# Fintoc: v2026-02-01 English Guides ## Guides ### Home - [Welcome 馃憢](https://docs.fintoc.com/guides/home/welcome.md): Start integrating Fintoc: browse guides for Smart Checkout, recurring payments, transfers, and bank account connections across Chile and Mexico. - [API reference 馃摉](https://docs.fintoc.com/guides/home/api-reference.md) - [Currencies](https://docs.fintoc.com/guides/home/currencies.md) - [Changes to the API](https://docs.fintoc.com/guides/home/changes.md): Track changes and upgrades to the Fintoc API - [API keys](https://docs.fintoc.com/guides/home/api-keys.md) - [API rate limits](https://docs.fintoc.com/guides/home/api-rate-limits.md): How Fintoc applies rate limits to API and Widget requests, and how to handle `429 Too Many Requests` responses. #### Dashboard - [Get your secret and public API keys](https://docs.fintoc.com/guides/home/dashboard/guides-api-keys.md) - [Permission roles](https://docs.fintoc.com/guides/home/dashboard/permission-roles.md): Fintoc's dashboard contains sensitive information and lets your organization move money. Its permission system lets administrators control which information each user can view and which actions they can take. ### Resources - [Test mode](https://docs.fintoc.com/guides/resources/test-mode.md): Use Fintoc test mode to simulate payments, webhooks, and bank connections with test API keys before switching your integration to live mode. #### Building with AI - [Building with AI](https://docs.fintoc.com/guides/resources/building-with-ai/index.md): Speed up your Fintoc integration with AI: connect coding agents through the MCP server, install Agent Skills, and use LLM-friendly docs and patterns. - [Model Context Protocol (MCP)](https://docs.fintoc.com/guides/resources/building-with-ai/model-context-protocol-mcp.md): Connect Claude, ChatGPT, Cursor, VS Code, or Claude Code to Fintoc's MCP server so your AI agents can call the Fintoc API and search the docs. - [Agent Skills](https://docs.fintoc.com/guides/resources/building-with-ai/agent-skills.md): Install Fintoc Agent Skills so your coding agent (Claude, Cursor, and others) has API context, patterns, and best practices for building Fintoc integrations. #### SDKs and Integrations - [SDKs and integrations](https://docs.fintoc.com/guides/resources/libraries-and-integrations/index.md): Official Fintoc SDKs for Python, Node, Ruby, vanilla JavaScript, and React Native, plus community libraries that wrap the Fintoc API. - [Connect your bank account to Zapier](https://docs.fintoc.com/guides/resources/libraries-and-integrations/libraries-and-integrations-zapier.md): Connect your bank account to more than 2,000 apps through Zapier. #### Widget - [Widget](https://docs.fintoc.com/guides/resources/widget/index.md): The Fintoc Widget lets your users securely link bank accounts in your app or website, with drop-in flows for web, mobile webviews, and native platforms. - [Integrate the Widget on the web](https://docs.fintoc.com/guides/resources/widget/web-integration.md): Integrate the Fintoc Widget into your web app or website so customers can link their bank account or complete a payment without leaving your site. - [Integrate the Widget as a WebView](https://docs.fintoc.com/guides/resources/widget/webview.md): Integrate the Fintoc Widget as a WebView in your mobile application. - [Listen to Widget events](https://docs.fintoc.com/guides/resources/widget/widget-events.md) #### Webhooks - [Webhooks overview](https://docs.fintoc.com/guides/resources/webhooks-walkthrough/index.md): How Fintoc webhooks work: create an endpoint, test it, register it, and receive Event objects that keep your application in sync with Fintoc. - [Create your webhook endpoint](https://docs.fintoc.com/guides/resources/webhooks-walkthrough/webhooks-creating-guide.md) - [Test your webhook endpoint](https://docs.fintoc.com/guides/resources/webhooks-walkthrough/webhooks-testing.md) - [Validate webhook signatures](https://docs.fintoc.com/guides/resources/webhooks-walkthrough/webhooks-validating.md): Validate the Fintoc-Signature header on every webhook event using HMAC SHA-256 to confirm it came from Fintoc, with code samples for Node and Python. - [Activate your webhook endpoint](https://docs.fintoc.com/guides/resources/webhooks-walkthrough/webhooks-activating.md) - [Webhook best practices](https://docs.fintoc.com/guides/resources/webhooks-walkthrough/webhooks-good-practices.md): Filter events, handle duplicate deliveries idempotently, recover missed events from the Events API, and verify webhook signatures and Fintoc source IPs. - [Recover missed events](https://docs.fintoc.com/guides/resources/webhooks-walkthrough/webhooks-recovering-events.md): List the events Fintoc generated during the window your webhook endpoint missed, filter by type, resource, or time, and reprocess them through your handler. #### Fintoc CLI - [Fintoc CLI](https://docs.fintoc.com/guides/resources/cli/index.md): Use the command line to manage your Fintoc resources during development. - [Install the Fintoc CLI](https://docs.fintoc.com/guides/resources/cli/install-the-fintoc-cli.md): Install the Fintoc CLI on macOS, Linux, or Windows to test webhooks, trigger events, and interact with the Fintoc API from your terminal. - [Fintoc CLI keys](https://docs.fintoc.com/guides/resources/cli/fintoc-cli-keys-and-permissions.md): Learn how the Fintoc CLI resolves API keys, where they're stored, and how to switch between them. - [Use the Fintoc CLI](https://docs.fintoc.com/guides/resources/cli/use-the-fintoc-cli.md): Use the Fintoc CLI to make API requests, trigger test events, forward webhooks, and manage resources like charges, checkout sessions, and links from your shell. ### Payments - [Direct Transfer](https://docs.fintoc.com/guides/payments/direct-transfer.md): Accept payments sent by a direct transfer from your user. - [Payment links](https://docs.fintoc.com/guides/payments/payment-links.md): Accept payments without writing code by creating shareable Fintoc Payment Links from the dashboard, ideal for one-off charges and no-code checkout flows. - [Test your integration](https://docs.fintoc.com/guides/payments/payment-initiation-test-your-integration.md): Simulate payments to test your integration. - [Go-live checklist](https://docs.fintoc.com/guides/payments/go-live-checklist.md): Checklist to move your Fintoc integration from test to live: production API keys, webhook endpoints, redirect URLs, and pre-launch verifications. - [Fintoc fees](https://docs.fintoc.com/guides/payments/fintoc-fees.md): Learn how Fintoc calculates fees for our Payment Initiation product. - [Accept cash payments in Mexico](https://docs.fintoc.com/guides/payments/cash-payment-direct-api.md): Create a cash Payment Intent with the Fintoc API to accept cash payments in Mexico at convenience stores, and reconcile them via webhook. - [Buy now, pay later (Chile only)](https://docs.fintoc.com/guides/payments/buy-now-pay-later.md): Offer Buy Now Pay Later (BNPL) on Fintoc-hosted checkout in Chile so customers can split a payment across installments funded by a third-party lender. #### Overview - [Payment initiation overview](https://docs.fintoc.com/guides/payments/overview-payment-initiation/index.md): Use Fintoc's Checkout Session API to accept bank transfers and card payments in your store, payment platform, wallet, or peer-to-peer application. - [Quickstart](https://docs.fintoc.com/guides/payments/overview-payment-initiation/quickstart-payments.md): Get started with Fintoc's Payment Initiation API and create your first Checkout Session in under ten minutes using test API keys and the Widget. - [Countries and institutions](https://docs.fintoc.com/guides/payments/overview-payment-initiation/payment-initiation-countries-and-institutions.md): Sender banks available for payment initiation in Chile and Mexico, plus Chilean banks that support Pago Autom谩tico de Cuentas (PAC) for recurring payments. - [Transaction limits](https://docs.fintoc.com/guides/payments/overview-payment-initiation/transaction-limits.md): Daily transaction limits by bank for payments in Chile, based on multi-factor authentication method, account type, and whether the recipient is new or existing. - [Payment scenarios](https://docs.fintoc.com/guides/payments/overview-payment-initiation/payments-use-cases.md): Compare Fintoc collects and direct payments to choose a payment integration #### Accept a payment - [Accept a payment](https://docs.fintoc.com/guides/payments/accept-a-payment/index.md): Accept one-time payments in CLP or MXN through a Fintoc-hosted Checkout Session, from creating the session on your backend to redirecting the customer. - [Save a customer's payment method for future payments](https://docs.fintoc.com/guides/payments/accept-a-payment/save-a-paymentmethod-of-a-customer-for-future-payments.md): Use Fintoc's Checkout Session API to save a customer's card or bank account during a payment or in a standalone setup flow, then reuse it for future payments. - [Accept a one-click payment with Apple Pay](https://docs.fintoc.com/guides/payments/accept-a-payment/accept-a-one-click-payment-with-apple-pay.md): Use Fintoc Express Checkout to accept one-click Apple Pay payments on the web, with server-side confirmation and support for saved payment methods. - [Accept split payments](https://docs.fintoc.com/guides/payments/accept-a-payment/accept-split-payments.md): Distribute one Fintoc `CheckoutSession` payment across recipient `Entity` objects, transferring each share to its own bank account without manual reconciliation. #### Accept recurring payments - [Create subscriptions for your customer](https://docs.fintoc.com/guides/payments/accept-recurring-payments/index.md): Create a recurring subscription for your customer with a Fintoc Checkout Session or directly with the Subscriptions API, and collect one invoice per billing cycle. - [Update the payment method on a subscription](https://docs.fintoc.com/guides/payments/accept-recurring-payments/update-the-payment-method-on-a-subscription.md): Change the payment method a Fintoc subscription charges, with a re-enrollment link for your customer or directly through the API. - [Manage invoices](https://docs.fintoc.com/guides/payments/accept-recurring-payments/manage-invoices.md): Handle the invoices a Fintoc subscription issues on every billing cycle, recover a failed charge, and create your own invoices for amounts outside the cycle. - [Save a payment method for future charges](https://docs.fintoc.com/guides/payments/accept-recurring-payments/setup-a-payment-method-for-future-charges.md): Save a customer's payment method with a setup Checkout Session, then charge it later on demand by creating an invoice or a Payment Intent, without another checkout. #### Fintoc collects - [Fintoc collects](https://docs.fintoc.com/guides/payments/fintoc-collect-payments/index.md): Learn how Fintoc collects payments on your behalf. - [Receiving payouts](https://docs.fintoc.com/guides/payments/fintoc-collect-payments/payment-initiation-receiving-payouts.md): Add your bank account, pick a payout schedule, see how Fintoc groups payments into daily payouts, and turn the settlement email on or off from the Dashboard. - [Refund payments](https://docs.fintoc.com/guides/payments/fintoc-collect-payments/payment-initiation-refunds.md): Refund a Fintoc Collect payment through the Payment Intent API, including partial and full refunds and how to track refund status with webhooks. - [Handling payment exceptions](https://docs.fintoc.com/guides/payments/fintoc-collect-payments/dealing-with-payment-exceptions.md) - [Reporting and reconciliation](https://docs.fintoc.com/guides/payments/fintoc-collect-payments/payment-initiation-reporting-and-reconciliation.md): Use Fintoc's payout reconciliation and daily transaction reports to break down each payout, download daily transaction history, and close your accounting. - [Checking payment eligibility](https://docs.fintoc.com/guides/payments/fintoc-collect-payments/check-payment-eligibility.md): Check whether a Fintoc Collect payment is likely to succeed by calling the check_eligibility endpoint or passing a sender_account when creating the session. #### Direct payments - [Direct payments](https://docs.fintoc.com/guides/payments/direct-payments/index.md): Learn about how to handle typical use cases when using Fintoc for direct payments. - [Setup direct payments](https://docs.fintoc.com/guides/payments/direct-payments/setup-direct-payment.md): Configure the recipient account for a Direct Payment on the Fintoc API so funds settle into the correct bank account when your customer completes the transfer. - [Handling payment exceptions](https://docs.fintoc.com/guides/payments/direct-payments/dealing-with-payment-exceptions-2.md) - [Reporting and reconciliation](https://docs.fintoc.com/guides/payments/direct-payments/reporting-and-reconciliation.md): Get the data you need to complete your accounting and reconciliation workflows. - [Checking payment eligibility](https://docs.fintoc.com/guides/payments/direct-payments/check-payment-eligibility-direct-payments.md): Pre-validate a Direct Payment against transfer limits by calling the payment_intents/check_eligibility endpoint or attaching a sender_account object. #### Checkout UX Guidelines - [Checkout UX guidelines](https://docs.fintoc.com/guides/payments/checkout-ux-guidelines/index.md): Best practices for embedding Fintoc's checkout buttons and images by URL, keeping approved terminology, sizing, and colors consistent across your site. - [Checkout UX guidelines for Chile](https://docs.fintoc.com/guides/payments/checkout-ux-guidelines/chile.md): Buttons, images, and terminology to present Fintoc bank transfer and card payments at your Chilean checkout, with ready-to-use asset URLs. - [Checkout UX guidelines for Mexico](https://docs.fintoc.com/guides/payments/checkout-ux-guidelines/mexico.md): Buttons, SPEI imagery, and terminology to present Fintoc bank transfer payments at your Mexican checkout, with ready-to-use asset URLs. #### E-commerce Plugins - [E-commerce plugins](https://docs.fintoc.com/guides/payments/e-commerce-connectors/index.md) - [VTEX](https://docs.fintoc.com/guides/payments/e-commerce-connectors/vtex.md): Accept payments using Fintoc鈥檚 plugin in your VTEX store. - [Shopify](https://docs.fintoc.com/guides/payments/e-commerce-connectors/shopify.md): Accept payments using Fintoc鈥檚 app in your Shopify store. - [Magento](https://docs.fintoc.com/guides/payments/e-commerce-connectors/magento.md): Accept payments using Fintoc鈥檚 app in your Magento store. - [Accept payments with WooCommerce](https://docs.fintoc.com/guides/payments/e-commerce-connectors/woocommerce.md): Set up the Fintoc plugin in your WooCommerce store to accept bank transfer and card payments in Chilean pesos (CLP) and Mexican pesos (MXN). ### Business Accounts - [Send your first transfer](https://docs.fintoc.com/guides/business-accounts/quickstart.md): Send your first Fintoc test transfer end to end, from generating API keys to subscribing to webhook events, using the Business Accounts API sandbox environment. #### Overview - [Business Accounts overview](https://docs.fintoc.com/guides/business-accounts/overview/index.md): Use Fintoc's Business Accounts API to receive, send, and reconcile bank transfers in Chile and Mexico with `Entity`, `Account`, and `Transfer` objects. - [Entity](https://docs.fintoc.com/guides/business-accounts/overview/entity-data-model.md): The `Entity` data model in the Business Accounts API: the root `Entity`, `Entity` objects for your clients, cost centers, and the Know Your Customer review. - [Account](https://docs.fintoc.com/guides/business-accounts/overview/account-data-model.md): The `Account` data model in the Business Accounts API: the root `Account`, additional `Account` objects, statements, balance, cost centers, and constraints per `Entity`. - [Account Number](https://docs.fintoc.com/guides/business-accounts/overview/account-number-data-model.md): The `AccountNumber` data model in the Business Accounts API: how `AccountNumber` objects route inbound transfers to an `Account`, the root account number, and rules. - [Transfer](https://docs.fintoc.com/guides/business-accounts/overview/transfer-data-model.md): The `Transfer` data model in the Business Accounts API: the `Counterparty`, transfer statuses and webhooks, limits, returns, and authorization requirements. - [Movements](https://docs.fintoc.com/guides/business-accounts/overview/movement.md): How `Movement` objects track changes to your `Account` balance in the Business Accounts API, including movement types, `resource_id`, and balance tracking. #### Pick your use case - [Choose your use case](https://docs.fintoc.com/guides/business-accounts/use-cases/index.md): Choose among five Business Accounts transfer patterns: dedicated Account Numbers for payins, payouts, wallets, payroll and bulk payouts, and account verification. - [Collect payments with dedicated Account Numbers](https://docs.fintoc.com/guides/business-accounts/use-cases/collect-payments-with-dedicated-account-numbers.md): Assign each customer or order its own Fintoc Account Number to identify inbound transfers automatically through metadata, without matching amounts or names. - [Send payouts to users or suppliers](https://docs.fintoc.com/guides/business-accounts/use-cases/send-payouts-to-users-or-suppliers.md): Send payouts from your Fintoc Account to third-party bank accounts. Payouts use the Sistema de Pagos Electr贸nicos Interbancarios in Mexico or the Centro de Compensaci贸n Automatizado in Chile. - [Wallet for end users](https://docs.fintoc.com/guides/business-accounts/use-cases/run-a-wallet-for-end-users.md): Three patterns to build a per-user wallet with Fintoc: virtual Account Numbers, one Account per user under your Entity, or one Entity per user. - [Payroll or bulk payouts](https://docs.fintoc.com/guides/business-accounts/use-cases/run-payroll-or-bulk-payouts.md): Use Batch Transfers in the Dashboard to review, authorize with multifactor authentication, and execute up to 5,000 Mexican payouts per cycle. - [Verify a CLABE before sending a payout](https://docs.fintoc.com/guides/business-accounts/use-cases/verify-a-clabe-before-paying-out.md): Before a Mexican payout, send a 0.01 MXN micro-deposit to confirm the standardized bank account number (CLABE) and retrieve the holder's Mexican tax ID (RFC). #### KYC requirements - [KYC requirements](https://docs.fintoc.com/guides/business-accounts/kyc-requirements/index.md): The documents you upload and the questions you answer in Fintoc's Know Your Customer review to operate Business Accounts in Chile and Mexico. - [KYC requirements in Chile](https://docs.fintoc.com/guides/business-accounts/kyc-requirements/chile.md): The documents and questions Fintoc's Know Your Customer review requires from a company resident in Chile to operate a Cuenta con Provisi贸n de Fondos account. - [KYC requirements in Mexico](https://docs.fintoc.com/guides/business-accounts/kyc-requirements/mexico.md): The documents and questions Fintoc's Know Your Customer review requires from a commercial company incorporated in Mexico to operate Business Accounts. #### Setup - [Setup](https://docs.fintoc.com/guides/business-accounts/setup/index.md): Set up JSON Web Signature signing keys, test your Business Accounts integration in `test` mode, and review the security controls that protect your transfers. - [Generate JWS keys](https://docs.fintoc.com/guides/business-accounts/setup/setting-up-jws-keys.md): Generate a public-private key pair, register the public key, and sign Business Accounts API requests that move money with a JSON Web Signature (JWS). - [Test transfers](https://docs.fintoc.com/guides/business-accounts/setup/test-your-integration.md): Simulate inbound and outbound transfers on Fintoc's test environment to validate your integration end to end before switching to live API keys. - [Security controls](https://docs.fintoc.com/guides/business-accounts/setup/security-controls.md): Six security controls Fintoc applies when you create payouts with the Business Accounts API: API keys, JSON Web Signature (JWS) signing, and audits. #### Onboarding - [Onboard an entity by API](https://docs.fintoc.com/guides/business-accounts/entities/onboard-an-entity-by-api.md): Create an Entity for your client and complete its Know Your Customer review through the Fintoc API without using the dashboard, for platforms and marketplaces. - [Account holder onboarding](https://docs.fintoc.com/guides/business-accounts/entities/account-holder-onboarding.md): The data schema and document slots for the account_holder onboarding type: company information, legal representatives, transactional profile, and shareholders. #### Receive transfers - [Receive transfers](https://docs.fintoc.com/guides/business-accounts/inbound-transfers/index.md): Receive real-time inbound transfers with Fintoc Account Numbers to automatically track and reconcile incoming payments against orders, invoices, or users. - [Return a transfer](https://docs.fintoc.com/guides/business-accounts/inbound-transfers/returning-an-inbound-transfer.md): Automatically return an inbound transfer to the sender when it doesn't match your business rules, using the Fintoc Business Accounts API and webhook events. - [Add logic to Account Numbers](https://docs.fintoc.com/guides/business-accounts/inbound-transfers/add-logic-to-clabes.md): Disable a Fintoc Account Number so it stops accepting inbound transfers, and set minimum and maximum amount limits on Mexican Account Numbers. - [Manage your Account Numbers](https://docs.fintoc.com/guides/business-accounts/inbound-transfers/manage-your-clabes.md): Identify and delete inactive Fintoc Account Numbers in Mexico so your organization keeps room in its quota as your integration grows. #### Send transfers - [Send transfers](https://docs.fintoc.com/guides/business-accounts/outbound-transfers/index.md): Send real-time outbound transfers with Fintoc's Business Accounts API. Transfers use the Sistema de Pagos Electr贸nicos Interbancarios in Mexico or the Centro de Compensaci贸n Automatizado in Chile. - [Verify CLABEs](https://docs.fintoc.com/guides/business-accounts/outbound-transfers/verify-clabes.md): Confirm a standardized Mexican bank account number (CLABE) with a 0.01 MXN micro-deposit before a full payout using the Business Accounts API, then retrieve holder details. - [Batch transfers](https://docs.fintoc.com/guides/business-accounts/outbound-transfers/batch-transfers.md): Create, authorize, and track up to 5,000 Mexican outbound transfers from one file in the Fintoc Dashboard, with automatic validation and multifactor authentication. #### Manage your Accounts - [Manage your accounts](https://docs.fintoc.com/guides/business-accounts/manage-accounts/index.md): Manage the accounts that hold your transfer balances: create accounts to keep balances separate and retrieve the monthly account statements for each one. - [Create more accounts](https://docs.fintoc.com/guides/business-accounts/manage-accounts/creating-more-accounts.md): Create additional Fintoc Accounts under your organization or for a third-party Entity so you can track balances separately across products or clients. - [Get account statements](https://docs.fintoc.com/guides/business-accounts/manage-accounts/account-statements.md): List and download monthly PDF account statements for a Fintoc Account through the API or the dashboard, with filters by time period and account ID. ### Movements - [Integration Flow](https://docs.fintoc.com/guides/movements/integration-with-exchange-token.md): Connect users' bank accounts to Fintoc through the Widget by exchanging a public token for a Link Token, then use it to fetch bank movements from your backend. - [Test your integration](https://docs.fintoc.com/guides/movements/data-aggregation-test-your-integration.md): Use test credentials to try your integration. - [Connection flow UX guidelines](https://docs.fintoc.com/guides/movements/ux-guidelines-1.md): Best practices for the Fintoc connection flow: approved button terminology, Fintoc logo and imagotype URLs, safe space, and color and sizing rules. #### Overview - [Overview](https://docs.fintoc.com/guides/movements/overview-data-aggregation/index.md): Get bank movement history from your users' financial institutions with Fintoc's Data Aggregation API for reconciliation, risk analysis, and cash flow reporting. - [Data aggregation quickstart](https://docs.fintoc.com/guides/movements/overview-data-aggregation/quickstart.md): Get started with Fintoc's Data Aggregation API and pull your first bank account movements in under five minutes using the Widget and a secret key. - [Products and Institutions](https://docs.fintoc.com/guides/movements/overview-data-aggregation/products-and-institutions-movements.md) #### Refreshing on demand - [Refreshing on demand](https://docs.fintoc.com/guides/movements/refresh-intents-walkthrough/index.md) - [Create a refresh intent](https://docs.fintoc.com/guides/movements/refresh-intents-walkthrough/refresh-intents-creating.md): Create a RefreshIntent with the Fintoc API to request an on-demand refresh of a Link and pull the latest bank account data outside the normal schedule. - [Open the widget for Refresh Intents](https://docs.fintoc.com/guides/movements/refresh-intents-walkthrough/refresh-intents-widget.md) - [Wait for the results using a Webhook Endpoint](https://docs.fintoc.com/guides/movements/refresh-intents-walkthrough/refresh-intents-webhook.md) - [Request new movements](https://docs.fintoc.com/guides/movements/refresh-intents-walkthrough/refresh-intents-new-movements.md) - [Errors](https://docs.fintoc.com/guides/movements/refresh-intents-walkthrough/refresh-intents-errors.md) #### Guides - [Create a banking Link from the dashboard](https://docs.fintoc.com/guides/movements/guides/guides-banking-link-from-dashboard.md) - [Get bank movements](https://docs.fintoc.com/guides/movements/guides/guides-bank-movements.md): Fetch bank account movements from the Fintoc API using a Link token and your secret key, with example requests in cURL and the Python and Node SDKs. #### Fiscal Links - [Fiscal Links](https://docs.fintoc.com/guides/movements/fiscal-links/index.md): Access electronic invoices and the buy and sell register of your users through Fintoc's Fiscal API and reconcile tax documents with the List Invoices endpoint. - [Document types](https://docs.fintoc.com/guides/movements/fiscal-links/document-types.md): Document types brought from your financial institutions