# Fintoc Documentation

> Documentation for Fintoc

## Guides
- [Welcome 👋](https://docs.fintoc.com/docs/welcome.md)
- [Currencies](https://docs.fintoc.com/docs/currencies.md)
- [Changes to the API](https://docs.fintoc.com/docs/changes.md): Track changes and upgrades to the Fintoc API
- [API Keys](https://docs.fintoc.com/docs/api-keys.md)
- [API rate limits](https://docs.fintoc.com/docs/api-rate-limits.md): How Fintoc applies rate limits to API and Widget requests, and how to handle `429 Too Many Requests` responses.
- [Get your Fintoc account's secret key and public key](https://docs.fintoc.com/docs/guides-api-keys.md)
- [Permission roles](https://docs.fintoc.com/docs/permission-roles.md): Fintoc's dashboard contains sensitive information and lets your organization move money. Fintoc provides a granular permission system so administrators control exactly which information and actions each user can access.
- [Test mode](https://docs.fintoc.com/docs/test-mode.md): Use test mode to test your Fintoc integration before going live.
- [Building with AI](https://docs.fintoc.com/docs/building-with-ai.md): Use AI tools in your Fintoc integration workflow.
- [Model Context Protocol (MCP)](https://docs.fintoc.com/docs/model-context-protocol-mcp.md): Let your AI agents interact with the Fintoc API by using our MCP server.
- [Agent Skills](https://docs.fintoc.com/docs/agent-skills.md): Install Fintoc's Agent Skills to give your coding agent context for building with Fintoc.
- [SDKs and Integrations](https://docs.fintoc.com/docs/libraries-and-integrations.md): Libraries and tools for interacting with your Fintoc integration.
- [Connect your bank account to Zapier](https://docs.fintoc.com/docs/libraries-and-integrations-zapier.md): Connect your bank account to more than 2000 apps through Zapier
- [Widget](https://docs.fintoc.com/docs/widget.md): Use the Widget to connect your users' bank accounts with Fintoc
- [Web Integration](https://docs.fintoc.com/docs/web-integration.md): Reference to integrate the Widget on your web application or web page
- [Integrate the Widget as a WebView](https://docs.fintoc.com/docs/webview.md): Reference to integrate the Widget as a WebView on your mobile application
- [Listen to Widget events](https://docs.fintoc.com/docs/widget-events.md)
- [Webhooks](https://docs.fintoc.com/docs/webhooks-walkthrough.md)
- [Create your webhook endpoint](https://docs.fintoc.com/docs/webhooks-creating-guide.md)
- [Test your webhook endpoint](https://docs.fintoc.com/docs/webhooks-testing.md)
- [Validate the signature of your Webhook Endpoint](https://docs.fintoc.com/docs/webhooks-validating.md)
- [Activate your webhook endpoint](https://docs.fintoc.com/docs/webhooks-activating.md)
- [Webhooks best practices](https://docs.fintoc.com/docs/webhooks-good-practices.md): Implement these best practices when using webhooks.
- [Fintoc CLI](https://docs.fintoc.com/docs/cli.md): Use the command line to manage your Fintoc resources during development.
- [Install the Fintoc CLI](https://docs.fintoc.com/docs/install-the-fintoc-cli.md): Install the Fintoc CLI on macOS or Linux.
- [Fintoc CLI keys](https://docs.fintoc.com/docs/fintoc-cli-keys-and-permissions.md): Learn how the Fintoc CLI resolves API keys, where they're stored, and how to switch between them.
- [Use the Fintoc CLI](https://docs.fintoc.com/docs/use-the-fintoc-cli.md): Build, test, and manage your Fintoc integration from the command line.
- [Overview](https://docs.fintoc.com/docs/overview-payment-initiation.md)
- [Quickstart](https://docs.fintoc.com/docs/quickstart-payments.md): Try the Checkout Session API in less than 10 minutes
- [Countries and Institutions](https://docs.fintoc.com/docs/payment-initiation-countries-and-institutions.md)
- [Transaction limits](https://docs.fintoc.com/docs/transaction-limits.md)
- [Payment scenarios](https://docs.fintoc.com/docs/payments-use-cases.md): Learn how Fintoc supports your use case
- [Accept a payment](https://docs.fintoc.com/docs/accept-a-payment.md): Accept one-time payments in CLP or MXN through a Fintoc-hosted checkout page
- [Save a customer's payment method for future payments](https://docs.fintoc.com/docs/save-a-paymentmethod-of-a-customer-for-future-payments.md): Use Fintoc's Checkout Session API to save a customer's payment method so their next payments take fewer steps.
- [Accept a one-click payment with Apple Pay](https://docs.fintoc.com/docs/accept-a-one-click-payment-with-apple-pay.md): Learn how to use the Fintoc Express Checkout to accept one-click Apple Pay payments
- [Accept recurring payments](https://docs.fintoc.com/docs/accept-recurring-payments.md): Enroll a customer into a fixed-amount recurring subscription with Fintoc's Checkout Session API.
- [Save a payment method for future charges](https://docs.fintoc.com/docs/setup-a-payment-method-for-future-charges.md): Save a customer's payment method with a setup Checkout Session, then charge it on demand with the Payment Intent API.
- [Fintoc collects](https://docs.fintoc.com/docs/fintoc-collect-payments.md): Learn about how to handle typical use cases when Fintoc collects the payments on your behalf.
- [Receiving payouts](https://docs.fintoc.com/docs/payment-initiation-receiving-payouts.md): Set up your bank account to receive payouts.
- [Refund payments](https://docs.fintoc.com/docs/payment-initiation-refunds.md): Learn how to refund a payment.
- [Handling payment exceptions](https://docs.fintoc.com/docs/dealing-with-payment-exceptions.md)
- [Reporting and reconciliation](https://docs.fintoc.com/docs/payment-initiation-reporting-and-reconciliation.md): Get the data you need to complete your accounting and reconciliation workflows.
- [Checking payment eligibility](https://docs.fintoc.com/docs/check-payment-eligibility.md)
- [Direct payments](https://docs.fintoc.com/docs/direct-payments.md): Learn about how to handle typical use cases when using Fintoc for direct payments.
- [Setup direct payments](https://docs.fintoc.com/docs/setup-direct-payment.md): Learn how to set the recipient account in your payment.
- [Handling payment exceptions](https://docs.fintoc.com/docs/dealing-with-payment-exceptions-2.md)
- [Reporting and reconciliation](https://docs.fintoc.com/docs/reporting-and-reconciliation.md): Get the data you need to complete your accounting and reconciliation workflows.
- [Checking payment eligibility](https://docs.fintoc.com/docs/check-payment-eligibility-direct-payments.md)
- [Checkout UX Guidelines](https://docs.fintoc.com/docs/checkout-ux-guidelines.md)
- [Chile Guidelines](https://docs.fintoc.com/docs/chile.md)
- [Mexico Guidelines](https://docs.fintoc.com/docs/mexico.md)
- [Direct Transfer](https://docs.fintoc.com/docs/direct-transfer.md): Accept payments sent by a direct transfer from your user.
- [Payment Links](https://docs.fintoc.com/docs/payment-links.md): Accept payments easily without code.
- [Test your integration](https://docs.fintoc.com/docs/payment-initiation-test-your-integration.md): Simulate payments to test your integration.
- [Go-Live Checklist](https://docs.fintoc.com/docs/go-live-checklist.md): Use this checklist to ensure a smooth transition to Live Mode
- [Fintoc fees](https://docs.fintoc.com/docs/fintoc-fees.md): Learn how Fintoc calculates fees for our Payment Initiation product.
- [E-commerce Plugins](https://docs.fintoc.com/docs/e-commerce-connectors.md)
- [VTEX](https://docs.fintoc.com/docs/vtex.md): Accept payments using Fintoc’s plugin in your VTEX store.
- [Shopify](https://docs.fintoc.com/docs/shopify.md): Accept payments using Fintoc’s app in your Shopify store.
- [Magento](https://docs.fintoc.com/docs/magento.md): Accept payments using Fintoc’s app in your Magento store.
- [WooCommerce](https://docs.fintoc.com/docs/woocommerce.md): Accept bank transfer and card payments using Fintoc's plugin in your WooCommerce store.
- [Cash Payments (Mexico Only)](https://docs.fintoc.com/docs/cash-payment-direct-api.md): Learn how to use the Payment Intent API to create a Cash Payment
- [Buy Now Pay Later (Chile Only)](https://docs.fintoc.com/docs/buy-now-pay-later.md): Learn how to use the Checkout Session API to create a Buy Now Pay Later payment
- [Transfers overview](https://docs.fintoc.com/docs/transfers-overview.md): Programmatically receive, send, and reconcile bank transfers.
- [Entity](https://docs.fintoc.com/docs/entity-data-model.md)
- [Account](https://docs.fintoc.com/docs/v2-transfers-account-data-model.md)
- [Account Number](https://docs.fintoc.com/docs/v2-transfers-account-number-data-model.md)
- [Transfer](https://docs.fintoc.com/docs/v2-transfers-data-model.md)
- [Movements](https://docs.fintoc.com/docs/movement.md)
- [Send your first transfer](https://docs.fintoc.com/docs/transfers-quickstart.md): Send your first test transfer, from API keys to a webhook subscription.
- [Pick your use case](https://docs.fintoc.com/docs/transfers-use-cases.md): Configure Fintoc Transfers for five business scenarios, from dedicated Account Numbers to bulk payouts.
- [Payins on dedicated Account Numbers](https://docs.fintoc.com/docs/collect-payments-with-dedicated-account-numbers.md)
- [Send payouts to users or suppliers](https://docs.fintoc.com/docs/send-payouts-to-users-or-suppliers.md)
- [Wallet for end users](https://docs.fintoc.com/docs/run-a-wallet-for-end-users.md)
- [Payroll or bulk payouts](https://docs.fintoc.com/docs/run-payroll-or-bulk-payouts.md)
- [Verify a CLABE before payout](https://docs.fintoc.com/docs/verify-a-clabe-before-paying-out.md)
- [Setup](https://docs.fintoc.com/docs/transfers-setup.md): Configure signing keys, test your integration, and set the controls that protect your transfers.
- [Generate JWS Keys](https://docs.fintoc.com/docs/setting-up-jws-keys.md): Sign Transfers API calls that move money with a JSON Web Signature.
- [Test your integration](https://docs.fintoc.com/docs/test-your-integration.md): Simulate transfers to test your integration.
- [Security Controls](https://docs.fintoc.com/docs/security-controls.md)
- [Receive transfers](https://docs.fintoc.com/docs/inbound-transfers.md): Automatically track and reconcile your incoming payments in real time.
- [Return a Transfer](https://docs.fintoc.com/docs/returning-an-inbound-transfer.md): Automatically return a transfer based on your business logic.
- [Add logic to Account Numbers](https://docs.fintoc.com/docs/add-logic-to-clabes.md): Reject all transfers directed to any specific Account Number.
- [Manage your Account Numbers](https://docs.fintoc.com/docs/manage-your-clabes.md): As your integration grows, you may accumulate Account Numbers that are no longer receiving payments. Fintoc provides tools to identify inactive Account Numbers, delete them, and automatically free quota.
- [Send transfers](https://docs.fintoc.com/docs/outbound-transfers.md): Initiate real-time payments using our outbound Transfers API
- [Verify CLABEs](https://docs.fintoc.com/docs/verify-clabes.md): Verify an account holder's information before sending them a full payout
- [Batch Transfers](https://docs.fintoc.com/docs/batch-transfers.md): Load, authorize and execute multiple transfers at once.
- [Manage your Accounts](https://docs.fintoc.com/docs/manage-accounts.md)
- [Create more accounts](https://docs.fintoc.com/docs/creating-more-accounts.md): Create more accounts for your Entity or a third party to track different balances in your organization.
- [Onboard an Entity by API](https://docs.fintoc.com/docs/onboard-an-entity-by-api.md): Create an `Entity` for your client and run its Know Your Customer (KYC) review end to end by API, without the Dashboard.
- [Get Account Statements](https://docs.fintoc.com/docs/account-statements.md)
- [Overview](https://docs.fintoc.com/docs/overview-data-aggregation.md): Get banking data from your customers' financial institutions
- [Welcome 👋](https://docs.fintoc.com/docs/quickstart.md): Try the Fintoc API in less than 5 minutes
- [Products and Institutions](https://docs.fintoc.com/docs/products-and-institutions-movements.md)
- [Integration Flow](https://docs.fintoc.com/docs/integration-with-exchange-token.md)
- [Test your integration](https://docs.fintoc.com/docs/data-aggregation-test-your-integration.md): Use test credentials to try your integration.
- [Refreshing on demand](https://docs.fintoc.com/docs/refresh-intents-walkthrough.md)
- [Create a Refresh Intent](https://docs.fintoc.com/docs/refresh-intents-creating.md)
- [Open the widget for Refresh Intents](https://docs.fintoc.com/docs/refresh-intents-widget.md)
- [Wait for the results using a Webhook Endpoint](https://docs.fintoc.com/docs/refresh-intents-webhook.md)
- [Request the new movements](https://docs.fintoc.com/docs/refresh-intents-new-movements.md)
- [Errors](https://docs.fintoc.com/docs/refresh-intents-errors.md)
- [Create a banking Link from the dashboard](https://docs.fintoc.com/docs/guides-banking-link-from-dashboard.md)
- [Get bank movements](https://docs.fintoc.com/docs/guides-bank-movements.md)
- [Fiscal Links](https://docs.fintoc.com/docs/fiscal-links.md): Get fiscal data from your customers financial institutions
- [Document types](https://docs.fintoc.com/docs/document-types.md): Document types brought from your financial institutions
- [UX Guidelines](https://docs.fintoc.com/docs/ux-guidelines-1.md)

## API Reference
- [Pagination](https://docs.fintoc.com/reference/pagination.md)
- [Metadata](https://docs.fintoc.com/reference/metadata.md): Add custom data to your Fintoc Objects
- [Idempotent requests](https://docs.fintoc.com/reference/idempotent-requests.md): Safely retry POST requests
- [Error object](https://docs.fintoc.com/reference/errors-object.md)
- [Chile institution codes](https://docs.fintoc.com/reference/chile-institution-codes.md)
- [Types of events](https://docs.fintoc.com/reference/types-of-events.md)
- [Webhook endpoint object](https://docs.fintoc.com/reference/webhook-endpoints-object.md)
- [List webhook endpoints](https://docs.fintoc.com/reference/webhook-endpoints-list.md): Lists the webhook endpoints of your organization for the `live` or `test` mode of the API key used. Deleted endpoints are not returned, and `secret` is always `null` outside creation.
- [Get a webhook endpoint](https://docs.fintoc.com/reference/webhook-endpoints-get.md): Retrieves a webhook endpoint by its `id`. Only endpoints matching the `live` or `test` mode of the API key are visible; deleted endpoints return a `404 Not Found` error. `secret` is always `null` outside creation.
- [Institutions](https://docs.fintoc.com/reference/institutions.md)
- [Institutions object](https://docs.fintoc.com/reference/institutions-object.md)
- [The Payment Intent object](https://docs.fintoc.com/reference/payment-intents-object.md)
- [Payment intent error reason](https://docs.fintoc.com/reference/payment-intent-error-reason.md)
- [Create a payment intent](https://docs.fintoc.com/reference/payment-intents-create.md): Creates a payment intent that charges a previously saved payment method, in the `live` or `test` mode of the API key used. Unlike `POST /v1/payment_intents`, which starts a customer-present flow completed through the Fintoc widget, this endpoint charges the `payment_method` directly, with no customer interaction and no widget token. This endpoint does not accept v1-only parameters such as `recipient_account`, `customer_email`, `payment_type`, or `expires_at`. The charge starts in the `created` status; Fintoc processes the charge asynchronously, so subscribe to webhooks to track the charge's progress. Available for organizations on API version `2026-02-01` or later.
- [Get a payment intent](https://docs.fintoc.com/reference/payment-intents-get.md): Retrieves the payment intent with the given `id`. The payment intent must belong to your organization and match the `live` or `test` mode of the API key used. Available for organizations on API version `2026-02-01` or later.
- [List payment intents](https://docs.fintoc.com/reference/payment-intents-list.md): Returns the payment intents of your organization, in the `live` or `test` mode of the API key used, sorted by creation date with the most recent first. Unlike `GET /v1/payment_intents`, which uses page-based pagination (`page` and `per_page`) and supports `since`, `until`, and `status` filters, this endpoint uses cursor-based pagination. Use `limit` to set the page size and the `starting_after` or `ending_before` cursors to move between pages. The `Link` response header contains the URL of the next page. Available for organizations on API version `2026-02-01` or later.
- [Check payment eligibility](https://docs.fintoc.com/reference/payment-intents-check-eligibility.md): Checks whether a payment for the given amount and sender account passes the transfer limits that banks and Fintoc enforce, without creating a payment intent. Only available for CLP payments. Available for organizations on API version `2026-02-01` or later.
- [Payment method object](https://docs.fintoc.com/reference/payment-method-object.md): Payment Methods represent your customers' payment instruments. You can use them to collect payments on demand or add them to subscriptions to automate recurring payments.
- [List payment methods](https://docs.fintoc.com/reference/payment-methods-list.md): Lists the payment methods of your organization for the mode (`live` or `test`) of the API key used, sorted by most recently created first. Use `customer` to narrow the list to a single customer, and the cursor parameters (`starting_after`, `ending_before`) together with `limit` to paginate. The `Link` response header contains the URL of the next page. Each payment method exposes its details under a key named after its `type` (`bank_transfer`, `card`, or `pac`).
- [Get a payment method](https://docs.fintoc.com/reference/payment-methods-get.md): Retrieves a payment method by its `id`. Only payment methods of your organization matching the `live` or `test` mode of the API key are visible; anything else returns a `404 Not Found` error. The payment method exposes its details under a key named after its `type` (`bank_transfer`, `card`, or `pac`); that key is `null` when the resource backing the payment method is no longer available.
- [The Setup Intent object](https://docs.fintoc.com/reference/setup-intents-object.md)
- [Setup intent error reason](https://docs.fintoc.com/reference/setup-intent-error-reason.md)
- [Get a setup intent](https://docs.fintoc.com/reference/setup-intents-get.md): Retrieves the setup intent with the given `id`. The setup intent must belong to your organization and match the `live` or `test` mode of the API key used.
- [The Customer object](https://docs.fintoc.com/reference/customer-object.md)
- [Create a customer](https://docs.fintoc.com/reference/customers-create.md): Creates a customer in the `live` or `test` mode of the API key used. At least one of `email` or `tax_id` must be provided; every other field is optional. If a `tax_id` is provided, both its `type` and `value` are required. Values are normalized before being stored: `email` and `address.country` are lowercased, dots and hyphens are stripped from RUTs, and RFCs are uppercased.
- [List customers](https://docs.fintoc.com/reference/customers-list.md): Lists the customers of your organization for the `live` or `test` mode of the API key used. Customers are returned sorted by creation date, with the most recently created customers appearing first. Use `limit` together with the `starting_after` and `ending_before` cursors to paginate the results. The `Link` response header contains the URL of the next page when more results are available.
- [Get a customer](https://docs.fintoc.com/reference/customers-get.md): Retrieves the customer with the given `id`. Only customers created in the `live` or `test` mode of the API key used are visible. Requesting a customer from the other mode returns a `404 Not Found` error.
- [Subscription object](https://docs.fintoc.com/reference/subscription-object.md)
- [List subscriptions](https://docs.fintoc.com/reference/subscriptions-list.md): Lists the subscriptions of your organization for the `live` or `test` mode of the API key used, with their subscription items included. The list is paginated with cursors: use the `Link` response header or the `starting_after` and `ending_before` query parameters to navigate between pages.
- [Get a subscription](https://docs.fintoc.com/reference/subscriptions-get.md): Retrieves a subscription by its `id`, with its subscription items included. Only subscriptions of your organization matching the `live` or `test` mode of the API key used are visible.
- [Create a subscription](https://docs.fintoc.com/reference/subscriptions-create.md): Creates a subscription that bills a customer on a recurring cadence, in the `live` or `test` mode of the API key used. Each item defines its price through `price_data`, referencing an existing product (`product`) or defining one inline (`product_data`). All items must share a compatible currency (`CLF` items bill alongside `CLP`) and the same recurring `interval` and `interval_count`. A subscription can have up to 10 items. Fintoc charges each subscription automatically using `payment_method`, so the `collection_method` is always `charge_automatically`. Without `trial_end`, Fintoc sets the `billing_cycle_anchor` to the creation time and finalizes an initial invoice immediately. The subscription starts `incomplete` and becomes `active` once that first payment succeeds. For a zero-amount subscription, Fintoc marks the initial invoice paid and the subscription starts `active`. With `trial_end`, the subscription's status is `trialing`. Fintoc sets the `billing_cycle_anchor` to the trial end and generates the first invoice when the trial ends.
- [Update a subscription](https://docs.fintoc.com/reference/subscriptions-update.md): Updates a subscription's trial period. Provide `trial_end` to set when the trial ends and the first paid billing period begins. `trial_end` must be at least one day in the future. Fintoc aligns the subscription's `billing_cycle_anchor` to `trial_end` and sets its `status` to `trialing` until then. Canceled subscriptions cannot be updated.
- [Cancel a subscription](https://docs.fintoc.com/reference/subscriptions-cancel.md): Cancels a subscription immediately. Canceled subscriptions stop generating invoices, and the cancellation does not affect invoices already issued. Canceling an already canceled subscription does nothing and returns the subscription unchanged.
- [The Subscription Item object](https://docs.fintoc.com/reference/subscription-item-object.md)
- [Create a subscription item](https://docs.fintoc.com/reference/subscription-items-create.md): Adds an item to an existing subscription. Fintoc creates a new price from `price_data`, referencing an existing product (`product`) or defining one inline (`product_data`). The new price must use a currency compatible with the subscription's existing items (a `CLF` price bills within a `CLP` subscription) and the same recurring `interval`. Fintoc bills the item starting from the subscription's next invoice and does not prorate the current billing period.
- [Update a subscription item](https://docs.fintoc.com/reference/subscription-items-update.md): Updates an item of a subscription. Pass `quantity` to change the number of units, and `price_data` to replace the item's price with a newly created one. When the subscription has other items, the new price must use a currency compatible with theirs (a `CLF` price bills within a `CLP` subscription) and the same recurring `interval`. You can replace the price of a subscription's only item with any currency. Changes take effect on the subscription's next invoice, with no proration for the current billing period.
- [Delete a subscription item](https://docs.fintoc.com/reference/subscription-items-delete.md): Removes an item from a subscription and returns the deleted item. Fintoc stops billing the item from the subscription's next invoice, with no proration for the current billing period. A subscription must keep at least one item, so its last item cannot be deleted.
- [The Invoice object](https://docs.fintoc.com/reference/invoice-object.md)
- [List invoices](https://docs.fintoc.com/reference/invoices-list.md): Lists the invoices of your organization for the `live` or `test` mode of the API key used, sorted by creation date with the most recent first. Use `subscription` to narrow the list to the invoices generated by a single subscription, and the cursor parameters to paginate through the results.
- [Get an invoice](https://docs.fintoc.com/reference/invoices-get.md): Retrieves an invoice by its `id`. Only invoices of your organization that match the `live` or `test` mode of the API key are visible.
- [Add invoice lines](https://docs.fintoc.com/reference/invoices-add-lines.md): Appends one or more line items to a draft invoice and recalculates the invoice total. The invoice must be in `draft` status and every line item must use the invoice currency. If any line item is invalid, the whole request fails and no line item is added.
- [Remove invoice lines](https://docs.fintoc.com/reference/invoices-remove-lines.md): Removes one or more line items from a draft invoice and recalculates the invoice total. Pass the `id` of every line item to remove. If any `id` does not belong to a line item of the invoice, the whole request fails and no line item is removed. The invoice must be in `draft` status.
- [Invoice line item object](https://docs.fintoc.com/reference/invoice-line-item-object.md)
- [Update an invoice line item](https://docs.fintoc.com/reference/invoice-lines-update.md): Updates a line item of a draft invoice and recalculates the invoice total. All body fields are optional; send only the fields you want to change. The invoice must be in `draft` status and any new currency must match the invoice currency.
- [The Refund object](https://docs.fintoc.com/reference/refund-object.md)
- [List refunds](https://docs.fintoc.com/reference/refunds-list.md): Lists the refunds of your organization for the `live` or `test` mode of the API key used. Use `since`, `until`, and `status` to filter the results.
- [Get a refund](https://docs.fintoc.com/reference/refunds-get.md): Retrieves a refund by its `id`. Only refunds matching the `live` or `test` mode of the API key are visible.
- [Cancel a refund](https://docs.fintoc.com/reference/refunds-cancel.md): Cancels a refund by its `id`. Only refunds in `pending` status can be canceled; once Fintoc starts disbursing the funds, the refund cannot be canceled.
- [Get a refund voucher URL](https://docs.fintoc.com/reference/refunds-voucher.md): Returns a presigned URL to download the PDF voucher of a refund. The URL expires 5 minutes after it is generated. Vouchers are available for succeeded refunds in `live` mode, disbursed by bank transfer or card.
- [Disputes](https://docs.fintoc.com/reference/disputes.md)
- [The Dispute object](https://docs.fintoc.com/reference/dispute-object.md)
- [The Dispute Document object](https://docs.fintoc.com/reference/dispute-document-object.md)
- [List disputes](https://docs.fintoc.com/reference/disputes-list.md): Lists the disputes of your organization for the `live` or `test` mode of the API key used. Returns the most recent disputes first. Use the `status`, `resource_id`, `since`, and `until` query parameters to filter the list.
- [Get a dispute](https://docs.fintoc.com/reference/disputes-get.md): Retrieves a dispute by its `id`. Only disputes matching the `live` or `test` mode of the API key are visible; any other dispute returns a `404 Not Found` error without leaking its existence.
- [Submit a dispute for review](https://docs.fintoc.com/reference/disputes-submit-for-review.md): Submits the uploaded documentation of a dispute for review. The dispute must be in `waiting_documentation`, have at least one document, and be within its documentation upload deadline. On success the dispute moves to `in_review` and Fintoc's operations team is notified.
- [Upload a dispute document](https://docs.fintoc.com/reference/disputes-documents-create.md): Uploads a document as evidence for a dispute. Send the file as `multipart/form-data`. The file must be a PDF, JPEG, or PNG and smaller than 10 MB. You can upload documents only while the dispute is in `waiting_documentation` and within its documentation upload deadline. The dispute must match the `live` or `test` mode of the API key used.
- [Payout object](https://docs.fintoc.com/reference/payout-object.md)
- [Get a payout](https://docs.fintoc.com/reference/payouts-get.md): Retrieves a payout by its `id`. Only payouts matching the `live` or `test` mode of the API key are visible.
- [List payout resources](https://docs.fintoc.com/reference/payouts-resources-list.md): Lists the resources that a payout disburses or discounts: payment intents, charges, or refunds. The response item schema depends on `resource_type`: `payment_intent` returns payment intents, `charge` returns charges, and `refund` and `refund_adjustment` return refunds.
- [Payment link](https://docs.fintoc.com/reference/payment-links.md)
- [Payment link object](https://docs.fintoc.com/reference/payment-link-object.md)
- [Create a payment link](https://docs.fintoc.com/reference/payment-links-create.md): Creates a payment link in the `live` or `test` mode of the API key used. The response includes the `url` of the page where your customer pays. The payment link accepts payments until you cancel it or, when `expires_after_seconds` is sent, until it expires.
- [List payment links](https://docs.fintoc.com/reference/payment-links-list.md): Lists the payment links of your organization for the `live` or `test` mode of the API key used. The list is paginated: the `Link` and `X-Total-Count` response headers describe the pagination state.
- [Get a payment link](https://docs.fintoc.com/reference/payment-links-get.md): Retrieves a payment link by its `id`. Only payment links matching the `live` or `test` mode of the API key are visible.
- [Cancel a payment link](https://docs.fintoc.com/reference/payment-links-cancel.md): Cancels an active payment link. A canceled payment link stops accepting payments and cannot be reactivated. Only payment links matching the `live` or `test` mode of the API key can be canceled.
- [Checkout sessions](https://docs.fintoc.com/reference/checkout-sessions.md)
- [Checkout session object](https://docs.fintoc.com/reference/checkout-session-object.md)
- [Create a checkout session](https://docs.fintoc.com/reference/checkout-sessions-create.md): Creates a checkout session in the `live` or `test` mode of the API key used. The `flow` determines what the session does: `payment` collects a one-time payment, `subscription` starts a recurring subscription, and `setup` saves a payment method for future payments. Required fields depend on the flow. After creating the session, redirect your customer to the session's `redirect_url` or initialize the Fintoc widget with the session's `session_token`.
- [List checkout sessions](https://docs.fintoc.com/reference/checkout-sessions-list.md): Lists the checkout sessions of your organization for the `live` or `test` mode of the API key used. The API returns sessions sorted by creation date, with the most recently created sessions first. Use `limit`, `starting_after`, and `ending_before` to paginate through the list. The `Link` response header contains the URL of the next page.
- [Get a checkout session](https://docs.fintoc.com/reference/checkout-sessions-get.md): Retrieves the checkout session with the given `id` for the `live` or `test` mode of the API key used. Use this endpoint to check the current `status` of the session and, once your customer finishes the payment, the resulting `payment_resource`.
- [Expire a checkout session](https://docs.fintoc.com/reference/checkout-sessions-expire.md): Expires the checkout session with the given `id` before your customer completes the payment. You can only expire a session while its `status` is `created`. Expiring a session also expires any pending payment of the session and triggers a `checkout_session.expired` webhook event. Returns the session with its `status` set to `expired`.
- [Product object](https://docs.fintoc.com/reference/product-object.md)
- [List products](https://docs.fintoc.com/reference/products-list.md): Returns a paginated list of the products of your organization for the `live` or `test` mode of the API key used, newest first. The list includes both products created through this API and products created inline through other resources, such as checkout sessions. Use the `inline` query parameter to return only one of these groups. When more results are available, the response includes a `Link` header with the URL of the next page.
- [Get a product](https://docs.fintoc.com/reference/products-get.md): Retrieves the product with the given `id`. The product must belong to your organization and to the `live` or `test` mode of the API key used.
- [Create a product](https://docs.fintoc.com/reference/products-create.md): Creates a product in the `live` or `test` mode of the API key used. Products describe the goods or services your organization sells. Other resources can reference an existing product instead of redefining it inline on every request.
- [Update a product](https://docs.fintoc.com/reference/products-update.md): Updates the product with the given `id`. Only the fields you provide are modified, and omitted fields keep their current value. A field sent as `null` is treated the same as an omitted field, so you cannot clear an optional field that is already set through this endpoint. When `metadata` is provided, it replaces the entire existing metadata object. The product must belong to your organization and to the `live` or `test` mode of the API key used.
- [Entity object](https://docs.fintoc.com/reference/entity-object.md): A legal holder of accounts. Entities define ownership and identity in Transfers.
- [Create entity](https://docs.fintoc.com/reference/entities-create.md): Creates an entity in your organization for the mode (`live` or `test`) of the API key used. An entity is a legal holder of accounts. Returns the created entity.
- [List entities](https://docs.fintoc.com/reference/entities-list.md): Lists the entities of your organization for the mode (`live` or `test`) of the API key used. An entity is a legal holder of accounts and defines ownership and identity in Transfers. The list is paginated. Use the `starting_after`, `ending_before`, and `limit` query parameters to move through the list. The `Link` response header carries the URLs to navigate the paginated list.
- [Get entity](https://docs.fintoc.com/reference/entities-get.md): Returns details for the entity with the specified `id` in your organization.
- [Onboarding object](https://docs.fintoc.com/reference/onboarding-object.md): An `Onboarding` holds the Know Your Customer review of an `Entity`: company information, legal representative, transactional profile, shareholders, and documents.
- [Create an onboarding](https://docs.fintoc.com/reference/entities-onboardings-create.md): Starts an onboarding process for the entity using the company information, legal representatives, transactional profile, and shareholders provided in the request. Further requests upload documents and submit the onboarding, whose country is taken from the entity.
- [List onboardings](https://docs.fintoc.com/reference/entities-onboardings-list.md): Lists the onboardings of the entity. Only onboardings belonging to the organization of the API key used are visible.
- [Get an onboarding](https://docs.fintoc.com/reference/entities-onboardings-get.md): Retrieves the onboarding with the given `id` for the entity. Only onboardings belonging to the organization of the API key used are visible. Requesting an onboarding that does not exist or belongs to another organization or entity returns a `404 Not Found` error.
- [Submit an onboarding](https://docs.fintoc.com/reference/entities-onboardings-submit.md): Use this endpoint to submit an onboarding for review once every requirement is met. The onboarding must have the `in_progress` status, completed required fields, and uploaded required documents. On success, the onboarding moves to the `submitted` status and can no longer be modified.
- [Upload an onboarding document](https://docs.fintoc.com/reference/entities-onboardings-upload-step-document.md): Use this endpoint to upload a document to an onboarding document slot, identified by `slot_key`. Send the file as `multipart/form-data`. The file must be a PDF, JPEG, or PNG and cannot exceed 20 MB. Uploading a document to a slot that already has one replaces the existing document. You can upload documents only while the onboarding is in progress.
- [Upload a shareholder document](https://docs.fintoc.com/reference/entities-onboardings-upload-shareholder-document.md): Use this endpoint to upload the identity document for one onboarding shareholder. Send the file as `multipart/form-data`. The file must be a PDF, JPEG, or PNG and cannot exceed 20 MB. The expected document type depends on the shareholder type: an identification for a natural person, or the articles of incorporation for a legal entity. You can upload documents only while the onboarding is in progress.
- [Account object](https://docs.fintoc.com/reference/transfers-account-object.md): Accounts allow you to keep track of your available balance and execute outbound Transfers
- [Create an account](https://docs.fintoc.com/reference/transfers-accounts-create.md): Creates an account for an entity of your organization, in the `live` or `test` mode of the API key used.
- [List accounts](https://docs.fintoc.com/reference/transfers-accounts-list.md): Lists the accounts of your organization for the `live` or `test` mode of the API key used. Filter by `entity_id` and `status`. The list is paginated. Use the `starting_after`, `ending_before`, and `limit` query parameters to move through the list. The `Link` response header carries the URLs to navigate the paginated list.
- [Get an account](https://docs.fintoc.com/reference/transfers-accounts-retrieve.md): Returns the details of an account of your organization, identified by its ID.
- [Update an account](https://docs.fintoc.com/reference/transfers-accounts-update.md): Updates the editable fields of an account of your organization. Currently, only the `description` is editable.
- [Account number object](https://docs.fintoc.com/reference/account-number-object.md): Account numbers enable you to receive and track realtime Inbound Transfers using the Transfer API.
- [Create an account number](https://docs.fintoc.com/reference/account-numbers-create.md): Creates a new account number for one of your accounts, in the `live` or `test` mode of the API key used. Available only for Mexico account numbers, which are standardized Mexican bank account numbers (CLABEs).
- [List account numbers](https://docs.fintoc.com/reference/account-numbers-list.md): Lists the account numbers of your organization in the `live` or `test` mode of the API key used. Filter by `account_id`. The list is paginated. Use the `starting_after`, `ending_before`, and `limit` query parameters to move through the list. The `Link` response header carries the URLs to navigate the paginated list.
- [Get an account number](https://docs.fintoc.com/reference/account-numbers-retrieve.md): Retrieves the details of an account number of your organization, by its ID.
- [Update an account number](https://docs.fintoc.com/reference/account-numbers-update.md): Updates the editable fields of an account number of your organization: `description`, `status`, `metadata`, and inbound `options`.
- [Delete an account number](https://docs.fintoc.com/reference/account-numbers-delete.md): Deletes an account number of your organization. Available only for Mexico account numbers, which are standardized Mexican bank account numbers (CLABEs). You cannot delete the root account number. Returns the deleted account number. Deleting an account number that is already deleted is idempotent: the endpoint returns the account number again with its `deleted` status instead of an error. The endpoint returns `404 Not Found` only when no account number with the given ID exists. The underlying CLABE becomes available in the recycling pool 30 days after deletion, and Fintoc may reassign the CLABE to a different account or organization. Deletion is permanent and cannot be undone.
- [Transfer object](https://docs.fintoc.com/reference/transfer-object.md): A movement of funds into or out of one of your accounts, inbound or outbound over the bank rail.
- [Create a transfer](https://docs.fintoc.com/reference/transfers-create.md): Creates an outbound transfer from one of your accounts, in the `live` or `test` mode of the API key used. Requirements differ by country. In Chile, the currency is `CLP` and the counterparty needs a `holder_id`, which is the Chilean tax ID (RUT), and an `institution_id`. In Mexico, the currency is `MXN` and the counterparty's `account_number` is a standardized Mexican bank account number (CLABE). Requires a JSON Web Signature (JWS) in the `Fintoc-JWS-Signature` header.
- [List transfers](https://docs.fintoc.com/reference/transfers-list.md): Lists the transfers of your organization in the `live` or `test` mode of the API key used. Filter by `account_id`, `account_number_id`, `direction`, `status`, and `transfer_batch_id`, or by date range with `since` and `until`. The list is paginated. Use the `starting_after`, `ending_before`, and `limit` query parameters to page through it. The `Link` response header carries the URLs to navigate the pages.
- [Get a transfer](https://docs.fintoc.com/reference/transfers-retrieve.md): Retrieves the details of a transfer of your organization, by its ID.
- [Return a transfer](https://docs.fintoc.com/reference/transfers-return.md): Returns an inbound transfer to its original sender. You can only return `MXN` transfers. Requires a JSON Web Signature (JWS) in the `Fintoc-JWS-Signature` header.
- [SPEI codes](https://docs.fintoc.com/reference/spei-codes.md)
- [Simulate receiving a transfer](https://docs.fintoc.com/reference/transfers-simulate-receive.md): Test-mode helper that simulates an inbound transfer into one of your account numbers, so you can exercise incoming-transfer flows. Only available with a `test` API key.
- [Account verification object](https://docs.fintoc.com/reference/account-verification-object.md): Confirms ownership of a counterparty bank account by issuing a verification transfer from one of your accounts.
- [Create an account verification](https://docs.fintoc.com/reference/account-verifications-create.md): Verifies the ownership and details of a counterparty account by issuing a verification transfer from one of your accounts. The verification uses the `live` or `test` mode of the API key. Requires a JSON Web Signature (JWS).
- [List account verifications](https://docs.fintoc.com/reference/account-verifications-list.md): Lists the account verifications of your organization for the mode (`live` or `test`) of the API key used. Filter by `account_number`, `transfer_id`, or by date range with `since` and `until`. The list is paginated. Use the `starting_after`, `ending_before`, and `limit` query parameters to move through the list. The `Link` response header carries the URLs to navigate the paginated list.
- [Get an account verification](https://docs.fintoc.com/reference/account-verifications-get.md): Retrieves the details of an account verification by its ID.
- [Movement object](https://docs.fintoc.com/reference/transfers-movement-object.md): A single change to the balance of one of your accounts, recorded whenever money enters or leaves the account.
- [List movements](https://docs.fintoc.com/reference/transfers-movements-list.md): Lists the movements of one of your accounts for the mode (`live` or `test`) of the API key used. Filter by `direction` and `resource_id`, or by date range with `since` and `until`. The list is paginated. Use the `starting_after`, `ending_before`, and `limit` query parameters to move through the list. The `Link` response header carries the URLs to navigate the paginated list.
- [Get a movement](https://docs.fintoc.com/reference/transfers-movements-get.md): Retrieves the details of a movement that belongs to one of your accounts, by its ID.
- [Account statement object](https://docs.fintoc.com/reference/account-statement-object.md): Account Statements are a monthly PDF document that summarizes all movements for a given account during a specific period.
- [List account statements](https://docs.fintoc.com/reference/account-statements-list.md): Lists the account statements of one of your accounts for the `live` or `test` mode of the API key you use. Filter by date range with the `since` and `until` query parameters. The response is paginated. Use `starting_after`, `ending_before`, and `limit` to page through the results. When more results are available, the `Link` response header carries the URL of the next page.
- [Link intent object](https://docs.fintoc.com/reference/link-intent-object.md): This represents your user connection attempt.
- [Link object](https://docs.fintoc.com/reference/link-object.md)
- [List links](https://docs.fintoc.com/reference/links-list.md): Returns a paginated list of the links of your organization, in the `live` or `test` mode of the API key used. `link_token` and `accounts` are always `null` when listing links.
- [Update a link](https://docs.fintoc.com/reference/links-update.md): Updates a link using its `link_token` as identifier. You can update only the `active` field: Fintoc stops refreshing deactivated links.
- [Movement object](https://docs.fintoc.com/reference/movements-object.md)
- [List movements](https://docs.fintoc.com/reference/movements-list.md): Returns a paginated list of the movements of an account, using the link's `link_token` to authenticate the request. By default the endpoint returns only confirmed movements; use `confirmed_only=false` to include every status.
- [Account object](https://docs.fintoc.com/reference/accounts-object.md)
- [Create a refresh intent](https://docs.fintoc.com/reference/refresh-intents-create.md): Creates a refresh intent for a link, using the link's `link_token` to authenticate the request. Unless the institution requires multi-factor authentication, the refresh starts asynchronously and Fintoc notifies the result through webhooks. Your organization needs the on demand refresh policy, and Fintoc rate limits consecutive refreshes (5 minutes between `only_last` refreshes, 60 minutes between `historical` ones).
- [Subscription intent object](https://docs.fintoc.com/reference/subscription-intent-object.md)
- [Create a subscription intent](https://docs.fintoc.com/reference/subscription-intents-create.md): Creates a subscription intent in the `live` or `test` mode of the API key used. The response includes the `widget_token` used to open the widget so the payer can authorize the subscription.
- [List subscription intents](https://docs.fintoc.com/reference/subscription-intents-list.md): Lists the subscription intents of your organization for the `live` or `test` mode of the API key used. Results are paginated. `widget_token` is always `null` outside creation.
- [Subscription object](https://docs.fintoc.com/reference/direct-debit-subscription-object.md)
- [Charge object](https://docs.fintoc.com/reference/charge-object.md)
- [Create a charge](https://docs.fintoc.com/reference/charges-create.md): Creates a charge on an active subscription. The charge starts with status `pending`, and Fintoc collects the charge from the subscription's bank account on the next collection cycle. In `test` mode, Fintoc simulates the collection and updates the charge status asynchronously after creation.
- [Cancel a charge](https://docs.fintoc.com/reference/charges-cancel.md): Cancels a charge. Only charges with status `pending` can be canceled. Once the collection starts, the charge can no longer be canceled.
- [Update a charge](https://docs.fintoc.com/reference/charges-update.md): Updates a charge. Only the `amount` and the `currency` can be updated, and only while the charge status is `pending`. Once the collection starts, the charge can no longer be updated.
- [Tax return object](https://docs.fintoc.com/reference/tax-returns-object.md)
- [Get a tax return](https://docs.fintoc.com/reference/tax-returns-get.md): Retrieves a tax return by its `id`, using the link's `link_token` to authenticate the request. You can only retrieve tax returns that belong to the link's fiscal account.
- [List tax returns](https://docs.fintoc.com/reference/tax-returns-list.md): Returns a paginated list of the annual tax returns (F22 form) of the fiscal account associated with a link. Use the link's `link_token` to authenticate the request. Available for Chilean links connected to the Chilean tax authority (SII).
- [Invoice object](https://docs.fintoc.com/reference/fiscal-invoices-object.md)
- [List invoices](https://docs.fintoc.com/reference/fiscal-invoices-list.md): Returns a paginated list of the invoices of the fiscal link associated with the `link_token`, sorted by descending document date. For links created with the `invoices` product, Fintoc returns every document the fiscal authority reports. For links created with the `income` product, Fintoc returns only the fee receipts for professional services the account holder issued.
- [Tax statement object](https://docs.fintoc.com/reference/tax-statements-object.md)
- [Get a tax statement](https://docs.fintoc.com/reference/tax-statements-get.md): Retrieves a tax statement by its `id`, using the link's `link_token` to authenticate the request. You can only retrieve tax statements that belong to the link's fiscal account.
- [List tax statements](https://docs.fintoc.com/reference/tax-statements-list.md): Returns a paginated list of the monthly tax statements (F29 form) of the fiscal account associated with a link, ordered by year and period with the most recent first. Use the link's `link_token` to authenticate the request. Available for Chilean links connected to the Chilean tax authority (SII).

## Changelog
- [Luna aterrizó en tu dashboard](https://docs.fintoc.com/changelog/luna-agente-dashboard.md)
- [Crea nuevas razones sociales vía API o Dashboard](https://docs.fintoc.com/changelog/crea-nuevas-razones-sociales.md)
- [Reembolsos por transferencia en minutos](https://docs.fintoc.com/changelog/reembolsos-en-tiempo-real.md)
- [MCP de Fintoc](https://docs.fintoc.com/changelog/mcp-de-fintoc.md)
- [Métodos alternativos para pagos por transferencia](https://docs.fintoc.com/changelog/nuevas-integraciones-botones-de-pago-de-bancos.md)