfers](https://docs.fintoc.com/api/business-accounts-api/transfers/transfers-list.md): Lists the transfers of your organization in the `live` or `test` mode of the API key used. Filter by `account_id`, `account_number_id`, `direction`, `status`, `tracking_key`, and `transfer_batch_id`, or by date range with `since` and `until`. The list is paginated. Use the `starting_after`, `ending_… - [Get a transfer](https://docs.fintoc.com/api/business-accounts-api/transfers/transfers-retrieve.md): Retrieves the details of a transfer of your organization, by its ID. - [Return a transfer](https://docs.fintoc.com/api/business-accounts-api/transfers/transfers-return.md): Returns an inbound transfer to its original sender. You can only return `MXN` transfers. Requires a JSON Web Signature (JWS) in the `Fintoc-JWS-Signature` header. - [SPEI codes](https://docs.fintoc.com/api/business-accounts-api/transfers/spei-codes.md): Return causes and codes for Mexico's Sistema de Pagos Electrónicos Interbancarios (SPEI) transfers, mapping `return_reason` and `return_reason_code` to responses. #### Accounts - [Account object](https://docs.fintoc.com/api/business-accounts-api/accounts/account-object.md): Fields on the `Account` object, including `available_balance`, `entity`, `currency`, `status`, and root account details for outbound transfers. - [Create an account](https://docs.fintoc.com/api/business-accounts-api/accounts/accounts-create.md): Creates an account for an entity of your organization, in the `live` or `test` mode of the API key used. Every account gets a root account number. In Mexico, the account gets a standardized Mexican bank account number (CLABE) that Fintoc generates for you. In Chile, the account gets a number that Fi… - [List accounts](https://docs.fintoc.com/api/business-accounts-api/accounts/accounts-list.md): Lists the accounts of your organization for the `live` or `test` mode of the API key used. Filter by `entity_id` and `status`. The list is paginated. Use the `starting_after`, `ending_before`, and `limit` query parameters to move through the list. The `Link` response header carries the URLs to navig… - [Get an account](https://docs.fintoc.com/api/business-accounts-api/accounts/accounts-retrieve.md): Returns the details of an account of your organization, identified by its ID. - [Update an account](https://docs.fintoc.com/api/business-accounts-api/accounts/accounts-update.md): Updates the editable fields of an account of your organization. Currently, only the `description` is editable. #### Movements - [The Movement object](https://docs.fintoc.com/api/business-accounts-api/movements/movement-object.md): Fields on the `Movement` object that records each change to an `Account` balance, including `amount`, `direction`, `balance`, `resource_id`, and `type`. - [List movements](https://docs.fintoc.com/api/business-accounts-api/movements/movements-list.md): Lists the movements of one of your accounts for the mode (`live` or `test`) of the API key used. Filter by `direction` and `resource_id`, or by date range with `since` and `until`. The list is paginated. Use the `starting_after`, `ending_before`, and `limit` query parameters to move through the list… - [Get a movement](https://docs.fintoc.com/api/business-accounts-api/movements/movements-get.md): Retrieves the details of a movement that belongs to one of your accounts, by its ID. ### Movements API #### Accounts - [Account object](https://docs.fintoc.com/api/movements-api/accounts/accounts-object.md) #### Linkintents - [Link intent object](https://docs.fintoc.com/api/movements-api/linkintents/link-intent-object.md): This represents your user connection attempt. #### Links - [Link object](https://docs.fintoc.com/api/movements-api/links/link-object.md) - [List links](https://docs.fintoc.com/api/movements-api/links/links-list.md): Returns a paginated list of the links of your organization, in the `live` or `test` mode of the API key used. `link_token` and `accounts` are always `null` when listing links. - [Update a link](https://docs.fintoc.com/api/movements-api/links/links-update.md): Updates a link using its `link_token` as identifier. You can update only the `active` field: Fintoc stops refreshing deactivated links. #### Movements - [Movement object](https://docs.fintoc.com/api/movements-api/movements/movements-object.md): Reference for the Movement object in Fintoc's Movements API, representing a single bank account transaction such as a transfer, check, debit, or credit. - [List movements](https://docs.fintoc.com/api/movements-api/movements/movements-list.md): Returns a paginated list of the movements of an account, using the link's `link_token` to authenticate the request. By default the endpoint returns only confirmed movements; use `confirmed_only=false` to include every status. #### Refresh intents - [Create a refresh intent](https://docs.fintoc.com/api/movements-api/refresh-intents/refresh-intents-create.md): Creates a refresh intent for a link, using the link's `link_token` to authenticate the request. Unless the institution requires multi-factor authentication, the refresh starts asynchronously and Fintoc notifies the result through webhooks. Your organization needs the on demand refresh policy, and Fi… ### Direct Debit (Legacy) #### Charges - [Charge object](https://docs.fintoc.com/api/direct-debit-legacy/charges/charge-object.md): Reference for the Charge object in Fintoc's direct debit API, including amount, currency, status, and how it tracks each collection against a subscription. - [Create a charge](https://docs.fintoc.com/api/direct-debit-legacy/charges/charges-create.md): Creates a charge on an active subscription. The charge starts with status `pending`, and Fintoc collects the charge from the subscription's bank account on the next collection cycle. In `test` mode, Fintoc simulates the collection and updates the charge status asynchronously after creation. - [Cancel a charge](https://docs.fintoc.com/api/direct-debit-legacy/charges/charges-cancel.md): Cancels a charge. Only charges with status `pending` can be canceled. Once the collection starts, the charge can no longer be canceled. - [Update a charge](https://docs.fintoc.com/api/direct-debit-legacy/charges/charges-update.md): Updates a charge. Only the `amount` and the `currency` can be updated, and only while the charge status is `pending`. Once the collection starts, the charge can no longer be updated. #### Direct debit subscriptions - [Subscription object](https://docs.fintoc.com/api/direct-debit-legacy/direct-debit-subscriptions/direct-debit-subscription-object.md) #### Subscriptions intents - [Subscription intent object](https://docs.fintoc.com/api/direct-debit-legacy/subscriptions-intents/subscription-intent-object.md): Reference for the Subscription Intent object in Fintoc's direct debit API, covering the enrollment attempt, its status, and the resulting Subscription. - [Subscription intent public error](https://docs.fintoc.com/api/direct-debit-legacy/subscriptions-intents/subscription-intent-error-reason.md) - [Create a subscription intent](https://docs.fintoc.com/api/direct-debit-legacy/subscriptions-intents/subscription-intents-create.md): Creates a subscription intent in the `live` or `test` mode of the API key used. The response includes the `widget_token` used to open the widget so the payer can authorize the subscription. - [List subscription intents](https://docs.fintoc.com/api/direct-debit-legacy/subscriptions-intents/subscription-intents-list.md): Lists the subscription intents of your organization for the `live` or `test` mode of the API key used. Results are paginated. `widget_token` is always `null` outside creation. ### Fiscal API #### Fiscal invoices - [Invoice object](https://docs.fintoc.com/api/fiscal-api/fiscal-invoices/fiscal-invoices-object.md) - [List invoices](https://docs.fintoc.com/api/fiscal-api/fiscal-invoices/fiscal-invoices-list.md): Returns a paginated list of the invoices of the fiscal link associated with the `link_token`, sorted by descending document date. For links created with the `invoices` product, Fintoc returns every document the fiscal authority reports. For links created with the `income` product, Fintoc returns onl… #### Tax returns - [Tax return object](https://docs.fintoc.com/api/fiscal-api/tax-returns/tax-returns-object.md) - [Get a tax return](https://docs.fintoc.com/api/fiscal-api/tax-returns/tax-returns-get.md): Retrieves a tax return by its `id`, using the link's `link_token` to authenticate the request. You can only retrieve tax returns that belong to the link's fiscal account. - [List tax returns](https://docs.fintoc.com/api/fiscal-api/tax-returns/tax-returns-list.md): Returns a paginated list of the annual tax returns (F22 form) of the fiscal account associated with a link. Use the link's `link_token` to authenticate the request. Available for Chilean links connected to the Chilean tax authority (SII). #### Tax statements - [Tax statement object](https://docs.fintoc.com/api/fiscal-api/tax-statements/tax-statements-object.md) - [Get a tax statement](https://docs.fintoc.com/api/fiscal-api/tax-statements/tax-statements-get.md): Retrieves a tax statement by its `id`, using the link's `link_token` to authenticate the request. You can only retrieve tax statements that belong to the link's fiscal account. - [List tax statements](https://docs.fintoc.com/api/fiscal-api/tax-statements/tax-statements-list.md): Returns a paginated list of the monthly tax statements (F29 form) of the fiscal account associated with a link, ordered by year and period with the most recent first. Use the link's `link_token` to authenticate the request. Available for Chilean links connected to the Chilean tax authority (SII). ## OpenAPI Specs - [main-api](/reference/main-api.json) - [core-api](/reference/core-api.json)