> ## 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. # Test your integration > Simulate a payment using alternative methods 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. ```bash theme={null} 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`. ```json theme={null} { "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. ```json theme={null} { "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" } } } } } ``` ```json theme={null} { "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`. ```json theme={null} { "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" } } } } } ``` ```json theme={null} { "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`. ```json theme={null} { "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" } } } } } ``` ```json theme={null} { "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. ```json theme={null} { "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" } } } } ``` ```json theme={null} { "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"`. ```json theme={null} { "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`. ```json theme={null} { "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.