Movement object

The Movement object

A Movement represents a single transaction in a bank account, such as a transfer, a check, or another debit or credit. It is retrieved from an institution for an account under a Link and is returned when you list or fetch movements.

Movement Object

{
  "id": "mov_BO381oEATXonG6bj",
  "object": "movement",
  "amount": 59400,
  "comment": "Pago factura 198",
  "currency": "CLP",
  "description": "Traspaso de:Fintoc SpA",
  "document_number": null,
  "pending": false,
  "post_date": "2020-04-17T00:00:00.000Z",
  "recipient_account": null,
  "reference_id": "123740123",
  "sender_account": {
    "holder_id": "111111111",
    "holder_name": "Test Company 1",
    "institution": {
      "id": "cl_banco_de_chile",
      "country": "cl",
      "name": "Banco de Chile"
    },
    "number": "0000000000"
  },
  "status": "confirmed",
  "transaction_date": "2020-04-16T11:31:12.000Z",
  "transfer_id": null,
  "type": "transfer"
}

Attribute	Type	Description
`id`	`string`	Unique identifier for the Movement
`object`	`string`	Identifier for the type of object. Its value for `Movements` will always correspond to `movement`
`amount`	`integer`	Movement amount in the smallest currency unit. Positive values increase the account balance, and negative values decrease it.
`comment`	`string`	If the movement is a transfer, this attribute indicates the transfer comment. It can be `null`
`currency`	`string`	Currency ISO code
`description`	`string`	Description for the movement, retrieved from the institution
`document_number`	`string` or `null`	Document number the institution assigns to the movement. `null` when the institution does not provide a document number.
`pending`	`boolean`	If the movement is a check, this field indicates whether the bank has yet to clear the check. If the movement isn’t a check, this attribute is `false`. `pending` is independent of `status`. See `pending` and `status`.
`post_date`	`string`	Movement’s accounting date, using ISO 8601. This field holds a date only, so its time component is always `00:00:00.000Z`.
`recipient_account`	`object`	Account that received the transfer. This field is `null` when the movement is not a transfer. See the Transfer Account object table below for details.
`reference_id`	`string`	Identifier retrieved from the institution. For transfers, this value is the operation number or transaction `id`. If the bank does not provide a transaction `id`, Fintoc uses the document number. For checks, this value is the document number. It can be `null`.
`sender_account`	`object`	Account that made the transfer. This field is `null` when the movement is not a transfer. See the Transfer Account object table below for details.
`status`	`string`	Status of the movement. Its values can be `confirmed`, `processing`, or `reversed`. See Movement status.
`transaction_date`	`string`	Date and time in which the Movement was made, using ISO 8601. The time comes from the institution. For some institutions, this value is Chilean local time even though it ends in `Z`. It can be `null` when the movement is not a transfer.
`transfer_id`	`string` or `null`	Identifier the institution assigns to the transfer. `null` when the movement is not a transfer or no transfer identifier is available.
`type`	`string`	Type of movement. Its values can be `transfer`, `check` or `other`

Post date and transaction dateEach movement includes post_date and transaction_date because banks use accounting dates internally. A transaction made on a Saturday can appear with Monday as its post_date. In that case, Saturday is the transaction_date, and Monday is the post_date.The post_date field is a date without a time, so Fintoc always returns it at 00:00:00.000Z. Don’t convert it to your local time zone, because the conversion can shift it to the previous day.The transaction_date field includes the time the institution reports. Depending on the institution, Fintoc can return Chilean local time with a Z suffix instead of a true UTC time. Check the values you receive for each institution before you convert transaction_date to another time zone.

Pending checksThe bank can take up to 48 business hours to confirm a check. The bank can reverse a pending check, for example because of lack of funds. Fintoc marks these checks with the pending flag so you know that the bank hasn’t cleared them yet. The pending flag doesn’t change the movement’s status.

Movement status

The status field indicates the current state of a movement. Most movements are confirmed. A movement can move to processing or reversed as Fintoc processes and validates the bank’s data. By default, List movements returns only confirmed movements. Send confirmed_only=false to also get processing and reversed movements.

Status	Description
`confirmed`	The movement has been confirmed and is considered final. This is the default status for all movements.
`processing`	The movement is being evaluated and may change to `confirmed` or `reversed`. This is a transitory status that typically resolves within 12 hours.
`reversed`	The movement was reversed by the bank. The original transaction has been undone.

`pending` and `status`

pending and status are separate fields, and each one answers a different question:

pending applies only to checks. It is true while the bank has yet to clear the check. For any other type of movement, it is always false.
status applies to every movement. It tells you whether the movement is confirmed, processing, or reversed.

A check can have pending set to true and status set to confirmed. Use status to decide whether a movement is final. Movements you stored earlier don’t update on their own. Request the movement again to get its current pending and status values.

The Transfer Account object (within the Movement object)

The Transfer Account object identifies the account on the other side of a transfer, and it appears in the sender_account and recipient_account fields of a Movement.

Attribute	Type	Description
`holder_id`	`string`	Account owner’s tax ID. In Chile, this value is a Chilean tax ID (RUT).
`holder_name`	`string`	Name of the owner of the account
`institution`	`object`	Institution to which the account belongs. It can be `null`
`number`	`string`	Account number. Does not include hyphens nor prefixed zeros. It can be `null`

Transfer data problemsTransfer data can sometimes be null or wrong. This can be due to the movement not being a transfer or because of matching problems with the banks statements. Always double check the transfer data before reconciliating your movements. On the other hand, movement data is always reliable. The transfer data can change up to 5 days after the movement was created.

​The Movement object

​Movement status

​pending and status

​The Transfer Account object (within the Movement object)

The Movement object

Movement status

`pending` and `status`

The Transfer Account object (within the Movement object)