Unlike the subscription flow — which couples enrollment with recurring billing — the setup flow lets you save a payment method without creating a subscription, ideal for on-demand or variable-amount charges.

There are four steps to set up a Payment Method and charge it later:

1. On your backend, create a Checkout Session with flow: setup
2. Redirect your user to complete the enrollment at the Fintoc-hosted checkout page
3. Handle post-session events to save the payment_method and customer
4. Create charges against the saved payment method using thepayment_intent API

The following diagram shows how the setup flow works:

Create a Session

The Checkout Session with the setup flow represents your intent to save a payment method for future charges, without creating a recurring subscription.

Using your Secret Key, create a Checkout Session on your backend with flow set to setup:

curl --request POST "https://api.fintoc.com/v2/checkout_sessions" \
  --header "Authorization: YOUR_SECRET_API_KEY" \
  --header "Content-Type: application/json" \
  --data-raw '{
    "flow": "setup",
    "currency": "CLP",
    "success_url": "https://merchant.com/success",
    "cancel_url": "https://merchant.com/cancel",
    "customer_data": {
      "tax_id": {
        "type": "cl_rut",
        "value": "12088191"
      },
      "name": "Felipe Castro",
      "email": "[email protected]"
    },
    "metadata": {}
  }'

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Difference from the subscription flow

When you create a Checkout Session with flow: setup, Fintoc enrolls and creates a PaymentMethod — but does not create an InvoicingSubscription or schedule any recurring charges. You control when and how much to charge creating future payment intents.

Include Customer Data (Required)

When creating a Checkout Session for setup, you must include customer information.

Response when creating a Checkout Session

After creating the Checkout Session, Fintoc responds with the session details and a redirect_url:

{
  "id": "cs_li5531onlFDi235",
  "object": "checkout_session",
  "flow": "setup",
  "status": "created",
  "currency": "CLP",
  "customer": {
    "name": "Felipe Castro",
    "email": "[email protected]",
    "tax_id": {
      "type": "cl_rut",
      "value": "12088191"
    }
  },
  "success_url": "https://merchant.com/success",
  "cancel_url": "https://merchant.com/cancel",
  "redirect_url": "https://pay.fintoc.com/checkout/cs_li5531onlFDi235",
  "metadata": {}
}

Redirect the user to complete the enrollment

Next, redirect the user to the redirect_url from the response. The user will see the Fintoc-hosted checkout page where they complete the enrollment.

After completing the enrollment, the user is automatically redirected to your success_url or cancel_url depending on the outcome.

Handle post-session events

Always use webhooks to determine the final outcome. Users may close the tab, lose connection, or never reach your success_url.

Checkout Session events

When the enrollment completes, Fintoc sends a checkout_session.finished event with the customer and payment_method information:

{
  "id": "evt_a4xK32BanKWYn",
  "object": "event",
  "type": "checkout_session.finished",
  "data": {
    "id": "cs_li5531onlFDi235",
    "object": "checkout_session",
    "mode": "live",
    "flow": "setup",
    "status": "finished",
    "currency": "CLP",
    "customer": {
      "id": "cus_NffrFeUfNV2Hib",
      "name": "Felipe Castro",
      "email": "[email protected]",
      "tax_id": {
        "type": "cl_rut",
        "value": "12088191"
      }
    },
    "payment_method": "pm_NffrFeUfNV2Hib",
    "setup_intent": "seti_3AUiBT4dia35S27G7mK8RnQg2SK",
    "metadata": {},
    "success_url": "https://merchant.com/success",
    "cancel_url": "https://merchant.com/cancel"
  }
}

Payment Method events

You will also receive a payment_method.activated event with the details of the new saved payment method:

{
  "id": "pm_3BgHP7aSqsqLiEcotFQfyx7Of8u",
  "object": "payment_method",
  "card": null, 
  "created_at": "2021-10-15T15:22:11.474Z",
  "customer": "cus_NffrFeUfNV2Hib",
  "mode": "live",
  "metadata": {},
  "pac": {
    "account_holder_id": "257932338",
    "account_number": "19831940978",
    "account_type": "checking_account",
    "institution_id": "cl_banco_falabella",
    "status": "active",
  },
  "type": "pac"
}

Store both the customer ID and the payment_method ID — you will need them to create charges later.

Events summary

You should subscribe to all the following post-session events:

Create a charge against the saved payment method

Once you have a saved payment_method, you can create charges against it by creating a Payment Intent passing the payment_method and customer ID:

cURL

curl --request POST "https://api.fintoc.com/v2/payment_intents" \
  --header "Authorization: YOUR_SECRET_API_KEY" \
  --header "Content-Type: application/json" \
  --data-raw '{
    "amount": 150000,
    "currency": "CLP",
    "customer": "cus_NffrFeUfNV2Hib",
    "payment_method": "pm_NffrFeUfNV2Hib",
    "metadata": {
      "order_id": "order_98765"
    }
  }'

Handle payment events

Subscribe to the following events to track the payment outcome:

Test your integration

Using your test mode API Secret Key, create Checkout Sessions that simulate the full setup and payment flow without moving any money.

1) Create a setup Checkout Session using test credentials

Create a Checkout Session with flow: setup using your test mode Secret Key. Complete the enrollment flow on the Fintoc-hosted page using the following credentials:

Test credentials:

PAC:

• Username (RUT): 41614850-3
• Password: jonsnow
• Select the account based on the final outcome you want to test:

Card:

2) Verify the saved payment method

After completing the test enrollment, you should receive the checkout_session.finished and payment_method.activated webhook events. Verify that:

• The payment_method ID is present in the event payload
• The customer ID is correctly associated

3) Create a test charge against the saved method

Using the customer and payment_method IDs from step 2, create a payment Checkout Session with flow: payment. Verify that:

• The payment_intent.succeeded event is received
• The amount matches what you sent
• The payment method used is the saved PAC or card