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Overview

Using Direct Transfer your users can pay by manually transferring funds to a bank account. Once the transfer is complete, Fintoc automatically detects and validates the payment. This method allows you to receive payments from banks, prepaid accounts, and wallets in Chile, and from institutions participating in SPEI in Mexico. It works for both individual and business account types. Direct Transfers is only available when Fintoc collects your payments.

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Available sender banks in Chile

Users can complete Direct Transfers from the following institutions:

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How Fintoc matches a transfer to a payment in Chile

In Chile, Fintoc links each Direct Transfer to a payment intent using the Chilean tax ID (RUT) your user enters in the payment window. When Fintoc receives a transfer, it looks for an in-progress Direct Transfer payment intent where:
  • The RUT of the account holder who sent the transfer matches the RUT entered in the payment window.
  • The transfer amount matches the payment intent amount.
If Fintoc finds a match, the payment intent succeeds and you see the payment in your logs.

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Transfers that Fintoc can’t match

Fintoc can’t link a transfer to a payment intent when:
  • Your user transfers from an account whose holder has a different RUT than the one entered in the payment window. For example, the account of another person or a company.
  • Fintoc has no in-progress payment intent for the sender’s RUT. For example, the payment intent already expired.
  • Your user transfers directly from their bank without starting a payment in your checkout.
In these cases, the payment intent stays unpaid and eventually expires, and the transfer doesn’t appear in your logs. Fintoc automatically refunds the transfer to the origin account. Your user sees the refund in their account as a deposit under Fintoc’s name, usually within 2 to 3 business days.

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What to tell your users

If your user says they paid but you see an expired or unpaid order, tell them that Fintoc refunds the transfer automatically to the origin account. To avoid unmatched transfers, ask your users to:
  1. Always start the payment from your checkout and transfer only when the payment window asks them to.
  2. Enter the RUT of the holder of the account they will transfer from, and transfer only from that account.
  3. Transfer only to the account shown in the payment window, for the exact amount.

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FAQ

Q: What happens if the user transfers a different amount?
A: Fintoc tells your user that the transfer will be refunded and asks them to try again with the correct amount.