Batch Transfers

📌
Available via Dashboard only.

Overview

A batch transfer lets you load, authorize, and execute up to 5000 transfers from a single file. Use it for payrolls, supplier payouts, or daily client disbursements.

Key benefits

Upload up to 5000 transfers in one file.
Validate data automatically.
Review batches before executing them.
Require multi-factor authentication (MFA) before funds move.
Track progress and outcomes per batch or per individual transfer.

How it works

1. Create a Batch Transfer

Go to Transfers → Batch Transfers in your Fintoc Dashboard and click “Create”.
Assign a description, for example Pagos de octubre.
Download the country-specific template:
- 🇨🇱 Template Chile (CLP)
- 🇲🇽 Template México (MXN)

2. Fill out the template

Each row represents one transfer.

Field	Description	🇨🇱 Required	🇲🇽 Required	Notes
`sender_account_number`	Account number the money is sent from.	✅	✅
`counterparty_holder_id`	Destination account holder's 🇨🇱 Chilean tax ID (RUT) or 🇲🇽 Mexican tax ID (RFC).	✅	❌
`counterparty_name`	Destination account holder name.	❌	❌
`counterparty_institution_id`	The counterparty account institution.	✅	❌ / ✅	🇲🇽 Required if you do not provide a standardized Mexican bank account number (CLABE). Use a 5-digit code from this list. 🇨🇱 A code like `cl_banco_bbva` from this list.
`counterparty_account_number`	Destination account number.	✅	✅	CLABE (MX) or account number (CL)
`amount`	Amount to transfer to the destination account.	✅	✅	CLP (integer) or MXN (decimal with `.`)
`comment`	Free-text note attached to the transfer.	❌	❌	Optional. Max 40 characters
`reference_id`	Numeric reference.	❌	❌	Optional. Max 7 digits
`meta/...`	Custom metadata columns.	❌	❌	Up to 50 allowed. For example, the column `meta/user_name` results in the custom column `user_name`.

⚠️
In Chile, Fintoc splits any transfer row over 7,000,000 CLP into multiple independent transfers.

3. Upload your file

Fintoc supports CSV files.
Fintoc shows validation messages when it finds errors.

If you see an error, correct your file and re-upload it.
Fintoc shows warnings, such as duplicated rows, but they do not block the upload.

4. Review and confirm

Before creating your batch:

Review the total number of transfers and total transfer amount
If needed, go back and upload a new file

After confirming, your batch appears under Pending Authorizations.

5. Authorize the batch

Go to the Authorizations tab and select your batch to open its details.
Review the batch one last time.
Choose an action (cannot be undone):
- ✅ Authorize (requires MFA)
- ❌ Reject

6. Execution and tracking

Once fully authorized:

The batch moves to in_progress.
Each transfer appears individually in your Transfers view as pending, then succeeded or failed.
If some transfers fail, for example because of insufficient balance, the batch ends as partially_succeeded.
Batches expire automatically after 2 weeks if not authorized.

Test the integration

Confirm the batch reaches succeeded or partially_succeeded in your Transfers view. If any rows are failed, check their failure reason before retrying them.

Batch statuses

Status	Description
`pending_authorization`	Created, awaiting approval.
`in_progress`	Authorized and executing.
`succeeded`	All transfers completed successfully.
`partially_succeeded`	Some transfers succeeded, some failed.
`failed`	All transfers failed.
`rejected`	Rejected by an approver.
`expired`	Not authorized within 2 weeks.