> ## Documentation Index > Fetch the complete documentation index at: https://docs.fintoc.com/llms.txt > Use this file to discover all available pages before exploring further. # Create a payment intent > Creates a payment intent in the `live` or `test` mode of the API key used. A payment intent represents your intention of collecting a payment from a customer, in CLP for Chilean organizations or MXN for Mexican organizations. The response includes a `widget_token`, only returned on creation, used to initialize the Fintoc widget so the customer can complete the payment. **`v1`** ยท Base URL `https://api.fintoc.com/v1` **Only create a Payment Intent for a Cash Payment** This request to create a Payment Intent should only be used for [cash payments](/docs/payments/cash-payment-direct-api). For all other payment methods, you should create a Checkout Session instead. See more details here: [https://docs.fintoc.com/reference/create-checkout-session](/reference/payments-api/checkout-sessions/checkout-sessions-create) ## OpenAPI ````yaml reference/fintoc-api.json POST /payment_intents openapi: 3.1.0 info: title: fintoc-api version: v2026-02-01 servers: - url: https://api.fintoc.com/v1 security: [] paths: /payment_intents: post: tags: - Payment intents (cash only) summary: Create a payment intent description: >- Creates a payment intent in the `live` or `test` mode of the API key used. A payment intent represents your intention of collecting a payment from a customer, in CLP for Chilean organizations or MXN for Mexican organizations. The response includes a `widget_token`, only returned on creation, used to initialize the Fintoc widget so the customer can complete the payment. operationId: payment-intents-create parameters: [] requestBody: content: application/json: schema: type: object properties: amount: type: integer example: 100000 description: >- A positive integer representing the amount to pay, in the smallest unit of the currency (for example, `100000` for 100000 CLP, since CLP has no minor unit, or `7050` for 70.50 MXN). currency: type: string enum: - CLP - MXN example: CLP description: >- Three-letter ISO 4217 currency code. One of `CLP` or `MXN`. Must match the currency of your organization's country. customer_email: type: string example: jon.snow@example.com description: >- Email address of the customer. Fintoc uses it for payment notifications, including refund notices. Invalid addresses are discarded without failing the request. expires_at: type: - string - integer example: '2024-12-31T23:59:59Z' description: >- ISO 8601 datetime in UTC or Unix timestamp of when the payment expires and can no longer be paid. Must be in the future, and only valid when `payment_type` is `cash`. Defaults to 3 days after creation. metadata: type: object example: order_id: '9182' description: >- Set of key-value pairs you can attach to the payment intent. Supports up to 50 keys, with key names up to 40 characters and values up to 500 characters. Arrays and nested objects are not allowed. payment_type: type: string enum: - bank_transfer - cash description: >- Payment type the customer uses to pay. One of `bank_transfer` (bank transfer in Chile and Mexico) or `cash` (cash deposit at a sale point, Mexico only). Defaults to `bank_transfer`. recipient_account: type: object description: >- Bank account that receives the payment. Chile only, and only if your organization uses direct payments; organizations that collect through Fintoc must omit it. properties: holder_id: type: string example: '111111111' description: Tax identifier (RUT) of the account holder. institution_id: type: string example: cl_banco_de_chile description: Identifier of the institution of the account. number: type: string description: Number of the account. example: '123456789' type: type: string enum: - checking_account - savings_account - sight_account - rut_account - line_of_credit - credit_card example: checking_account description: Type of the account. required: - holder_id - institution_id - number - type reference_number: type: string description: >- Numeric reference attached to the SPEI transfer. Mexico only. sender_account: type: object description: >- Bank account the customer pays from. Chile only. Fintoc uses it to validate transfer limits when creating the payment intent. properties: holder_id: type: string example: '111111111' description: Tax identifier (RUT) of the account holder. institution_id: type: string example: cl_banco_de_chile description: Identifier of the institution of the account. required: - amount - currency examples: create_clp_payment_intent: summary: Create a CLP payment intent value: amount: 100000 currency: CLP customer_email: jon.snow@example.com metadata: order_id: '9182' recipient_account: holder_id: '111111111' institution_id: cl_banco_de_chile number: '123456789' type: checking_account create_mxn_cash_payment_intent: summary: Create an MXN cash payment intent value: amount: 150000 currency: MXN expires_at: '2024-12-31T23:59:59Z' payment_type: cash responses: '201': description: >- Payment intent created. The `widget_token` is only returned in this response. content: application/json: examples: payment_intent_created: value: id: pi_BO381oEATXonG6bj object: payment_intent amount: 100000 business_profile: null created_at: '2021-10-15T15:23:11.474Z' currency: CLP customer: null customer_email: jon.snow@example.com error_reason: null expires_at: null metadata: order_id: '9182' mode: live next_action: null payment_method: null payment_type: bank_transfer payment_type_options: {} recipient_account: holder_id: '111111111' institution_id: cl_banco_de_chile number: '123456789' type: checking_account reference_id: null sender_account: null status: created subscription: null transaction_date: null widget_token: pi_BO381oEATXonG6bj_sec_aBcDeFgHiJkLmNoP schema: $ref: '#/components/schemas/payment_intent' '400': description: >- Invalid request: a required parameter is missing or has an invalid value, the `recipient_account` is invalid, the amount is outside the permitted limits, or your organization cannot create `live` payment intents without a payout account. content: application/json: examples: missing_amount: value: error: type: invalid_request_error code: missing_parameter param: amount message: 'Missing required param: amount' doc_url: https://docs.fintoc.com/reference/errors invalid_recipient_account: value: error: type: invalid_request_error code: invalid_payment_recipient_account param: recipient_account.type message: 'Invalid payment recipient_account: invalid type "vista"' doc_url: https://docs.fintoc.com/reference/errors schema: $ref: '#/components/schemas/error_object' '401': description: Invalid or missing API key. content: application/json: examples: invalid_api_key: value: error: type: authentication_error code: invalid_api_key message: 'Invalid API Key: invalid-*oken' schema: $ref: '#/components/schemas/error_object' '402': description: >- Your organization has no payment method enabled for the requested payment type in `live` mode. content: application/json: examples: payment_required: value: error: type: api_error code: payment_required message: >- No payment methods are available for this organization. Please enable at least one payment method. doc_url: https://docs.fintoc.com/docs/errors schema: $ref: '#/components/schemas/error_object' '422': description: The requested payment method is temporarily unavailable. content: application/json: examples: payment_method_unavailable: value: error: type: invalid_request_error code: payment_method_unavailable message: >- The payment method 'cash' is temporarily unavailable. Try again later. doc_url: https://docs.fintoc.com/docs/errors schema: $ref: '#/components/schemas/error_object' security: - api_key: [] components: schemas: payment_intent: type: object properties: id: type: string description: Unique identifier of the payment intent. example: pi_BO381oEATXonG6bj object: const: payment_intent description: Type of the object. Always `payment_intent`. amount: type: integer description: >- Amount of the payment intent, in the smallest unit of the currency (for example, `100000` for 100000 CLP, since CLP has no minor unit, or `7050` for 70.50 MXN). example: 100000 business_profile: type: - object - 'null' description: >- Profile of the business that collects the payment, when provided. `null` otherwise. properties: category: type: string description: Category of the business. name: type: string description: Name of the business. tax_id: type: string description: Tax identifier of the business. created_at: type: string format: date-time description: ISO 8601 timestamp of when the payment intent was created. example: '2021-10-15T15:23:11.474Z' currency: type: string enum: - CLP - MXN description: >- Three-letter ISO 4217 currency code of the payment intent. One of `CLP` or `MXN`. example: CLP customer: type: - object - 'null' description: >- Customer associated with the payment intent, when it was created from a checkout session with a customer. `null` otherwise. properties: id: type: string description: Unique identifier of the customer. object: const: customer description: Type of the object. Always `customer`. address: type: - object - 'null' description: Address of the customer. `null` when not provided. properties: city: type: string description: City of the address. country: type: string description: Country of the address. line1: type: string description: First line of the address. line2: type: string description: Second line of the address. postal_code: type: string description: Postal code of the address. state: type: string description: State of the address. created_at: type: string format: date-time description: ISO 8601 timestamp of when the customer was created. email: type: - string - 'null' description: Email address of the customer. metadata: type: object description: Set of key-value pairs attached to the customer. mode: type: string description: Mode of the customer. One of `live` or `test`. name: type: - string - 'null' description: Name of the customer. phone: type: - string - 'null' description: Phone number of the customer. tax_id: type: - object - 'null' description: Tax identifier of the customer. `null` when not provided. properties: type: type: string description: Type of the tax identifier, for example `cl_rut`. value: type: string description: Value of the tax identifier. customer_email: type: - string - 'null' description: >- Email address of the customer that receives payment notifications. `null` when not provided. example: jon.snow@example.com error_reason: type: - string - 'null' description: >- Reason why the payment failed, was rejected, or expired. `null` while the payment is in progress and when it succeeds. example: insufficient_funds expires_at: type: - string - 'null' format: date-time description: >- ISO 8601 timestamp of when the payment expires and can no longer be paid. Only set for cash payments; `null` otherwise. metadata: type: object description: Set of key-value pairs attached to the payment intent. example: order_id: '9182' mode: $ref: '#/components/schemas/mode' next_action: type: - object - 'null' description: >- Action the customer must complete to continue the payment, as reported by the widget. `null` when no action is pending. payment_method: type: - string - 'null' description: >- Identifier of the payment method used to pay, when the payment intent comes from a checkout session or a subscription. `null` otherwise. example: pm_1x7vKQ8oEATXonG6 payment_type: type: string description: Payment type used to pay, such as `bank_transfer` or `cash`. example: bank_transfer payment_type_options: type: object description: >- Options specific to the payment type. For card payments, the object contains a `card` object. For cash payments, the object contains a `cash` object with the `reference_number`, `barcode_url`, and `voucher_url` of the payment. For bank transfers, the object is empty. properties: card: type: object description: Details of the card payment. Present only for card payments. properties: authenticated_with_3ds: type: boolean description: >- If `true`, the cardholder completed 3-D Secure authentication for this payment. example: true bank: type: - string - 'null' description: >- Name of the bank that issued the card. `null` when the issuing bank is unknown. example: Banco de Chile brand: type: string description: Brand of the card. example: visa country: type: string description: >- Display name of the country where the card was issued, in English. example: Chile kind: type: string description: Kind of card. One of `credit`, `debit`, or `prepaid`. example: credit last_four_digits: type: - string - 'null' description: >- Last four digits of the card number. `null` when the digits are not available. example: '4242' wallet: type: - string - 'null' enum: - apple_pay - google_pay - null description: >- Digital wallet used for the card payment. One of `apple_pay` or `google_pay`. `null` for cards entered manually. example: apple_pay example: {} recipient_account: type: - object - 'null' description: Bank account that receives the payment. `null` for cash payments. properties: holder_id: type: - string - 'null' description: >- Tax identifier of the account holder (RUT in Chile, RFC in Mexico). example: '111111111' institution_id: type: - string - 'null' description: Identifier of the institution of the account. example: cl_banco_de_chile number: type: - string - 'null' description: Number of the account. In Mexico, the CLABE. example: '123456789' type: type: - string - 'null' description: >- Type of the account, such as `checking_account` or `sight_account`. example: checking_account required: - holder_id - number - type - institution_id reference_id: type: - string - 'null' description: >- Identifier of the transfer assigned by the institution. `null` until the transfer is executed. example: '90123712' sender_account: type: - object - 'null' description: >- Bank account the customer pays from. `null` until Fintoc identifies the sender. properties: holder_id: type: string description: >- Tax identifier of the account holder (RUT in Chile, RFC in Mexico). example: '111111111' institution_id: type: string description: Identifier of the institution of the account. example: cl_banco_estado number: type: string description: Number of the account. example: '123456789' type: type: string description: >- Type of the account, such as `checking_account` or `sight_account`. example: checking_account required: - holder_id - number - type - institution_id status: type: string enum: - created - failed - succeeded - rejected - in_progress - pending - expired description: >- Status of the payment intent. One of `created` (the customer has not started the payment), `in_progress` (the customer is paying), `succeeded` (the money reached the recipient account), `rejected` (the institution rejected the transfer), `failed` (the payment could not be completed), `expired` (the payment intent expired before being paid), or `pending` (the final status is not yet known; only used if your organization has the pending status enabled). example: succeeded subscription: type: - string - 'null' description: >- Identifier of the subscription that originated the payment intent. `null` for one-off payments. example: sub_dJOd4hcZby9XK1Lm transaction_date: type: - string - 'null' format: date-time description: >- ISO 8601 timestamp of when the institution executed the transfer. `null` until the transfer is executed. example: '2021-10-15T15:24:15.474Z' widget_token: type: - string - 'null' description: >- Token used to initialize the Fintoc widget for this payment intent. Only returned when the payment intent is created; `null` in every other response. example: pi_BO381oEATXonG6bj_sec_aBcDeFgHiJkLmNoP required: - id - object - amount - created_at - currency - customer - customer_email - error_reason - expires_at - metadata - mode - next_action - payment_method - payment_type - payment_type_options - recipient_account - reference_id - sender_account - status - subscription - transaction_date - widget_token error_object: type: object properties: error: type: object description: Details of the error that caused the request to fail. properties: code: type: string description: >- Machine-readable code identifying the specific error, for example `invalid_api_key`. Not returned by every error. example: invalid_api_key doc_url: type: string description: >- URL of a documentation page with more details about the error. Not returned by every error. example: https://docs.fintoc.com/reference/errors message: type: string description: Human-readable message describing the error. example: 'Invalid API Key: invalid-*oken' param: type: - string - 'null' description: >- Name of the request parameter that caused the error. `null` when the error cannot be tied to a single parameter, and not returned by every error. example: amount type: type: string description: >- Category of the error, for example `invalid_request_error`, `authentication_error`, or `api_error`. example: invalid_request_error required: - type - message mode: type: string enum: - test - live description: >- Mode of the object. `live` objects use real institution data, `test` objects use fake data for integration testing. example: live securitySchemes: api_key: type: apiKey name: Authorization in: header ````