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The Business Accounts API lets you receive, send, and reconcile bank transfers in Chile and Mexico. This page introduces the API and its objects. For the full endpoint reference, see the Business Accounts API reference. With the Business Accounts API, you can:
  • Create accounts and assign them to your orders or customers to reconcile inbound transfers against a known account.
  • Receive bank transfers at an Account Number you assign to a customer or an order. In Mexico, an Account Number is a standardized Mexican bank account number (CLABE). In Chile, an Account Number is a bank account number that Fintoc issues on your Cuenta con Provisión de Fondos (CPF).
  • Send transfers to any account and track each transfer’s status via webhooks. Transfers move over the local interbank rails: the Sistema de Pagos Electrónicos Interbancarios in Mexico and the Centro de Compensación Automatizado in Chile.

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How it fits together

A minimal integration has four objects:
  • Entity: a legal person or business. Your business is the root Entity.
  • Account: holds a balance. Your company’s account is the root Account.
  • Account Number: the string of digits you share with senders. In Mexico, an Account Number is a CLABE. In Chile, an Account Number is a bank account number. Each Account can have more than one Account Number.
  • Transfer: a single money movement, inbound or outbound.

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Availability by country

Business Accounts API capabilities vary by country: