Reporting and reconciliation

Fintoc’s reports help you understand and reconcile the activity in your account.

Select a report

When using Fintoc’s Payment Initiation API, Fintoc has two reports that provide information about your transactions. Start with the task you’re looking to perform and use the table below to identify the best report.

Task	Suggested Report
- Break down the individual transactions included in each payout to your bank account	Payout reconciliation
- Download daily transaction history - View daily transaction totals	Daily transaction

Payout reconciliation reportThe payout reconciliation report is only available when Fintoc collects payments.

The payout reconciliation report

The Payout reconciliation report shows which transaction is included in a specific payout. This report helps you reconcile each payout you received in your bank account against the transactions included in that batch. Fintoc sends you an email with the payout reconciliation report each time Fintoc makes a payout to your bank account, unless the Settlement email toggle is off. To turn this email on or off, see payout notifications. For the other delivery channels, see automatic report delivery.

Structure

The payout reconciliation report is a comma-delimited CSV file with column headers in the first row. The filename is yyyy-mm-dd-fintoc-payout-<orgname>.csv. For example, if your orgname is “My Company”, the filename is yyyy-mm-dd-fintoc-payout-mycompany.csv. The file contains the following columns:

#	Column	Type	Description
1	`id`	`string`	Unique identifier for the transaction. It is case-sensitive.
2	`created_at`	`string`	Transaction creation date and time, with a UTC offset. Example: `2026-09-30 10:00:00 +0000`.
3	`amount`	`integer`	Gross transaction amount, in the smallest currency unit. Negative for refunds and chargebacks; positive for adjustments that restore a deducted amount.
4	`fee`	`integer`	Transaction fee, in the smallest currency unit. Negative for adjustments that restore a deducted fee; `0` when no fee is deducted.
5	`net_amount`	`integer`	Net transaction amount, in the smallest currency unit. Equals `amount - fee`.
6	`currency`	`string`	Transaction ISO 4217 currency code, in uppercase.
7	`payout_holder_id`	`string`	Tax ID of the payout recipient account holder: Chilean tax ID (RUT) or Mexican tax ID (RFC).
8	`payout_recipient_account`	`string`	The account number the payout was sent to.
9	`payout_recipient_bank`	`string`	The bank the payout was sent to.
10	`resource_type`	`string`	Transaction type: `payment_intent`, `charge`, `refund`, `refund_adjustment`, `chargeback`, or `chargeback_adjustment`.
11	`resource_subtype`	`string`	Payment method for the transaction. The report notes describe when this column appears; the payment method table lists its values.
12	`metadata`	`string`	A JSON string of the transaction metadata.
13	`payout_id`	`string`	Identifier of the payout that includes the transaction.

Report notes:

Amounts use pesos for CLP and centavos for MXN. For example, 10000 represents 10,000 CLP or 100.00 MXN.
The resource_subtype column is present for organizations created after February 16, 2026. It is also present when cash, installment, or card payments are enabled or trialing. Non-bank-transfer payments or refunds also cause the column to appear. Otherwise, the column is omitted, and metadata and payout_id follow resource_type.
Rows for recurring charges leave resource_subtype empty.

Use resource_subtype to split a payout by payment method:

`resource_subtype`	Payment method
`bank_transfer`	Bank transfer.
`credit_card`, `debit_card`, `prepaid_card`, `card`	Card. The value is `card` when the card type is unknown.
`installment`, `installments`	Installments.
`pac`	Pago Automático de Cuentas (PAC).
`cash`	Cash.
`getnet`, `boton_banco_estado`	Payment button, by provider.

Sample

For examples of payments, recurring charges, refunds, chargebacks, and adjustments, open the sample report in Google Sheets or download the CSV. The sample uses fictitious data. The inline CSV example uses fictitious data and includes all 13 columns, including resource_subtype and payout_id. It covers every payment method value in the table, a recurring charge, and a refund. Group rows by payout_id to reconcile each payout. The payment and refund rows total 102,700 CLP; the recurring charge belongs to a separate payout of 11,760 CLP.

2026-10-01-fintoc-payout-example.csv

id,created_at,amount,fee,net_amount,currency,payout_holder_id,payout_recipient_account,payout_recipient_bank,resource_type,resource_subtype,metadata,payout_id
pi_a1b2c3d4-e5f6-4a7b-8c9d-012345678901,2026-09-30 10:00:00 +0000,10000,200,9800,CLP,000000000,000000001,cl_banco_bice,payment_intent,bank_transfer,"{""order_id"":""order_001""}",po_9b8a7c6d-5e4f-4321-8abc-012345678901
pi_a1b2c3d4-e5f6-4a7b-8c9d-012345678902,2026-09-30 10:05:00 +0000,10000,200,9800,CLP,000000000,000000001,cl_banco_bice,payment_intent,credit_card,"{""order_id"":""order_002""}",po_9b8a7c6d-5e4f-4321-8abc-012345678901
pi_a1b2c3d4-e5f6-4a7b-8c9d-012345678903,2026-09-30 10:10:00 +0000,10000,200,9800,CLP,000000000,000000001,cl_banco_bice,payment_intent,debit_card,"{""order_id"":""order_003""}",po_9b8a7c6d-5e4f-4321-8abc-012345678901
pi_a1b2c3d4-e5f6-4a7b-8c9d-012345678904,2026-09-30 10:15:00 +0000,10000,200,9800,CLP,000000000,000000001,cl_banco_bice,payment_intent,prepaid_card,"{""order_id"":""order_004""}",po_9b8a7c6d-5e4f-4321-8abc-012345678901
pi_a1b2c3d4-e5f6-4a7b-8c9d-012345678905,2026-09-30 10:20:00 +0000,10000,200,9800,CLP,000000000,000000001,cl_banco_bice,payment_intent,card,"{""order_id"":""order_005""}",po_9b8a7c6d-5e4f-4321-8abc-012345678901
pi_a1b2c3d4-e5f6-4a7b-8c9d-012345678906,2026-09-30 10:25:00 +0000,10000,200,9800,CLP,000000000,000000001,cl_banco_bice,payment_intent,installment,"{""order_id"":""order_006""}",po_9b8a7c6d-5e4f-4321-8abc-012345678901
pi_a1b2c3d4-e5f6-4a7b-8c9d-012345678907,2026-09-30 10:30:00 +0000,10000,200,9800,CLP,000000000,000000001,cl_banco_bice,payment_intent,installments,"{""order_id"":""order_007""}",po_9b8a7c6d-5e4f-4321-8abc-012345678901
pi_a1b2c3d4-e5f6-4a7b-8c9d-012345678908,2026-09-30 10:35:00 +0000,10000,200,9800,CLP,000000000,000000001,cl_banco_bice,payment_intent,pac,"{""order_id"":""order_008""}",po_9b8a7c6d-5e4f-4321-8abc-012345678901
pi_a1b2c3d4-e5f6-4a7b-8c9d-012345678909,2026-09-30 10:40:00 +0000,10000,200,9800,CLP,000000000,000000001,cl_banco_bice,payment_intent,cash,"{""order_id"":""order_009""}",po_9b8a7c6d-5e4f-4321-8abc-012345678901
pi_a1b2c3d4-e5f6-4a7b-8c9d-012345678910,2026-09-30 10:45:00 +0000,10000,200,9800,CLP,000000000,000000001,cl_banco_bice,payment_intent,getnet,"{""order_id"":""order_010""}",po_9b8a7c6d-5e4f-4321-8abc-012345678901
pi_a1b2c3d4-e5f6-4a7b-8c9d-012345678911,2026-09-30 10:50:00 +0000,10000,200,9800,CLP,000000000,000000001,cl_banco_bice,payment_intent,boton_banco_estado,"{""order_id"":""order_011""}",po_9b8a7c6d-5e4f-4321-8abc-012345678901
ch_2f3e4d5c-6b7a-4890-8abc-012345678901,2026-09-30 11:00:00 +0000,12000,240,11760,CLP,000000000,000000001,cl_banco_bice,charge,,"{""invoice_id"":""invoice_001""}",po_9b8a7c6d-5e4f-4321-8abc-012345678902
ref_7e6d5c4b-3a2f-4109-8abc-012345678901,2026-09-30 12:00:00 +0000,-5000,100,-5100,CLP,000000000,000000001,cl_banco_bice,refund,bank_transfer,"{""order_id"":""order_001""}",po_9b8a7c6d-5e4f-4321-8abc-012345678901

Daily transaction report

Delivery schedules

The daily transaction report can be scheduled for delivery on two schemes: banking cut-off time and chronological day cut-off time. Configured schedules have two effects:

They change the day and hour that reports are delivered.
They change the time window of data that each file contains.

Delivery schedule	Available country	Description
chronological day	Chile Mexico	The report will be delivered every day without exception. The file will contain data from a single day from 00:00 to 23:59. Files will be delivered between 00:20 and 01:20.
banking day	Chile	The report will be delivered according to Chile’s banking cut-off time, which is business days at 14:00. Therefore, data for a specific day will be between 14:00 and 13:59 of the next business day. Files will be delivered on business days between 14:20 and 15:20. For example, holidays aside, a report received on a Wednesday will contain data from Tuesday at 14:00 until Wednesday at 13:59. Another example is that a report received on Monday will contain data from the previous Friday at 14:00 until Monday at 13:59. If that Friday happens to be a holiday, the data window will be even larger (it would start on Thursday at 14:00).

Structure

The daily transaction report is a semicolon-delimited CSV file in which the first row is column headers. The filename is yyyy-mm-dd-daily-summary-fintoc-<orgname>.csv. For example, if your orgname is “My Company” the filename will be yyyy-mm-dd-daily-summary-fintoc-mycompany.csv. The file contains the following columns:

#	Column	Type	Description
1	`created_at`	`string`	The Payment’s creation date, in ISO 8601 format.
2	`payment_id`	`string`	Unique identifier for the payment. It is case-sensitive.
3	`id_given_by_sender_institution`	`string`	Operation number from the bank of the sender account.
4	`updated_at`	`string`	The Payment update date, in ISO 8601 format.
5	`amount`	`integer`	Amount of the payment, in cents.
6	`currency`	`string`	The payment currency ISO code
7	`sender_institution_id`	`string`	The bank that initiated the payment.
8	`sender_institution_cmf_code`	`string`	The CMF code of the bank that initiated the payment. In Mexico is empty.
9	`sender_account_number`	`string`	The account number that initiated the payment.
10	`sender_account_type`	`string`	The sender account type.
11	`sender_holder_id`	`string`	Identifier of the owner of the bank account that initiated the payment. In Chile, it is a RUT and in Mexico it is an RFC.
12	`sender_name`	`string`	The name of the owner of the bank account that initiated the payment. It can be empty.
13	`recipient_holder_id`	`string`	Identifier of the owner of the bank account that received the payment. In Chile, it is a RUT and in Mexico it is an RFC.
14	`recipient_account_number`	`string`	The account number that received the payment.
15	`recipient_institution_id`	`string`	The bank that received the payment.
16	`organization_name`	`string`	Your organization name in Fintoc’s system.
17	`metadata`	`string`	A JSON string of the transaction metadata.

Sample

For an example of the included data, download a sample of the daily transaction report.

Tax documents in Chile

Fintoc’s reports help you reconcile your sales, but Fintoc doesn’t report every payment to the Servicio de Impuestos Internos (SII) on your behalf. What Fintoc reports depends on the payment method:

Payment method	Reported to the SII by Fintoc	What you need to do
Bank transfer	No	Issue the tax documents (for example, boletas or facturas) for these sales and report them to the SII yourself.
Card (credit, debit, or prepaid)	Yes	No action needed for reporting these payments.

To find the sales you need to document, filter the payout reconciliation report by resource_subtype.

Available delivery channels

Instead of manually downloading files from the Dashboard, reports can be scheduled for automatic delivery via different channels. If configured, reports will be delivered periodically so that each file contains data for a specific time interval.

Email

Files can be automatically delivered to an email of your choice. The subject of the sent emails is also configurable. For instance, it is common to include the date of a given report on the subject for easier identification. Use the operational email in the Communication tab in Settings to set the recipient. Turn the payout email on or off with the Settlement email toggle. See payout notifications. To configure the subject, contact our sales team.

SFTP

Use Fintoc’s SFTP server to receive reports and automate file extraction.

Connecting to the SFTP server

Use the following information to connect to Fintoc’s SFTP server:

Host: sftp.fintoc.com
Port: 80
Username: your organization’s ID. It starts with org_
Password: the password provided by your Account Executive.

For access credentials, get in touch with our sales team.

Reports path

Fintoc uploads each report in the following paths:

Report	File path
Payout reconciliation	`OUT/payout/<mode>/yyyy-mm-dd-fintoc-payout-<orgname>.csv`
Daily transaction	`OUT/daily_summary/<mode>/yyyy-mm-dd-daily-summary-fintoc-<orgname>.csv`

Where <mode> can be either live or test.

​Select a report

​The payout reconciliation report

​Structure

​Sample

​Daily transaction report

​Delivery schedules

​Structure

​Sample

​Tax documents in Chile

​Available delivery channels

​Email

​SFTP

​Connecting to the SFTP server

​Reports path

Select a report

The payout reconciliation report

Structure

Sample

Daily transaction report

Delivery schedules

Structure

Sample

Tax documents in Chile

Available delivery channels

Email

SFTP

Connecting to the SFTP server

Reports path