> ## Documentation Index > Fetch the complete documentation index at: https://docs.fintoc.com/llms.txt > Use this file to discover all available pages before exploring further. # Check payment eligibility > Checks whether a payment for the given amount and sender account passes the transfer limits that banks and Fintoc enforce, without creating a payment intent. Only available for CLP payments. Available for organizations on API version `2026-02-01` or later. **`v2`** ยท Base URL `https://api.fintoc.com/v2` ## OpenAPI ````yaml reference/fintoc-api-v2.json POST /payment_intents/check_eligibility openapi: 3.1.0 info: title: fintoc-api-v2 version: v2026-02-01 servers: - url: https://api.fintoc.com/v2 security: [] paths: /payment_intents/check_eligibility: post: tags: - Payment intents summary: Check payment eligibility description: >- Checks whether a payment for the given amount and sender account passes the transfer limits that banks and Fintoc enforce, without creating a payment intent. Only available for CLP payments. Available for organizations on API version `2026-02-01` or later. operationId: payment-intents-check-eligibility parameters: [] requestBody: content: application/json: schema: type: object properties: amount: type: integer example: 100000 description: >- A positive integer representing the amount to pay, in the smallest unit of the currency (for example, `100000` for 100000 CLP, since CLP has no minor unit). currency: type: string example: CLP description: >- Three-letter ISO 4217 currency code. Only `CLP` is supported. sender_account: type: object description: Bank account the customer pays from. properties: institution_id: type: string example: cl_banco_de_chile description: Identifier of the institution of the account. holder_id: type: string example: '111111111' description: >- Chilean tax ID (RUT) of the account holder. Without it, Fintoc skips new contact validations. required: - institution_id recipient_account: type: object description: >- Bank account that receives the payment. Only send it if your organization uses direct payments; organizations that collect through Fintoc must omit it. properties: holder_id: type: string example: '111111111' description: RUT of the account holder. institution_id: type: string example: cl_banco_de_chile description: Identifier of the institution of the account. number: type: string example: '123456789' description: Number of the account, without hyphens or leading zeros. type: type: string example: checking_account description: >- Type of the account, such as `checking_account` or `sight_account`. required: - holder_id - institution_id - number required: - amount - currency - sender_account examples: check_payment_eligibility: summary: Check the eligibility of a payment value: amount: 100000 currency: CLP sender_account: institution_id: cl_banco_de_chile holder_id: '111111111' responses: '200': description: >- Result of the eligibility check. When the payment is not eligible, `error` describes the limit that the payment would exceed. content: application/json: examples: eligible_payment: value: eligible_payment: true error: null not_eligible_payment: value: eligible_payment: false error: type: amount_error code: maximum_amount_limit_error param: amount message: >- The amount exceeds the maximum amount permitted for payments by Fintoc Bank. Please enter an amount less than $5000. doc_url: https://docs.fintoc.com/reference/errors schema: $ref: '#/components/schemas/payment_intent_check_eligibility' '400': description: >- Invalid request: a required parameter is missing or the `currency` is not supported. content: application/json: examples: not_supported_currency: value: error: type: invalid_request_error code: not_supported_currency param: currency message: 'Currency not supported: USD' doc_url: https://docs.fintoc.com/reference/errors schema: $ref: '#/components/schemas/error_object' '401': description: Invalid or missing API key. content: application/json: examples: invalid_api_key: value: error: type: authentication_error code: invalid_api_key message: 'Invalid API Key: invalid-*oken' schema: $ref: '#/components/schemas/error_object' security: - api_key: [] components: schemas: payment_intent_check_eligibility: type: object properties: eligible_payment: type: boolean description: Whether the payment passes the transfer limits and can be created. example: true error: type: - object - 'null' description: >- Limit that the payment would exceed. `null` when the payment is eligible. properties: code: type: string enum: - new_contact_maximum_amount_limit_error - new_contact_payment_number_limit_error - minimum_amount_limit_error - maximum_amount_limit_error description: >- Error code of the limit. One of `minimum_amount_limit_error` (the amount is below the bank minimum), `maximum_amount_limit_error` (the amount exceeds the bank maximum), `new_contact_maximum_amount_limit_error` (the amount exceeds the maximum for new contacts), or `new_contact_payment_number_limit_error` (the sender reached the maximum number of transfers for new contacts). example: maximum_amount_limit_error doc_url: type: string format: uri description: URL of the error documentation. example: https://docs.fintoc.com/reference/errors message: type: string description: >- Human-readable description of the limit that the payment would exceed. param: type: string enum: - amount - sender_account description: >- Request parameter associated with the limit. One of `amount` or `sender_account`. example: amount type: type: string enum: - amount_error - new_contact_error description: >- Type of the limit. One of `amount_error` (the amount is outside the permitted range) or `new_contact_error` (the sender has not transferred to the recipient before). example: amount_error required: - type - message - code - param - doc_url required: - eligible_payment - error error_object: type: object properties: error: type: object description: Details of the error that caused the request to fail. properties: code: type: string description: >- Machine-readable code identifying the specific error, for example `invalid_api_key`. Not returned by every error. example: invalid_api_key doc_url: type: string description: >- URL of a documentation page with more details about the error. Not returned by every error. example: https://docs.fintoc.com/reference/errors message: type: string description: Human-readable message describing the error. example: 'Invalid API Key: invalid-*oken' param: type: - string - 'null' description: >- Name of the request parameter that caused the error. `null` when the error cannot be tied to a single parameter, and not returned by every error. example: amount type: type: string description: >- Category of the error, for example `invalid_request_error`, `authentication_error`, or `api_error`. example: invalid_request_error required: - type - message securitySchemes: api_key: type: apiKey name: Authorization in: header ````