Test your integration

Simulate every alternative payment method outcome without touching real banks. In test mode, Fintoc replaces the bank's checkout page with a sandbox simulator that emits the same webhooks as the live flow, so you can verify your integration before going live.

Available providers

Use institution_id to filter banks on the checkout page and payment_type to route webhook logic per bank.

Bank	`institution_id`	`payment_type`	Account types
Banco Santander	`cl_banco_santander`	`banco_santander`	Personal and business
Banco de Chile	`cl_banco_de_chile`	`banco_de_chile`	Personal and business
BancoEstado	`cl_banco_estado`	`banco_estado`	Personal and business
Mach	`cl_mach`	`mach`	Personal

Business-account providers include a multi-signer flow. Personal-only providers complete in one step.

Create a Checkout Session in test mode

Send the request with your test API key. Set payment_method_types to ["bank_transfer"] so the checkout page renders bank buttons.

curl https://api.fintoc.com/v2/checkout_sessions \
  -u sk_test_a1b3h4j24i9j0: \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 1000000,
    "currency": "CLP",
    "payment_method_types": ["bank_transfer"],
    "success_url": "https://example.com/success",
    "cancel_url": "https://example.com/cancel"
  }'

The response includes id and redirect_url.

{
  "id": "cs_test_a1b2c3d4e5f6g7h8i9j0",
  "object": "checkout_session",
  "status": "in_progress",
  "redirect_url": "https://pay.fintoc.com/payment?checkout_session=cs_ca29miv93md9hwl9",
  "amount": 1000000,
  "currency": "CLP"
}

Open the checkout and pick a bank

Open redirect_url in a browser and click the bank you want to test. Fintoc redirects you to https://pay.fintoc.com/sandbox/{checkout_session_id}.

Trigger an outcome

The simulator renders a page styled after the selected bank.

For business-capable providers (Santander, Banco de Chile, BancoEstado), first pick the scenario:

Pago Persona
Pago empresa con 1 apoderado
Pago empresa con 2 o más apoderados

Mach skips this step and shows the outcome screen directly. Then click the outcome you want to simulate:

Personal payments (Mach, or the Pago Persona flow on business-capable providers):

Outcome button	Status
`Pago exitoso`	`succeeded`
`Pago fallido`	`failed`
`Pago expirado`	`expired`

Business payments (1 or 2+ apoderados on Santander, Banco de Chile, BancoEstado):

Outcome button	Status
`Pago aprobado por todos los apoderados`	Moves to `requires_action` and transitions to `succeeded` after 30 seconds.
`Pago pendiente de aprobación`	Stays in `requires_action` until the remaining signers act or the session expires.
`Pago fallido`	`failed`.

The 30-second delay reproduces the time it takes for every signer to sign the payment in production.

Inspect the webhooks

Subscribe to these events in your webhook endpoint configuration; the sandbox emits the same payloads as production. The payloads below show only the fields relevant to this flow.

Business approved by all signers

The customer clicks Pago aprobado por todos los apoderados. Fintoc sends checkout_session.finished immediately, then payment_intent.succeeded after 30 seconds.

{
  "type": "checkout_session.finished",
  "mode": "test",
  "data": {
    "object": "checkout_session",
    "id": "cs_test_a1b2c3d4e5f6g7h8i9j0",
    "status": "finished",
    "payment_resource": {
      "payment_intent": {
        "object": "payment_intent",
        "id": "pi_test_1a2b3c4d5e6f7g8h9i0j",
        "status": "requires_action",
        "amount": 1000000,
        "currency": "CLP",
        "payment_type": "banco_santander",
        "next_action": {
          "type": "bank_transfer_authorization",
          "expires_at": "2026-05-16T00:00:00-04:00"
        }
      }
    }
  }
}

{
  "type": "payment_intent.succeeded",
  "mode": "test",
  "data": {
    "object": "payment_intent",
    "id": "pi_test_1a2b3c4d5e6f7g8h9i0j",
    "status": "succeeded",
    "amount": 1000000,
    "currency": "CLP",
    "payment_type": "banco_santander",
    "next_action": null
  }
}

Business pending approval

The customer clicks Pago pendiente de aprobación. Fintoc sends checkout_session.finished. The intent stays in requires_action until the remaining signers act. If no one acts before the deadline shown in next_action.expires_at, Fintoc sends payment_intent.expired.

{
  "type": "checkout_session.finished",
  "mode": "test",
  "data": {
    "object": "checkout_session",
    "id": "cs_test_a1b2c3d4e5f6g7h8i9j0",
    "status": "finished",
    "payment_resource": {
      "payment_intent": {
        "object": "payment_intent",
        "id": "pi_test_1a2b3c4d5e6f7g8h9i0j",
        "status": "requires_action",
        "amount": 1000000,
        "currency": "CLP",
        "payment_type": "banco_santander",
        "next_action": {
          "type": "bank_transfer_authorization",
          "expires_at": "2026-05-16T00:00:00-04:00"
        }
      }
    }
  }
}

{
  "type": "payment_intent.expired",
  "mode": "test",
  "data": {
    "object": "payment_intent",
    "id": "pi_test_1a2b3c4d5e6f7g8h9i0j",
    "status": "expired",
    "amount": 1000000,
    "currency": "CLP",
    "payment_type": "banco_santander",
    "next_action": null
  }
}

Business rejected

The customer clicks Pago fallido. Fintoc sends checkout_session.finished and then payment_intent.failed.

{
  "type": "checkout_session.finished",
  "mode": "test",
  "data": {
    "object": "checkout_session",
    "id": "cs_test_a1b2c3d4e5f6g7h8i9j0",
    "status": "finished",
    "payment_resource": {
      "payment_intent": {
        "object": "payment_intent",
        "id": "pi_test_1a2b3c4d5e6f7g8h9i0j",
        "status": "requires_action",
        "amount": 1000000,
        "currency": "CLP",
        "payment_type": "banco_santander",
        "next_action": {
          "type": "bank_transfer_authorization",
          "expires_at": "2026-05-16T00:00:00-04:00"
        }
      }
    }
  }
}

{
  "type": "payment_intent.failed",
  "mode": "test",
  "data": {
    "object": "payment_intent",
    "id": "pi_test_1a2b3c4d5e6f7g8h9i0j",
    "status": "failed",
    "amount": 1000000,
    "currency": "CLP",
    "payment_type": "banco_santander",
    "next_action": null
  }
}

Personal succeeded

The customer clicks Pago exitoso. Fintoc sends checkout_session.finished and payment_intent.succeeded in the same transaction.

{
  "type": "checkout_session.finished",
  "mode": "test",
  "data": {
    "object": "checkout_session",
    "id": "cs_test_a1b2c3d4e5f6g7h8i9j0",
    "status": "finished",
    "payment_resource": {
      "payment_intent": {
        "object": "payment_intent",
        "id": "pi_test_1a2b3c4d5e6f7g8h9i0j",
        "status": "succeeded",
        "amount": 1000000,
        "currency": "CLP",
        "payment_type": "mach"
      }
    }
  }
}

{
  "type": "payment_intent.succeeded",
  "mode": "test",
  "data": {
    "object": "payment_intent",
    "id": "pi_test_1a2b3c4d5e6f7g8h9i0j",
    "status": "succeeded",
    "amount": 1000000,
    "currency": "CLP",
    "payment_type": "mach"
  }
}

Personal failed

The customer clicks Pago fallido. Same structure as personal succeeded, with status: "failed".

{
  "type": "payment_intent.failed",
  "mode": "test",
  "data": {
    "object": "payment_intent",
    "id": "pi_test_1a2b3c4d5e6f7g8h9i0j",
    "status": "failed",
    "amount": 1000000,
    "currency": "CLP",
    "payment_type": "mach"
  }
}

checkout_session.finished also fires alongside, with payment_resource.payment_intent.status: "failed".

Personal expired

The customer clicks Pago expirado. Fintoc sends checkout_session.finished and payment_intent.expired.

{
  "type": "payment_intent.expired",
  "mode": "test",
  "data": {
    "object": "payment_intent",
    "id": "pi_test_1a2b3c4d5e6f7g8h9i0j",
    "status": "expired",
    "amount": 1000000,
    "currency": "CLP",
    "payment_type": "mach"
  }
}

checkout_session.finished also fires alongside, with payment_resource.payment_intent.status: "expired".

When the payment ends in failed or expired, the payment_intent object may also include an error_reason field describing the failure. The exact values depend on the bank and the reason translator.