Pick your use case
Configure Fintoc Transfers for five business scenarios, from dedicated Account Numbers to bulk payouts.
In Mexico, an Account Number is a standardized Mexican bank account number (CLABE). These guides describe five common patterns: when to use each pattern, what it looks like, and which reference pages to read. The actual API payloads live in Receive transfers and Send transfers. Find the pattern that matches your goal:
| Goal | Pattern | Best for |
|---|---|---|
| Receive transfers and know who paid, automatically | Payins on dedicated account numbers | Lending, insurance, SaaS, marketplaces |
| Send money from my Fintoc balance | Payouts to users or suppliers | Loan disbursements, refunds, vendor payments |
| Give every end user their own balance | Wallet for end users | Neobanks, gig platforms, B2B marketplaces |
| Pay a list of 10 to 5,000 people in one go | Payroll or bulk payouts | Monthly payroll, supplier runs |
| Check who owns an account number before paying them | Verify an account number before payout | User-entered destinations, P2P, onboarding |
A note on Chile
Some reconciliation tooling (dedicated Account Numbers per customer, options.min_amount and options.max_amount, CLABE verification, and inbound transfer returns) is Mexico only. In Chile, inbound transfers land on the Account's single default Account Number and you reconcile by reading counterparty.holder_id and comment.
Each use-case page calls out exactly which steps apply per country.