Buy Now Pay Later (Chile Only)

You can accept the method of Buy Now Pay Later (installments payments without a credit card) from customers in Chile by using the Checkout Session API. Customers will have an offer to pay in installments by subscribing for the automatic charge on their bank of each installment related to the payment. Our Buy Now Pay Later product is in partnership with Banca.me.

Create a Buy Now Pay Later payment

Using your Secret Key, create a Checkout Session on your server with an amount, currency(only CLP for Installments Payments), success_url, cancel_url and payment_methods: ["instalments_payment"]:

curl --request POST \
     --url https://api.fintoc.com/v1/checkout_sessions \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
  "amount": 100000,
  "currency": "CLP",
  "cancel_url": "https://merchant.com/987654321",
  "success_url": "https://merchant.com/success",
  "customer_email": "customer@example.com",
  "metadata": {
    "order": "123456"
  },
  "payment_methods": ["installments_payment"]
}'

Parameter	Example	Explanation
`amount`	`100000`	Amount of money that needs to be paid. It’s represented as an integer with no decimals in the smallest possible unit of the currency you are using. At the moment, the minimum amount is CLP 20,000 and the maximum is CLP 400,000. However, we can evaluate your specific use case if you have a higher average ticket.”
`currency`	`CLP`	Currency that is being used for the payment. We currently only support CLP for installments payments.
`cancel_url`	`https://merchant.com/987654321`	URL to redirect the user in case they decide to cancel the payment and return to your website.
`success_url`	`https://merchant.com/success`	URL to redirect the user in case of payment succeeded.
`customer_email`	`customer@example.com`	A customer email linked to the Checkout Session. It is a required field for a `installments_payment` method.
`payment_methods`	`["installments_payment"]`	Payment methods available for the customer. `instalments_payment` represents the Buy Now Pay Later method and must be the only method set. It is not current available to include more than one payment method.
`metadata`	`{ "order": "#987654321" }`	Optional set of key-value pairs that you can attach to an object. This can be useful for storing additional information about the object in a structured format.

Installments Payment Only Available via the Redirect Page FlowTo accept installments payments you must use the integration via a Redirect Page where you will redirect users to a Fintoc-hosted payment page.After completing the payment, they’ll be automatically redirected back to your site on the success_url or cancel_url, based on the outcome of the payment.

Response when creating a Checkout Session for a Installments Payment

After making the request, Fintoc will respond with the Checkout Session with the status created including the redirect_urlyou will use to redirect your user to complete the payment:

{
  id: "cs_li5531onlFDi235",
  created_at: "2025-02-15T15:22:11.474Z",
  object: "checkout_session",
  expires_at: "2025-02-15T15:37:11.474Z",
  mode: "live",
  status: "created",
  metadata: {
    "order": "123456"
  },
  payment_methods: ["installments_payment"],
  currency: "CLP",
  amount: 100000,
  cancel_url: "https://merchant.com/987654321",
  success_url: "https://merchant.com/success",
  redirect_url: "https://pay.fintoc.com/payment?checkout_sesion=cs_li5531onlFDi235"
}

Parameter	Example	Explanation
`redirect_url`	`https://pay.fintoc.com/payment?checkout_session=cs_li5531onlFDi235`	URL to redirect the user to complete the payment

Handle post-payments events

Once a Checkout Session finishes, you handle the payment result in your frontend and complete the payment in your backend. For your frontend you will use thesuccess_url and cancel_url , and for your backend you will use the events sent by webhooks. Fintoc sends a checkout_session.finished event when the payment completes. Follow the webhook guide to receive these events and run actions, such as sending an order confirmation email to your customer, logging the sale in a database, or starting a shipping workflow. You should handle the following events:

Event	Description	Action
`checkout_session.finished`	Sent when a payment associated to a Checkout Session reaches a final state	Complete the order based on the payment’s final status
`checkout_session.expired`	Sent when a session expires	Offer the customer another attempt to pay.

Test your integration

To simulate a successful or failed Buy Now Pay Later Payment, you can use one of the following RUT numbers during the payment process:

RUT number	Final Result
Any number, except 11111111-1, 44444444-4 or 22222222-2	✅ Succeeded
11111111-1	❌ Failed due to no available credit offer
44444444-4	❌ Failed due to an active credit
22222222-2	❌ Failed during the credit contract signing step

In test mode, the payment process does not include the PAC subscription step. So when accessing the redirect_url, the steps will be:

Input RUT number
View and select an installment plan offer: In test mode, only one installment option is available (a single payment of 103,103 CLP), regardless of the amount specified when creating the Checkout Session.
Confirm mobile number via SMS code. In test mode you can input any mobile number to proceed, since you can use the following codes:
1. Any code except 123456 to proceed to the next step.
2. 123456 to simulate a failure at this step.
Sign the credit contract: you will receive a code at the customer_email you set when creating the Checkout Session. Use this code to proceed to a successful payment.
Payment successful: you will be redirected to the success_url and receive the checkout_session.finished event.

Checkout UX Guideline

To ensure a good experience and understanding for your users, add the Buy Now Pay Later button on your checkout using the images bellow depending on your configuration:

	Description	HTML
	Light button to use with the text “Paga en cuotas sin Tarjeta”	`<img src="https://assets.fintoc.com/?img_name=bnpl_bancame_fintoc_combo_cl_light">`
	Dark button to use with the text “Paga en cuotas sin Tarjeta”	`<img src="<https://assets.fintoc.com/?img_name=bnpl_bancame_fintoc_combo_cl_dark>">`
	Light logos to use with the text + bank logos image	`<img src="https://assets.fintoc.com/?img_name=bancame_fintoc_light">`
	Dark logos to use with the text + bank logos image	`<img src="https://assets.fintoc.com/?img_name=bancame_fintoc_dark">`
	Light text + bank logos to use witht the logos	`<img src="https://assets.fintoc.com/?img_name=bnpl_fintoc_combo_cl_light">`
	Dark text + bank logos to use with the logos	`<img src="https://assets.fintoc.com/?img_name=bnpl_fintoc_combo_cl_dark">`

Make sure the Buy Now, Pay Later option is hidden for amounts below the minimum.Since the minimum amount for installment payments is CLP 20,000, you should ensure that the Buy Now, Pay Later button is not displayed at checkout for orders below this threshold. This helps avoid a poor user experience and potential drop in conversion rates.

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Buy Now Pay Later (Chile Only)

Create a Buy Now Pay Later payment

Response when creating a Checkout Session for a Installments Payment

Handle post-payments events

Test your integration

Checkout UX Guideline

​Create a Buy Now Pay Later payment

​Response when creating a Checkout Session for a Installments Payment

​Handle post-payments events

​Test your integration

​Checkout UX Guideline

Create a Buy Now Pay Later payment

Response when creating a Checkout Session for a Installments Payment

Handle post-payments events

Test your integration

Checkout UX Guideline