Set up direct payments

Direct payments availabilityFor now, direct payments are only available in Chile.

Before you begin

Fintoc must enable direct payments for your organization before you can send a recipient_account. This applies to both test and live modes. To request enablement, email sales@fintoc.com or contact your account executive. If your organization uses Fintoc Collect, Fintoc presets the recipient account for you. If you send payment_method_options.bank_transfer.recipient_account when you create a checkout session, Fintoc rejects the request with a 400 Bad Request status and this error:

{
  "error": {
    "type": "invalid_request_error",
    "code": "invalid_payment_recipient_account",
    "message": "Invalid payment recipient_account: Your organization has collection activated. You must not send recipient account because that is preset for you by Fintoc."
  }
}

To resolve the error, remove recipient_account from the request, or ask Fintoc to enable direct payments for your organization.

Create a direct payment

To create a direct payment, you need to set the recipient_account option when creating a checkout session:

curl --request POST "https://api.fintoc.com/v2/checkout_sessions" \
--header 'Authorization: sk_live_0000000000000000' \
--header 'Content-Type: application/json' \
--data-raw '{
  "amount": 2476,
  "currency": "CLP",
  "payment_method_types":["bank_transfer"],
  "payment_method_options":{
    "bank_transfer":{
      "recipient_account": {
        "holder_id": "111111111",
        "number": "0000000000",
        "type": "checking_account",
        "institution_id": "cl_banco_de_chile"
      }
    }
  }
}
'

Node

const { Fintoc } = require('fintoc');

const fintoc = new Fintoc('YOUR_TEST_API_KEY');

const checkoutSession = await fintoc.v2.checkoutSessions.create({
  amount: 2476,
  currency: 'CLP',
  payment_method_types: ['bank_transfer'],
  payment_method_options: {
    bank_transfer: {
      recipient_account: {
        holder_id: '111111111',
        number: '0000000000',
        type: 'checking_account',
        institution_id: 'cl_banco_de_chile'
      }
    }
  }
});

from fintoc import Fintoc

client = Fintoc('YOUR_TEST_API_KEY')

checkout_session = client.v2.checkout_sessions.create(
    amount=2476,
    currency='CLP',
    payment_method_types=['bank_transfer'],
    payment_method_options={
        'bank_transfer': {
            'recipient_account': {
                'holder_id': '111111111',
                'number': '0000000000',
                'type': 'checking_account',
                'institution_id': 'cl_banco_de_chile'
            }
        }
    }
)

In Chile, the recipient account object is defined by 4 attributes:

Parameter	Example	Explanation
`holder_id`	111111111	Account holder’s RUT
`number`	0000000000	Account number
`type`	checking_account	Type of account. Supported types are `checking_account` and `sight_account`.
`institution_id`	cl_banco_de_chile	Fintoc institution id for the bank receiving the bank transfer. You can see the code for each bank here

Once you set the recipient account in the checkout session, the money arrives directly in the bank account you specify.

Available recipient banks

You can settle a direct payment into an account at any of the institutions listed in Chile institution codes. The recipient-account list is different from the banks your customers can pay from.

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Set up direct payments

Before you begin

Create a direct payment

Available recipient banks

Home

Resources

Payments

Business Accounts

Movements

Skeleton group medium 9

​Before you begin

​Create a direct payment

​Available recipient banks

Before you begin

Create a direct payment

Available recipient banks