Set up direct payments

Direct payments availabilityFor now, direct payments is only available for Chile.

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/v1/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.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.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.

​Create a direct payment

​Available recipient banks

Create a direct payment

Available recipient banks