Payment links - Fintoc

With Payment Links you can accept payments without building a website or application. Create a Payment Link using our API and share it with your customers through email or WhatsApp.

Create a Payment Link

Using your Secret Key, create a payment link from your backend with the amount and currency:

curl --request POST "https://api.fintoc.com/v1/payment_links" \
--header 'Authorization: sk_test_0000000000000000' \
--header 'Content-Type: application/json' \
--data-raw '{
  "amount": 120900,
  "currency": "CLP",
  "expires_after_seconds": 86400,
  "customer_email": "customer@example.com",
  "checkout": {
    "description": "Use this field to add a custom description of the product the customer is buying"
  },
  "metadata": {
    "your_order_id": "10000"
  },
  "recipient_account": {
    "holder_id": "111111111",
    "number": "0000000000",
    "type": "checking_account",
    "institution_id": "cl_banco_de_chile"
  },
  "business_profile": {
    "name": "Merchant Name",
    "category": "009613",
    "tax_id": "222222222"
  }
}'

Currencies represented as integersThe Fintoc API represents currencies in its smallest possible units with no decimals (as an integer). That means that an amount of MXN 247.50 gets represented by Fintoc as 24750. You can read more about currencies here.

The parameters customer_email, checkout, metadata and business_profile are optional. Some of the optional parameters you can use to create your payment link are:

Optional parameters	Type	Description
`expires_after_seconds`	`integer`	The number of seconds after which the payment link will expire. By default, a payment link will not expire.
`customer_email`	`string`	If a customer email is set, Fintoc will send the customer an email in case of a refund.
`checkout`	`dictionary`	Customize the checkout for your customers. For now, you can only add a custom description alongside the buy button.
`metadata`	`hash`	Set of key-value pairs that you can attach to the payment link. This can be useful for storing additional information that you can use to reconcile the payment with your internal systems.
`recipient_account`	`object`	The recipient account object must be included if your organization uses Direct Payments.
`business_profile`	`object`	Object to identify enrolled merchants for category-based pricing.

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

For a complete list of parameters, check the Payment Link API. Each payment link contains a url that you can share with your customers through email, WhatsApp, or through other channels.

{
  "id": "plink_K2zwNNSxPyx8w3GZ",
  "object": "payment_link",
  "amount": 120900,
  "currency": "CLP",
  "status": "active",
  "created_at": "2024-08-02T20:28:13Z",
  "expires_at": "2024-08-02T21:28:13Z",
  "mode": "test",
  "url": "https://pay.fintoc.com/plink_K2zwNNSxPyx8w3GZ",
  "customer_email": "customer@example.com",
  "checkout": {
    "description": "Use this field to add a custom description of the product the customer is buying"
  },
  "metadata": {
    "your_order_id": "10000"
  },
  "recipient_account": {
    "holder_id": "111111111",
    "number": "0000000000",
    "type": "checking_account",
    "institution_id": "cl_banco_de_chile"
  },
	"business_profile": {
  	"name":"Merchant Name",
    "category": "009613",
    "tax_id": "222222222"
  }
}

Offer cash payments in Mexico

If your organization has cash payments enabled, your MXN Payment Links offer cash automatically. You don’t need to send any extra parameter when you create the link. Your customer sees a Paga en efectivo option next to the other payment methods, with the logos of the stores that accept the link’s amount. After choosing it, your customer generates a voucher with the reference to pay at the store. Fintoc hides the cash option when:

No store accepts the Payment Link’s amount.
Your organization’s checkout session lasts less than the time your customer needs to pay in cash.

Track payments

When customers use a payment link to complete a payment, Fintoc sends a payment_intent.succeeded webhook that you can use for fulfillment and reconciliation. This webhook will contain the metadata keys you used to create the payment link. For more information, see our guide on how to complete the payment on your backend. In the case of payment links, we recommend you to only listen for payment_intent.succeeded events. You can also see successful payments using our Dashboard.

Cancel a Payment Link

You can cancel a payment link using the cancel endpoint:

curl --request PATCH \
     --url https://api.fintoc.com/v1/payment_links/plink_K2zwNNSxPyx8w3GZ/cancel \
     --header 'Authorization: sk_test_0000000000000000' \
     --header 'accept: application/json'

After you cancel a payment link, customers can’t finalize purchases using the link anymore and are redirected to an expiration page.

​Create a Payment Link

​Share your Payment Link

​Offer cash payments in Mexico

​Track payments

​Cancel a Payment Link

Create a Payment Link

Share your Payment Link

Offer cash payments in Mexico

Track payments

Cancel a Payment Link