Setup direct payments

Learn how to set the recipient account in your payment.


Direct payments availability

For now, direct payments is only available for Chile.

Create a direct payment intent

To create a direct payment intent, you need to set the recipient_account object:

curl --request POST "" \
-- header 'Authorization: sk_live_0000000000000000' \
-- header 'Content-Type: application/json' \
--data-raw '{
  "amount": 2476,
  "currency": "CLP",
  "recipient_account": {
    "holder_id": "771433855",
    "number": "1836027172",
    "type": "checking_account",
    "institution_id": "cl_banco_de_chile"
const fetch = require('node-fetch');

const payment_intent = {
  amount: 1000,
  currency: 'clp',
  recipient_account: {
    holder_id: '771433855',
    number: '1836027172',
    type: 'checking_account',
    institution_id: 'cl_banco_de_chile'

fetch('', {
  	method: 'POST',
    headers: {
      'Content-Type': 'application/json',
      'Authorization': 'sk_live_000000000000'
    body: JSON.stringify(payment_intent),
import requests

payment_intent = {
  'amount': 1000,
  'currency': 'clp',
  'recipient_account': {
    'holder_id': '771433855',
    'number': '1836027172',
    'type': 'checking_account',
    'institution_id': 'cl_banco_de_chile'

headers = {
  'Accept': 'application/json', 'Authorization': 'sk_live_000000000000'

r =
require 'net/http'
require 'uri'
require 'json'

payment_intent = {
  amount: 1000,
  currency: 'clp',
  recipient_account: {
    holder_id: '771433855',
    number: '1836027172',
    type: 'checking_account',
    institution_id: 'cl_banco_de_chile'

uri = URI("")

header = {
  Accept: 'application/json', Authorization: 'sk_live_000000000000'

http =, uri.port)
request =, header)
request.body = payment_intent.to_json

response = http.request(request)

In Chile, the recipient account object is defined by 4 attributes:

holder_id193426816Account holder's RUT
number1836027172Account number
typechecking_accountType of account. Supported types are checking_account and sight_account.
institution_idcl_banco_de_chileFintoc institution id for the bank receiving the bank transfer. You can see the code for each bank here

Once you set the recipient account in the payment intent, the money will arrive directly in the bank account you specified.

Available recipient banks

Make sure the recipient account corresponds to an account in one of the following banks:

Bank NameFintoc Bank ID
Banco Ripleycl_banco_ripley
Banco Bci 360cl_banco_bci_360
Banco Bicecl_banco_bice
Banco Deutschecl_banco_deutsche
Banco Corpbancacl_banco_corpbanca
Banco Securitycl_banco_security
Banco Internacionalcl_banco_internacional
Banco Falabellacl_banco_falabella
Banco Estadocl_banco_estado
Banco BCIcl_banco_bci
Banco Scotiabankcl_banco_scotiabank
Banco Itaucl_banco_itau
Banco BBVAcl_banco_bbva
Banco Santandercl_banco_santander
Banco de Chilecl_banco_de_chile
Mercado Pagocl_mercado_pago