Tax Returns

Access the tax returns of your users

Tax return data allows you to quickly verify the income, financial capabilities and obtain extra information from your users.

In Chile, the anual tax return form corresponds to the F22 form.

Data from the F22 form

Anual Income

With the F22 form you can obtain information about the anual income from the last fiscal year of your user.

If your user is an employee, then using the salary field you can get the anual salary (sum of every montly salary).

If your user is independent (as oposed to an employee), then using the fees field you can get the total amount of invoices of the last fiscal year.

Extra data

With the F22 form you can not only get the rent from your users. The Fintoc API also gives you additional information that you can use for your risk models, to improve onboarding experiences or to update contact information.

Extra data that can be useful includes:

  • Home address
  • Phone number
  • Email
  • Bank account that is selected to get the tax returns if they exist.

Sample response

Here you can see what a response from the Fintoc API looks like. Read the Fiscal API reference to see more details.

  "id": "taxret_nMNejK7BT8oGbvO4",
  "object": "tax_return",
  "institution_id": "cl_fiscal_sii",
  "interval_unit": "annual",
  "period": "2021",
  "fiscal_year": "2021",
  "currency": "CLP",
  "document_number": "12345",
  "taxpayer": {
    "id": "117056856",
    "name": "Erlich Bachman",
    "institution_tax_payer": {
      "address": "Los Conquistadores 2461",
      "phone": "+56981234312",
      "email": "[email protected]",
      "business_activity_description": "Servicios de tecnologia",
      "business_activity_code": "0123"
  "institution_tax_return": {
    "refund_account": {
      "holder_id": "117056856",
      "holder_name": "Erlich Bachman",
      "number": "123123123",
      "institution": {
        "id": "cl_banco_de_chile",
        "name": "Banco de Chile",
        "country": "cl"
    "refund_amount": 1000,
    "due_amount": 0,
    "income": {
      "fees_with_retention": 234212,
      "withheld_fees": 42341,
      "fees_without_retention": 512334,
      "fees": 13123,
      "salary": 2313123

Using the Fiscal API

1. Configure the Fintoc widget

To connect a Link that includes tax returns to Fintoc, you must configure the widget with the tax_returns product:

const widget = Fintoc.create({
  holderType: 'individual',
  product: 'tax_returns',
  publicKey: 'pk_test_Ks91jGaksOPns71Sf5h',
  webhookUrl: '',
  onSuccess: () => console.log('success!'),
  onExit: () => console.log('exit')

Read the guide about the widget to learn more about its integration and parameters.

2. Retrieving the tax returns

Roughly 2 minutes after your user connected the new Link, you have access to the tax returns!

Read the Fiscal API reference for more details about the endpoints.

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