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An Account Number is the string of digits that senders use to pay you. In Mexico, an Account Number is a standardized Mexican bank account number (CLABE). In Chile, an Account Number is a bank account number on your Cuenta con Provisión de Fondos (CPF). An Account Number points to an Account. This page explains the relationship between Account Numbers and Account objects. You also learn how to configure Account Numbers and which rules apply to Account Numbers. For the API fields, see the Account Number object reference. In Fintoc, Account Numbers and Account objects are decoupled. Each Account can have more than one Account Number. Each Account holds a balance. Account Numbers route incoming money.

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What you can do with Account Numbers

You can use Account Numbers to:
  • Reconcile payments. Attach metadata, such as customer_id and invoice_id, to an Account Number. When a transfer arrives, the webhook carries that metadata back to you.
  • Filter incoming transfers. Set options.min_amount and options.max_amount to automatically reject payments above or below those limits. Fintoc applies these limits to Mexican Account Numbers. See Add logic to Account Numbers.
  • Retire Account Numbers. Disable an Account Number you no longer need in either country, or delete a Mexican Account Number to free quota. See Manage your Account Numbers.

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Root Account Number

Fintoc creates every Account with one default Account Number, marked as is_root: true. Your outbound transfers always originate from this root Account Number.

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Rules

Account Numbers follow these rules:
  • You cannot reassign an Account Number. You cannot move an Account Number from its original Account to a different Account.
  • Disabled Account Numbers reject transfers automatically. The money returns to the sender. See Add logic to Account Numbers.
  • Deleting an Account Number releases it. Fintoc can reassign the Account Number to another Fintoc customer. You can delete Mexican Account Numbers only. See Manage your Account Numbers.

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Account Number quota

By default, you can create up to 1,000,000 Account Numbers per organization. Deleting a Mexican Account Number frees up quota. Deletion cannot be undone. If you need to create more than 1,000,000 Account Numbers, contact your sales representative.