> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fintoc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Update a recipient

> Updates recipient details in Chile and Mexico. You can update `account_type` only in Chile. The `account_number`, `institution_id`, and `holder_id` fields cannot change. Omitted fields keep their current values. Send `null` or a blank string to clear `alias` or `email`. Returns the updated recipient.



## OpenAPI

````yaml reference/core-api.json PATCH /v2/recipients/{id}
openapi: 3.1.0
info:
  title: Fintoc API
  version: v2026-02-01
servers:
  - url: https://api.fintoc.com
security: []
paths:
  /v2/recipients/{id}:
    patch:
      tags:
        - Recipients
      summary: Update a recipient
      description: >-
        Updates recipient details in Chile and Mexico. You can update
        `account_type` only in Chile. The `account_number`, `institution_id`,
        and `holder_id` fields cannot change. Omitted fields keep their current
        values. Send `null` or a blank string to clear `alias` or `email`.
        Returns the updated recipient.
      operationId: recipients-update
      parameters:
        - name: id
          in: path
          required: true
          schema:
            type: string
          description: Unique identifier of the recipient.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              properties:
                alias:
                  type:
                    - string
                    - 'null'
                  description: >-
                    Label you assign to the recipient. Send `null` or a blank
                    string to clear it.
                  example: Test recipient
                holder_name:
                  type: string
                  description: Account holder name. Up to `40` characters.
                  example: Test Customer 1
                holder_type:
                  type: string
                  enum:
                    - person
                    - company
                  description: Account holder category. One of `person` or `company`.
                  example: person
                account_type:
                  type: string
                  enum:
                    - checking_account
                    - sight_account
                    - savings_account
                  description: >-
                    Destination account type. Chile only. One of
                    `checking_account`, `sight_account`, or `savings_account`.
                  example: checking_account
                email:
                  type:
                    - string
                    - 'null'
                  description: >-
                    Contact email address in `name@example.com` format. Up to
                    `200` characters. Send `null` or a blank string to clear it.
                  example: recipient@example.com
              required: []
            examples:
              update_recipient:
                summary: Update a recipient label
                value:
                  alias: Updated recipient
              clear_contact:
                summary: Clear the label and email
                value:
                  alias: null
                  email: null
        required: true
      responses:
        '200':
          description: The recipient object.
          content:
            application/json:
              examples:
                mx_recipient:
                  value:
                    id: rcp_2hQ9vBmKpR7xLtZ3sWn1fJ4dGcA
                    account_number: '000000000000000000'
                    account_type: clabe
                    alias: Updated recipient
                    created_at: '2026-03-01T12:00:00Z'
                    email: recipient@example.com
                    holder_id: '111111111'
                    holder_name: Test Customer 1
                    holder_type: person
                    updated_at: '2026-03-01T12:00:00Z'
                    object: recipient
                    institution:
                      id: '40002'
                      name: BANAMEX
                      country: mx
                cl_recipient:
                  value:
                    id: rcp_2hQ9vBmKpR7xLtZ3sWn1fJ4dGcA
                    account_number: '000000001'
                    account_type: checking_account
                    alias: Updated recipient
                    created_at: '2026-03-01T12:00:00Z'
                    email: recipient@example.com
                    holder_id: '111111111'
                    holder_name: Test Customer 1
                    holder_type: person
                    updated_at: '2026-03-01T12:00:00Z'
                    object: recipient
                    institution:
                      id: cl_banco_santander
                      name: Banco Santander
                      country: cl
              schema:
                $ref: '#/components/schemas/recipient'
        '400':
          description: A required parameter is missing or invalid.
          content:
            application/json:
              examples:
                invalid_email:
                  value:
                    error:
                      code: invalid_email
                      message: Email 'invalid' is not a valid email
                      param: email
              schema:
                $ref: '#/components/schemas/error_object'
        '401':
          description: Invalid or missing API key.
          content:
            application/json:
              examples:
                invalid_api_key:
                  value:
                    error:
                      type: authentication_error
                      code: invalid_api_key
                      message: 'Invalid API Key: invalid-*oken'
              schema:
                $ref: '#/components/schemas/error_object'
        '404':
          description: The resource does not exist in your organization.
          content:
            application/json:
              examples:
                missing_resource:
                  value:
                    error:
                      code: missing_resource
                      message: 'Recipient not found: rcp_nonexistent'
              schema:
                $ref: '#/components/schemas/error_object'
      security:
        - api_key: []
components:
  schemas:
    recipient:
      type: object
      description: >-
        A recipient represents a saved destination account for an entity. The
        recipient contains the account holder, institution, and account details
        for the destination in Chile or Mexico.
      properties:
        id:
          type: string
          description: Unique identifier of the recipient.
          example: rcp_2hQ9vBmKpR7xLtZ3sWn1fJ4dGcA
        object:
          const: recipient
          description: Type of the object. Always `recipient`.
        account_number:
          type: string
          description: >-
            Destination bank account number. In Mexico, an 18-digit standardized
            Mexican bank account number (CLABE), a 16-digit debit card number,
            or a 10-digit mobile number.
          example: '000000000000000000'
        account_type:
          type:
            - string
            - 'null'
          enum:
            - clabe
            - debit_card
            - mobile
            - vostro_account
            - vostro_account1
            - vostro_account2
            - vostro_account3
            - vostro_account4
            - values_custody
            - institution
            - checking_account
            - sight_account
            - savings_account
            - null
          description: >-
            Destination account type, in lowercase. In Mexico, inferred from
            `account_number`. Returns `null` when unknown. One of `clabe`,
            `debit_card`, `mobile`, `vostro_account`, `vostro_account1`,
            `vostro_account2`, `vostro_account3`, `vostro_account4`,
            `values_custody`, `institution`, `checking_account`,
            `sight_account`, and `savings_account`.
          example: clabe
        alias:
          type:
            - string
            - 'null'
          description: Label you assign to the recipient, or `null` when none is set.
          example: Test recipient
        created_at:
          type: string
          format: date-time
          description: Time you created the recipient, as an ISO 8601 datetime in UTC.
          example: '2026-03-01T12:00:00Z'
        email:
          type:
            - string
            - 'null'
          description: Contact email address, or `null` when none is set.
          example: recipient@example.com
        holder_id:
          type:
            - string
            - 'null'
          description: >-
            Account holder identification. In Chile, the Chilean tax ID (RUT).
            Cannot change after creation. Returns `null` when none is set.
          example: '111111111'
        holder_name:
          type:
            - string
            - 'null'
          description: Account holder name, or `null` when unavailable.
          example: Test Customer 1
        holder_type:
          type: string
          enum:
            - person
            - company
            - unknown
          description: Account holder category. One of `person`, `company`, or `unknown`.
          example: person
        institution:
          type: object
          description: Financial institution that holds the destination account.
          properties:
            id:
              type: string
              description: Public identifier of the institution.
              example: '40002'
            name:
              type: string
              description: Name of the institution.
              example: BANAMEX
            country:
              type: string
              enum:
                - mx
                - cl
              description: Country of the institution. One of `cl` or `mx`.
              example: mx
          required:
            - id
            - name
            - country
        updated_at:
          type: string
          format: date-time
          description: Time you last updated the recipient, as an ISO 8601 datetime in UTC.
          example: '2026-03-01T12:00:00Z'
      required:
        - id
        - object
        - account_number
        - account_type
        - alias
        - created_at
        - email
        - holder_id
        - holder_name
        - holder_type
        - institution
        - updated_at
    error_object:
      type: object
      properties:
        error:
          type: object
          description: Details of the error that caused the request to fail.
          properties:
            code:
              type: string
              description: >-
                Machine-readable code identifying the specific error, for
                example `invalid_request`.
              example: invalid_request
            doc_url:
              type: string
              description: >-
                URL of a documentation page with more details about the error.
                Not returned by every error.
              example: https://docs.fintoc.com/reference/errors
            message:
              type: string
              description: Human-readable message describing the error.
              example: 'Missing required param: account_id'
            param:
              type:
                - string
                - 'null'
              description: >-
                Name of the request parameter that caused the error. Not
                returned by every error.
              example: account_id
            type:
              type: string
              description: >-
                Category of the error, for example `invalid_request_error` or
                `authentication_error`. Not returned by every error.
              example: invalid_request_error
          required:
            - code
            - message
      required:
        - error
  securitySchemes:
    api_key:
      type: apiKey
      name: Authorization
      in: header

````