Alternative Payment Methods

Alternative payment methods are non-card buttons that route your customer to the institution's own checkout. This page covers the methods Fintoc supports in Chile, their limits, and how to pre-select one. For the underlying flow, see Checkout Sessions.

Prerequisites

Fintoc supports two integration models:

• Fintoc Collects: Fintoc holds the credentials and settles into a pooled account. No agreement on your side.
• Direct: You hold the agreement and settle into your own account. Contact the Fintoc team to register your credentials.

Pick Direct when you already have an agreement with one of the institutions below or need funds in your own account.

Orchestration

Fintoc's orchestration engine selects the payment method at runtime based on the customer's institution and the amount. When a customer selects bank transfer, the engine first attempts a standard bank transfer through that institution. If the amount exceeds the institution's transaction limit, the engine routes the customer to the institution's alternative payment method instead. The customer completes the payment in the institution's own checkout.

This fallback runs automatically once you register your credentials. Each supported method appears as a button in your checkout, and Fintoc routes the customer to the right method based on the amount and the institution. See Transaction limits for the per-institution caps that trigger the redirect.

Available methods and limits

Fintoc supports the following Chilean institutions:

Banks cap a customer's first transfer to a new recipient at a lower amount than subsequent transfers. The orchestration engine factors this in when choosing the payment method. The table below shows a few example outcomes: