curl --request POST \
  --url https://api.fintoc.com/v2/payment_intents \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "amount": 100000,
  "currency": "CLP",
  "payment_method": "pm_2bArifJWQ6CiZSofWxBNL1Hri2u",
  "split": [
    {
      "entity_id": "ent_6Qd3kZvNxL8r",
      "type": "flat",
      "amount": 70000,
      "charge_processing_fee": true
    },
    {
      "entity_id": "ent_4Pq7sLwXy2Nc",
      "type": "flat",
      "amount": 30000
    }
  ]
}
'

{
  "id": "pi_2cKoy3PEXAuvkr4ofXC1KdMvCgZ",
  "object": "payment_intent",
  "amount": 5000,
  "business_profile": null,
  "created_at": "2026-02-10T15:23:11Z",
  "currency": "CLP",
  "customer": null,
  "customer_email": null,
  "error_reason": null,
  "expires_at": null,
  "invoices": [],
  "metadata": {
    "order_id": "12345"
  },
  "mode": "live",
  "next_action": null,
  "payment_method": null,
  "payment_type": "pac",
  "payment_type_options": {},
  "recipient_account": null,
  "reference_id": null,
  "sender_account": null,
  "split": null,
  "split_applied": null,
  "status": "created",
  "transaction_date": null,
  "widget_token": null
}

Payment intents

Create a payment intent

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. Fintoc sends Mexican direct debit charges to the bank once per business day and receives the result on the following business day. Available for organizations on API version 2026-02-01 or later.

POST

payment_intents

curl --request POST \
  --url https://api.fintoc.com/v2/payment_intents \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "amount": 100000,
  "currency": "CLP",
  "payment_method": "pm_2bArifJWQ6CiZSofWxBNL1Hri2u",
  "split": [
    {
      "entity_id": "ent_6Qd3kZvNxL8r",
      "type": "flat",
      "amount": 70000,
      "charge_processing_fee": true
    },
    {
      "entity_id": "ent_4Pq7sLwXy2Nc",
      "type": "flat",
      "amount": 30000
    }
  ]
}
'

{
  "id": "pi_2cKoy3PEXAuvkr4ofXC1KdMvCgZ",
  "object": "payment_intent",
  "amount": 5000,
  "business_profile": null,
  "created_at": "2026-02-10T15:23:11Z",
  "currency": "CLP",
  "customer": null,
  "customer_email": null,
  "error_reason": null,
  "expires_at": null,
  "invoices": [],
  "metadata": {
    "order_id": "12345"
  },
  "mode": "live",
  "next_action": null,
  "payment_method": null,
  "payment_type": "pac",
  "payment_type_options": {},
  "recipient_account": null,
  "reference_id": null,
  "sender_account": null,
  "split": null,
  "split_applied": null,
  "status": "created",
  "transaction_date": null,
  "widget_token": null
}

Authorizations

Authorization

string

header

required

Body

application/json

amount

integer

required

Amount to charge, in the smallest unit of the currency. CLP has no decimals, so 5000 is $5000 CLP; MXN amounts are expressed in centavos, so 5000 is $50.00 MXN. Must be greater than zero and at most 2147483647.

Example:

5000

currency

enum<string>

required

Three-letter ISO 4217 currency code, in uppercase. One of CLP or MXN.

Available options:

CLP,

MXN

Example:

"CLP"

payment_method

string

required

The id of the payment method to charge. The payment method must belong to your organization and match the mode of the API key used.

Example:

"pm_2bArifJWQ6CiZSofWxBNL1Hri2u"

metadata

object

Set of key-value pairs to attach to the payment intent. Up to 50 pairs, with keys of up to 40 characters and values of up to 500 characters. Nested objects and arrays are not allowed.

Example:

{ "order_id": "12345" }

split

object[]

Rules for dividing the payment between entities. Available for organizations with splits enabled. Provide 1 to 10 entries. All entries must use the same type, each entity_id can appear only once, and at least one entry must pay the processing fee. For flat splits, amounts must add up to amount. For percentage splits, amounts must add up to 10000 basis points (100%).

Show child attributes

Response

Payment intent created. The charge starts in the created status; Fintoc processes the charge asynchronously.

string

required

Unique identifier of the payment intent.

Example:

"pi_2cKoy3PEXAuvkr4ofXC1KdMvCgZ"

object

any

required

Type of the object. Always payment_intent.

amount

integer

required

Amount of the payment intent, in the smallest unit of the currency. CLP has no decimals, so 5000 is $5000 CLP; MXN amounts are expressed in centavos, so 5000 is $50.00 MXN.

Example:

5000

created_at

string<date-time>

required

Time the payment intent was created, as an ISO 8601 datetime in UTC.

Example:

"2026-02-10T15:23:11Z"

currency

enum<string>

required

Three-letter ISO 4217 currency code, returned in uppercase (for example, CLP or MXN).

Available options:

CLP,

MXN

Example:

"CLP"

customer

object | null

required

Customer associated with the payment intent. Present when the payment intent was created from a checkout session with an associated customer; null otherwise.

Show child attributes

customer_email

string | null

required

Email collected from the customer at payment time, when available. May differ from customer.email.

Example:

"customer@example.com"

customer_phone

string | null

required

Phone number of the customer in E.164 format, used for cash payment notifications. null when not provided.

Example:

"+525500000000"

error_reason

string | null

required

Reason why the payment failed. null unless the payment finished unsuccessfully.

Example:

null

expires_at

string<date-time> | null

required

Time the payment intent expires, as an ISO 8601 datetime in UTC. null when the payment intent does not expire.

Example:

null

invoices

string[]

required

Identifiers of the invoices paid by the payment intent. Empty when the payment intent doesn't pay any invoice.

Example:

["inv_3K3U2iyxtXT1f1f6BFPIoDPD93C"]

metadata

object

required

Set of key-value pairs attached to the payment intent at creation. Defaults to an empty object.

Example:

{ "order_id": "12345" }

mode

enum<string>

required

Mode of the payment intent. live for real payments, test for payments created with a test API key.

Available options:

live,

test

Example:

"live"

next_action

object | null

required

Action the customer must complete for the payment to continue, for example confirming the payment in their banking app. The type key indicates the kind of action. null when no action is pending.

Example:

null

payment_method

string | null

required

Identifier of the payment method associated with the payment intent, when available.

Example:

"pm_2bArifJWQ6CiZSofWxBNL1Hri2u"

payment_type

string

required

Type of payment that produced this payment intent, for example bank_transfer, cash, card, installment, pac, or a provider-specific external redirect such as banco_estado. The value depends on how the payment was initiated.

Example:

"bank_transfer"

payment_type_options

object

required

Additional options specific to the payment type. For card payments, the object contains a card object, and for cash payments a cash object. The object is empty when the payment type has no extra options.

Show child attributes

Example:

{}

recipient_account

object | null

required

Bank account that received the payment. null when the payment is not associated with a recipient account, for example for charges on a saved payment method.

Show child attributes

reference_id

string | null

required

Identifier given by the institution that processed the payment, when available.

Example:

"90123712"

sender_account

object | null

required

Bank account that sent the payment. null when the sender account is unknown.

Show child attributes

split

object[] | null

required

Rules for dividing the payment between entities. Includes any default values Fintoc applied when creating the payment intent. null when the payment intent was created without a split.

Show child attributes

split_applied

object[] | null

required

Portion of the payment assigned to each entity. A redirected portion is credited to redirected_to_entity_id instead. null when the payment has no split.

Show child attributes

status

enum<string>

required

Status of the payment intent. One of created (the charge was accepted and is awaiting processing), in_progress (Fintoc is processing the charge), succeeded (the charge completed), failed (the charge did not complete), rejected (the institution rejected the charge), expired (the payer did not act in time), or pending (the final status is not yet known). pending is only returned to organizations that have the pending status enabled.

Available options:

created,

failed,

succeeded,

rejected,

in_progress,

pending,

expired

Example:

"succeeded"

transaction_date

string<date-time> | null

required

Time the institution processed the payment, as an ISO 8601 datetime in UTC. null when not available.

Example:

"2026-02-10T15:24:15Z"

Token used by the Fintoc widget to resume a customer-present flow. Always null for payment intents returned by the v2 API.

Example:

null

business_profile

object | null

Business information of the entity that receives the payment, when it was collected on behalf of a business. null when no business information was provided.

Show child attributes

Fintoc API

Main Resources

Payments API

Business Accounts API

Movements API

Direct Debit (Legacy)

Fiscal API

Create a payment intent

Authorizations

Body

Response