The Checkout Session object

The Checkout Session object represents the flow your customer goes through to complete a payment or enrollment. It holds the amount, currency, payment method configuration, and the redirect URLs your customer uses to complete the session. The session tracks its status through created, in_progress, finished, and expired.

Attribute	Type	Description
`id`	`string`	Unique identifier for the `Checkout Session`.
`object`	`string`	Identifier for the type of object. Its value is always `checkout_session`.
`amount`	`integer`	Amount to charge for the session, as a positive integer in the smallest currency unit (for example, `1000` for `$1000 CLP`, since CLP has no minor unit). Present on `payment` and `subscription` flows, and omitted on the `setup` flow. See currencies.
`business_profile`	`object`	Details that identify enrolled merchants for category-based pricing. See the Business Profile Object section below for its fields.
`cancel_url`	`string`	URL to redirect your customer to if they cancel the `Checkout Session` and return to your website.
`created_at`	`string`	ISO 8601 datetime in UTC for when the session was created.
`currency`	`string`	Three-letter ISO 4217 currency code, uppercase. Must be a currency Fintoc supports in the customer's country; see the currencies page for the full list.
`customer`	`object`	The `Customer` associated with the session. See the Customer Object section below for its fields.
`customer_email`	`string`	Email Fintoc notifies if a refund occurs. Set this field if you use refunds.If you create a session without `customer_email`, this field is `null` and Fintoc sends no emails for the session.
`expires_at`	`string`	ISO 8601 datetime in UTC for when the session expires. Defaults to 24 hours after the session is created.
`flow`	`string`	Type of flow the session uses. One of `payment`, `setup`, or `subscription`.
`line_items`	`array`	Items on the session. For `subscription` sessions, these items define the recurring charges. This field is `null` when the session does not use line items.
`metadata`	`object`	Set of key-value pairs that you can attach to an object. Useful for storing additional information about the object in a structured format.If you create a session without `metadata`, this field is `null` in the notifications about the final status.
`mode`	`string`	Indicates whether the `Checkout Session` is in `live` mode or in `test` mode.
`payment_method`	`string`	ID of the saved payment method used for the session, when the customer pays with a saved method. Prefixed with `pm_`. This field is `null` otherwise.
`payment_method_options`	`object`	Set of settings for each enabled payment method type, keyed by the type (for example, `bank_transfer`). See the Bank Transfer Options section below for its fields.
`payment_method_types`	`array`	Array of payment method types enabled for the session. For `payment` flows, one or more of `bank_transfer` or `card`. For `setup` and `subscription` flows, one or more of `pac` (Chilean automatic debit), `direct_debit` (Mexican direct debit), or `card`. The available values depend on the customer's country.
`payment_resource`	`object`	Payment resource associated with the session once the payment finishes. Contains a `payment_intent`; see the Payment Intent Object reference for its fields. If the session has not finished or expired, this field is `null`.
`redirect_url`	`string`	URL to redirect your customer to so they complete the `Checkout Session` using the Fintoc widget.
`save_payment_method`	`string`	Indicates whether the customer can save the payment method for future payments. One of `enabled` or `disabled`. Defaults to `disabled`.
`session_token`	`string`	Temporary token used to configure the widget. This field is `null` when you send `success_url` and `cancel_url` while creating the session.
`status`	`string`	Session status. One of `created`, `in_progress`, `finished`, or `expired`.
`subscription`	`string`	ID of the subscription created during a `subscription` flow. Prefixed with `sub_`. This field is `null` for other flows.
`success_url`	`string`	URL to redirect your customer to after the `Checkout Session` completes successfully.
`ui_mode`	`string`	Indicates the user interface of the checkout. The available options are `hosted`, with a redirect to a Fintoc-hosted page, and `embedded`, for embedded buttons like Apple Pay.

{
  "id": "cs_li5531onlFDi235",
  "object": "checkout_session",
  "amount": 350000,
  "business_profile": {},
  "cancel_url": "https://merchant.com/987654321",
  "created_at": "2026-01-13T18:48:25Z",
  "currency": "CLP",
  "customer": {
    "id": "cus_3B2bODrQFje7ZVkT69xyaTSDwXQ",
    "object": "customer",
    "email": "[email protected]",
    "metadata": {},
    "name": "Felipe Castro",
    "tax_id": {
      "type": "cl_rut",
      "value": "11.111.111-1"
    }
  },
  "customer_email": null,
  "expires_at": "2026-01-14T18:48:25Z",
  "flow": "payment",
  "line_items": null,
  "metadata": {},
  "mode": "test",
  "payment_method": null,
  "payment_method_options": {},
  "payment_method_types": [
    "bank_transfer"
  ],
  "payment_resource": {
    "payment_intent": {
      "id": "pi_38DNJo3rbvGUzKFvCGZ6dxR1Kxx",
      "object": "payment_intent",
      "amount": 350000,
      "business_profile": {},
      "created_at": "2026-01-13T18:48:31Z",
      "currency": "CLP",
      "customer_email": null,
      "error_reason": null,
      "expires_at": "2026-01-14T18:48:25Z",
      "metadata": {},
      "mode": "test",
      "payment_type": "bank_transfer",
      "payment_type_options": {},
      "recipient_account": null,
      "reference_id": null,
      "sender_account": {
        "holder_id": "11.111.111-1",
        "institution_id": "cl_banco_falabella",
        "number": "813990168",
        "type": "checking_account"
      },
      "status": "succeeded",
      "transaction_date": null,
      "widget_token": null
    }
  },
  "redirect_url": "https://pay.fintoc.com/checkout/cs_li5531onlFDi235",
  "save_payment_method": "disabled",
  "session_token": null,
  "status": "finished",
  "subscription": null,
  "success_url": "https://merchant.com/success",
  "ui_mode": "hosted"
}

Customer Object

The customer attribute contains the Customer associated with the session, with the following fields:

Attribute	Type	Description
`id`	`string`	Unique identifier for the `Customer`. Prefixed with `cus_`.
`object`	`string`	Object type. Always `customer`.
`email`	`string`	Customer's email address.
`metadata`	`object`	Set of key-value pairs attached to the customer.
`name`	`string`	Customer's full name or business name.
`tax_id`	`nullable object`	Customer tax identifier. Null when not provided. See the Customer object for the `tax_id.type` and `tax_id.value` fields.

Bank Transfer Options

A bank_transfer payment involves the following account objects:

Attribute Type Description

recipient_account object Recipient account for the transfer. See the Recipient Account Object section below for its fields. If you use Fintoc Collects, omit this object during payment creation.

Attribute	Type	Description
`recipient_account`	`object`	Recipient account for the transfer. See the Recipient Account Object section below for its fields. If you use Fintoc Collects, omit this object during payment creation.
`sender_account`	`object`	Sender account for the transfer. See the Sender Account Object section below for its fields. When you receive final payment status notifications, `sender_account` is `null` if the customer abandoned the payment before specifying a sender account.

sender_account

object

Sender account for the transfer. See the Sender Account Object section below for its fields.

When you receive final payment status notifications, sender_account is null if the customer abandoned the payment before specifying a sender account.

Recipient Account Object

Attribute	Type	Description
`holder_id`	`string`	Identifier of the owner of the account. In Chile, it corresponds to a Chilean tax ID (RUT), and in Mexico it is either a Mexican tax ID (RFC) or a Mexican personal ID (CURP).
`institution_id`	`string`	Account's institution `id`. Learn more about institutions and their `id`s in the institutions reference.
`number`	`string`	Account number. Does not include hyphens or prefixed zeros.
`type`	`string`	Account type. One of `checking_account` or `sight_account`.

Sender Account Object

Attribute	Type	Description
`holder_id`	`string`	Identifier of the owner of the account. In Chile, it corresponds to a Chilean tax ID (RUT), and in Mexico it is a Mexican tax ID (RFC) or a Mexican personal ID (CURP).
`institution_id`	`string`	Account's institution `id`. Learn more about institutions and their `id`s in the institutions reference.
`number`	`string`	Account number. Does not include hyphens or prefixed zeros.
`type`	`string`	Account type. One of `checking_account` or `sight_account`.

Business Profile Object

Attribute	Type	Description
`category`	`string`	Identifier of the category of the enrolled merchant. In Chile, it corresponds to a 6-character Servicio de Impuestos Internos (SII) activity code.
`name`	`string`	Enrolled merchant's name. If set, Fintoc shows it as the "Recipient" on the succeeded payment screen.
`tax_id`	`string`	Enrolled merchant's tax identifier. In Chile, it corresponds to a RUT.