Choose your use case

These guides help you choose among five transfer patterns. Each guide explains when to use a pattern, how it works, and which reference pages to read. In Mexico, an Account Number is a standardized Mexican bank account number (CLABE). For API payloads, see Receive transfers and Send transfers. Choose the pattern that matches your goal:

Goal	Pattern	Best for
Receive transfers and automatically identify who paid	Payins on dedicated Account Numbers	Lending, insurance, software as a service, marketplaces
Send money from your Fintoc balance	Payouts to users or suppliers	Loan disbursements, refunds, vendor payments
Give every end user their own balance	Wallet for end users	Neobanks, gig platforms, business-to-business marketplaces
Pay 10 to 5,000 people at once	Payroll or bulk payouts	Monthly payroll, supplier runs
Check Account Number ownership before sending a payout	Verify an Account Number before sending a payout	User-entered destinations, peer-to-peer payments, onboarding

Availability in Chile

The following reconciliation features are available only in Mexico: dedicated Account Numbers per customer, options.min_amount, options.max_amount, CLABE verification, and inbound transfer returns. In Chile, inbound transfers arrive at the default Account Number for the Account. Reconcile inbound transfers using counterparty.holder_id and comment. Each use case page identifies the steps that apply in each country.

Send your first transfer Collect payments with dedicated Account Numbers

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Availability in Chile

​Availability in Chile

Availability in Chile