> ## 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. # Create a payment link > Creates a payment link in the `live` or `test` mode of the API key used. The response includes the `url` of the page where your customer pays. The payment link accepts payments until you cancel it or, when `expires_after_seconds` is sent, until it expires. **`v1`** · Base URL `https://api.fintoc.com/v1` ## OpenAPI ````yaml reference/fintoc-api.json POST /payment_links openapi: 3.1.0 info: title: fintoc-api version: v2026-02-01 servers: - url: https://api.fintoc.com/v1 security: [] paths: /payment_links: post: tags: - Payment links summary: Create a payment link description: >- Creates a payment link in the `live` or `test` mode of the API key used. The response includes the `url` of the page where your customer pays. The payment link accepts payments until you cancel it or, when `expires_after_seconds` is sent, until it expires. operationId: payment-links-create parameters: [] requestBody: content: application/json: schema: type: object properties: amount: type: integer example: 5000 description: >- Amount to collect, in the smallest unit of `currency`. For example, `5000` represents 5000 CLP, since CLP has no minor unit, or 50.00 MXN. Must be greater than `0`. currency: type: string enum: - CLP - MXN example: CLP description: >- Three-letter ISO 4217 currency code. One of `CLP` (Chilean peso) or `MXN` (Mexican peso). Case-insensitive. business_profile: type: object description: >- **Required if your organization identifies a business profile per payment.** Enrolled merchant on whose behalf you collect the payment, used for category-based billing. properties: category: type: string example: '620200' description: >- Six-character activity code of the enrolled merchant. In Chile, the activity code defined by the tax authority (SII). name: type: string example: Tienda Ejemplo description: >- Name of the enrolled merchant. When set, the checkout shows the name as the recipient of the payment. tax_id: type: string example: '111111111' description: >- Tax identifier of the enrolled merchant. In Chile, a valid RUT (Rol Único Tributario). checkout: type: object description: Checkout customization. Supports a single `description` key. properties: description: type: string example: Premium subscription description: Text shown next to the buy button on the payment page. customer_email: type: string example: customer@example.com description: >- Email address of your customer, used for transaction notifications, including refunds. expires_after_seconds: type: integer example: 86400 description: >- Number of seconds after which the payment link expires. Must be greater than `0`. If omitted, the payment link never expires. metadata: type: object example: order_id: '1234' description: >- Set of key-value pairs you can attach to the payment link to store additional information in a structured format. recipient_account: type: object description: >- **Required if your organization uses the Fintoc Reconciles schema without a default pool account.** Destination bank account for the payments collected with the link. Available only in Chile. Do not send it if your organization uses Fintoc Collects, where Fintoc presets the account for you. properties: holder_id: type: string example: '111111111' description: >- National identifier of the account holder. In Chile, a valid RUT without dots or hyphen. institution_id: type: string example: cl_banco_de_chile description: Identifier of the account's institution. number: type: string example: '123456789' description: Account number, without hyphens or leading zeros. type: type: string enum: - checking_account - savings_account - sight_account - rut_account - line_of_credit - credit_card example: checking_account description: Type of the destination account. required: - holder_id - institution_id - number - type required: - amount - currency examples: create_payment_link: summary: Create a payment link value: amount: 5000 currency: CLP checkout: description: Premium subscription customer_email: customer@example.com metadata: order_id: '1234' responses: '201': description: >- Payment link created. Share the returned `url` with your customer to collect the payment. content: application/json: examples: payment_link_created: value: id: plink_K2zwNNSxPyx8w3GZ object: payment_link amount: 5000 checkout: description: Premium subscription created_at: '2024-04-04T15:23:11.474Z' currency: CLP customer_email: customer@example.com expires_at: null metadata: order_id: '1234' mode: live recipient_account: null status: active url: https://pay.fintoc.com/plink_K2zwNNSxPyx8w3GZ schema: $ref: '#/components/schemas/payment_link' '400': description: >- Invalid request. One parameter is missing or invalid: `amount` is not a positive integer or exceeds the allowed maximum, `currency` is not supported, `customer_email` is malformed, or `recipient_account` does not match your organization's configuration. content: application/json: examples: invalid_amount: value: error: type: invalid_request_error code: invalid_positive_integer param: amount message: >- Invalid positive integer: 0. It should be greater than zero. 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' '402': description: No payment method is enabled for your organization. content: application/json: examples: no_payment_methods_available: value: error: type: api_error code: payment_required message: >- No payment methods are available for this organization. Please enable at least one payment method. schema: $ref: '#/components/schemas/error_object' security: - api_key: [] components: schemas: payment_link: type: object properties: id: type: string example: plink_K2zwNNSxPyx8w3GZ description: Unique identifier of the payment link. object: const: payment_link description: Type of the object. Always `payment_link`. amount: type: integer example: 5000 description: >- Amount to collect, in the smallest unit of `currency`. For example, `5000` represents 5000 CLP, since CLP has no minor unit, or 50.00 MXN. checkout: type: object example: description: Premium subscription description: >- Checkout customization. The `description` key holds the text shown next to the buy button, or `null` when you do not set it. created_at: type: string format: date-time example: '2024-04-04T15:23:11.474Z' description: ISO 8601 datetime in UTC of when the payment link was created. currency: type: string enum: - CLP - MXN example: CLP description: >- Three-letter ISO 4217 currency code. One of `CLP` (Chilean peso) or `MXN` (Mexican peso). customer_email: type: - string - 'null' example: customer@example.com description: >- Email address of your customer, used for transaction notifications. `null` when not provided on creation. expires_at: type: - string - 'null' format: date-time example: '2024-04-05T15:23:11.474Z' description: >- ISO 8601 datetime in UTC of when the payment link expires. `null` when the payment link does not expire. metadata: type: object example: order_id: '1234' description: Set of key-value pairs attached to the payment link on creation. mode: $ref: '#/components/schemas/mode' recipient_account: type: - object - 'null' description: >- Destination bank account for the payments collected with the link. `null` unless your organization sent it on creation. properties: holder_id: type: string example: '111111111' description: >- National identifier of the account holder. In Chile, a RUT (Rol Único Tributario) without dots or hyphen. institution_id: type: string example: cl_banco_de_chile description: Fintoc identifier of the account's institution. number: type: string example: '123456789' description: Account number, without hyphens or leading zeros. type: type: string enum: - checking_account - savings_account - sight_account - rut_account - line_of_credit - credit_card example: checking_account description: Type of the destination account. required: - holder_id - institution_id - number - type status: type: string enum: - active - expired - canceled example: active description: >- Status of the payment link. One of `active` (accepts payments), `expired` (the expiration date passed), or `canceled` (you canceled the link). url: type: string example: https://pay.fintoc.com/plink_K2zwNNSxPyx8w3GZ description: URL of the page where your customer pays. required: - id - object - amount - checkout - created_at - currency - customer_email - expires_at - metadata - mode - recipient_account - status - url 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 mode: type: string enum: - test - live description: >- Mode of the object. `live` objects use real institution data, `test` objects use fake data for integration testing. example: live securitySchemes: api_key: type: apiKey name: Authorization in: header ````