Overview
Programmatically initiate, track, and reconcile payments.
With one API you can:
- Create accounts and assign them to your orders or customers to easily reconcile inbound transfers.
- Receive bank transfers and reconcile them in real time, using a unique CLABE (Mexico) or by reading the sender's details (Chile).
- Send transfers to any account — SPEI in Mexico, TEF in Chile — and track their status via webhooks.
How it fits together
A minimal integration has four objects:
- Entity — a legal person or business. Yours is the Root Entity.
- Account — holds a balance. Your company's is the Root Account.
- Account Number (CLABE in Mexico) — the string of digits you share with senders. An Account can have many.
- Transfer — a single money movement, inbound or outbound.
Availability by country
Our Transfer API capabilities vary depending on the country you are operating in:
| Mexico 🇲🇽 | Chile 🇨🇱 | |
|---|---|---|
| API for inbound transfers | ✅ | ✅ |
| API for outbound transfers | ✅ | ✅ |
| API for accounts | ✅ | |
| API for CLABEs | ✅ | |
| Endpoint to return a transfer | ✅ | |
| Endpoint to verify a CLABE | ✅ |
Daily settlement (Mexico only)
Every day at 5:30 PM GMT-6, Fintoc sweeps the full balance of each of your Accounts to an external bank account you've pre-configured. The sweep appears as an outbound Transfer with comment Fintoc daily settlement. Accounts must be re-funded each day for a continuous operation.
Updated 3 days ago
What’s Next