Checkout session object

The Checkout Session object

The CheckoutSession object represents the payment flow your customer completes to pay you. You create one to start a payment, a subscription, or a payment method setup, and Fintoc returns the CheckoutSession object. 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.

{
  "id": "cs_li5531onlFDi235",
  "object": "checkout_session",
  "amount": 350000,
  "business_profile": null,
  "cancel_url": "https://merchant.com/cancel",
  "created_at": "2026-01-13T18:48:25Z",
  "currency": "CLP",
  "customer": {
    "id": "cus_8anq0lFDi2359An",
    "object": "customer",
    "address": null,
    "created_at": "2026-01-13T18:40:00Z",
    "email": "[email protected]",
    "metadata": {},
    "mode": "test",
    "name": "Test Customer 1",
    "phone": null,
    "tax_id": {
      "type": "cl_rut",
      "value": "111111111"
    }
  },
  "customer_email": "[email protected]",
  "expires_at": "2026-01-14T18:48:25Z",
  "flow": "payment",
  "metadata": {},
  "mode": "test",
  "payment_method": null,
  "payment_method_options": {
    "bank_transfer": {
      "recipient_account": {
        "holder_id": "111111111",
        "institution_id": "cl_banco_de_chile",
        "number": "123456789",
        "type": "checking_account"
      }
    }
  },
  "payment_method_types": [
    "bank_transfer"
  ],
  "payment_resource": {
    "payment_intent": {
      "id": "pi_BO381oEATXonG6bj",
      "object": "payment_intent",
      "amount": 350000,
      "business_profile": null,
      "created_at": "2026-01-13T18:48:31Z",
      "currency": "CLP",
      "customer": null,
      "customer_email": "[email protected]",
      "error_reason": null,
      "expires_at": "2026-01-14T18:48:25Z",
      "metadata": {},
      "mode": "test",
      "next_action": null,
      "payment_method": null,
      "payment_type": "bank_transfer",
      "payment_type_options": {},
      "recipient_account": null,
      "reference_id": null,
      "sender_account": {
        "holder_id": "111111111",
        "institution_id": "cl_banco_falabella",
        "number": "123456789",
        "type": "checking_account"
      },
      "status": "succeeded",
      "subscription": null,
      "transaction_date": "2026-01-13T18:50:25Z",
      "widget_token": null
    }
  },
  "redirect_url": "https://checkout.fintoc.com/payment?checkout_session=cs_li5531onlFDi235",
  "save_payment_method": null,
  "session_token": null,
  "setup_intent": null,
  "status": "finished",
  "subscription": null,
  "success_url": "https://merchant.com/success",
  "ui_mode": "hosted"
}

Attribute	Type	Description
`id`	`string`	Unique identifier of the checkout session.
`object`	`string`	Type of the object. Always `checkout_session`.
`amount`	`integer` or `null`	Amount the session charges your customer, in the smallest unit of `currency`. `CLP` has no decimals, so `5000` means 5000 pesos; `MXN` uses centavos, so `5000` means 50.00 pesos. `null` for `setup` flow sessions, which do not charge your customer.
`business_profile`	`object` or `null`	Business on whose behalf you collect the payment, for payment aggregators. `null` when the session has no business profile. See the Business profile object table below.
`cancel_url`	`string` or `null`	URL Fintoc redirects your customer to when the payment is not completed. `null` when the session was created without redirect URLs.
`created_at`	`string`	ISO 8601 timestamp of when the session was created.
`currency`	`string`	Three-letter ISO 4217 currency code, in uppercase. One of `CLP` or `MXN`.
`customer`	`object` or `null`	Customer the session belongs to. `null` when the session has no customer. See the Customer object table below.
`customer_email`	`string` or `null`	Email of your customer, used to send the payment receipt. `null` when not provided.
`expires_at`	`string`	ISO 8601 timestamp of when the session expires. After this time your customer can no longer pay the session.
`flow`	`string`	Flow the session runs. One of `payment` (one-time payment), `subscription` (recurring subscription), or `setup` (save a payment method for future payments).
`line_items`	`array` or `null`	Items the session charges for. `null` when the session was created without line items.
`metadata`	`object`	Set of key-value pairs you attached to the session.
`mode`	`string`	Mode of the object. `live` uses real institution data; `test` uses fake data for integration testing.
`payment_method`	`string` or `null`	`id` of the saved payment method that pays the session. `null` when the session is not paid with a saved payment method.
`payment_method_options`	`object`	Configuration of the session's payment methods, keyed by payment method type. Each key matches one of `payment_method_types`. For `bank_transfer` and `pac`, set a `recipient_account`, a `sender_account`, or both, described below. For `card`, set `types` in `payment` flow sessions or `kinds` (`credit`, `debit`) in `setup` and `subscription` flow sessions.
`payment_method_types`	`array`	Payment method types your customer can use to pay the session. One or more of `bank_transfer` (one-time bank transfer), `installments` (pay in installments), `card` (credit or debit card), and `pac` (automatic recurring bank debit).
`payment_resource`	`object` or `null`	Payment generated by the session. `null` until your customer starts a payment attempt. Holds a `payment_intent`; see the Payment Intent object.
`redirect_url`	`string` or `null`	URL of the Fintoc-hosted checkout page where your customer completes the payment. `null` for sessions paid through the Fintoc widget.
`save_payment_method`	`string` or `null`	Whether the session lets your customer save their payment method. One of `enabled` or `disabled`. Only returned for `payment` flow sessions; `null` when not configured.
`session_token`	`string` or `null`	Token used to initialize the Fintoc widget to pay the session. `null` for `subscription` and `setup` flows and for payments completed outside the widget.
`setup_intent`	`string` or `null`	`id` of the setup intent created by `setup` and `subscription` flow sessions. `null` for other flows and until Fintoc attempts a setup. See the Setup Intent object for the setup intent's status and error fields.
`status`	`string`	Lifecycle status of the session. One of `created` (your customer has not started paying), `in_progress` (Fintoc is processing the payment), `finished` (the session succeeded), or `expired`.
`subscription`	`string` or `null`	`id` of the subscription started by a `subscription` flow session. `null` until the subscription is created, and for other flows.
`success_url`	`string` or `null`	URL Fintoc redirects your customer to after a successful payment. `null` when the session was created without redirect URLs.
`ui_mode`	`string`	User interface the checkout uses. One of `hosted` (Fintoc-hosted page) or `embedded` (embedded buttons such as Apple Pay).

The Customer object (within the Checkout Session object)

The customer the session belongs to, when you attach one on creation.

Attribute	Type	Description
`id`	`string`	Unique identifier of the customer.
`object`	`string`	Type of the object. Always `customer`.
`address`	`object` or `null`	Address of the customer. `null` when not provided. See the Address object table below.
`created_at`	`string`	ISO 8601 timestamp of when the customer was created.
`email`	`string` or `null`	Email of the customer. `null` when not provided.
`metadata`	`object`	Set of key-value pairs attached to the customer.
`mode`	`string`	Mode of the object. `live` uses real institution data; `test` uses fake data for integration testing.
`name`	`string` or `null`	Name of the customer. `null` when not provided.
`phone`	`string` or `null`	Phone number of the customer. `null` when not provided.
`tax_id`	`object` or `null`	Tax identifier of the customer. `null` when not provided. See the Tax ID object table below.

The Address object (within the Customer object)

Attribute	Type	Description
`city`	`string`	City of the address.
`country`	`string`	Country of the address, as a two-letter ISO 3166-1 code.
`line1`	`string`	First line of the address.
`line2`	`string`	Second line of the address.
`postal_code`	`string`	Postal code of the address.
`state`	`string`	State or region of the address.

The Tax ID object (within the Customer object)

Attribute	Type	Description
`type`	`string`	Type of the tax identifier, for example `cl_rut`.
`value`	`string`	Value of the tax identifier.

The Payment method options object (within the Checkout Session object)

Use payment_method_options to configure payment methods in the session. For bank_transfer, set a recipient_account and, optionally, a sender_account. For pac, set a sender_account. For card, the Create checkout session endpoint defines types for payment flow sessions and kinds (credit, debit) for setup and subscription flow sessions.

Attribute	Type	Description
`recipient_account`	`object`	Account that receives the payment. See the Recipient account object table below. If you collect through Fintoc, omit it for better stability.
`sender_account`	`object`	Account your customer pays from. See the Sender account object table below. In final payment notifications it may be `null` if your customer abandoned the payment before choosing one.

The Recipient account object (within the Payment method options object)

The Recipient account object describes the bank account that receives the funds, returned in the recipient_account field.

Attribute	Type	Description
`holder_id`	`string`	Tax ID of the account holder. In Chile, a Chilean tax ID (RUT = Chilean tax ID); in Mexico, a Mexican tax ID (RFC = Mexican tax ID) or a Mexican personal ID (CURP).
`institution_id`	`string`	Identifier of the account's institution. See Chile institution codes.
`number`	`string`	Account number, without hyphens or leading zeros.
`type`	`string`	Type of the account. One of `checking_account` or `sight_account`.

The Sender account object (within the Payment method options object)

The Sender account object describes the customer's bank account that the funds are paid from, returned in the sender_account field.

Attribute	Type	Description
`holder_id`	`string`	Tax ID of the account holder. In Chile, a Chilean tax ID (RUT); in Mexico, a Mexican tax ID (RFC) or a Mexican personal ID (CURP). Without a `holder_id`, Fintoc skips new contact validations.
`institution_id`	`string`	Identifier of the account's institution. See Chile institution codes.
`number`	`string`	Account number, without hyphens or leading zeros.
`type`	`string`	Type of the account. One of `checking_account` or `sight_account`.

The Business profile object (within the Checkout Session object)

The Business profile object identifies the enrolled merchant receiving the payment, returned in the business_profile field of the Checkout Session.

Attribute	Type	Description
`category`	`string`	Six-character merchant category code (MCC) of the business. In Chile, it corresponds to an SII activity code.
`name`	`string`	Name of the business. If set, it appears as the recipient on the successful payment screen.
`tax_id`	`string`	Chilean tax ID (RUT) of the business.