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Transactional data can be useful for an infinite amount of applications, including personal finance management, expense reports, bank reconciliation, cash flow, risk analysis and more. With Fintoc you can access the history of bank movements of your users.

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Who can use Fintoc

To use Fintoc, your business must meet all of these requirements:
  • A company tax ID. In Mexico, this is your company’s Mexican tax ID (RFC), which has 12 characters. In Chile, this is your company’s Chilean tax ID (RUT).
  • A bank account in your company’s name. Fintoc only sends your payouts to an account associated with your company’s RFC or RUT.
  • An email address on your company’s domain. Sign up with a corporate email, not a personal one such as Gmail or Hotmail.
Fintoc doesn’t accept individuals, including a natural person with business activity (persona natural con giro). Your company also needs at least 6 months of business activity, counted from the start date on your business initiation certificate. If your company is younger, the Dashboard shows an error when you upload the certificate and you can’t complete the onboarding. These requirements apply to every Fintoc product, including Movements and Payments. Confirm that your business meets them before you build your integration in test mode.

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Bank movements

Once your user connects their account, you can get the history of bank movements using the endpoint to List movements. You can read about the supported account types here. The bank movements API returns the accounting date, amount and other useful data. A bank movement should look like this:

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Movements update

Bank movements aren’t static. Once an account connects to Fintoc, Fintoc will periodically update the account’s information. The update intervals depend on the selected plan. You can also have a plan in which you explicitly ask Fintoc to update an account using the Fintoc API.