Create a customer

curl --request POST \
  --url https://api.fintoc.com/v2/customers \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "address": {
    "city": "Santiago",
    "country": "CL",
    "line1": "Av. Providencia 123",
    "line2": "Depto 45",
    "postal_code": "7500000",
    "state": "RM"
  },
  "email": "jared@piedpiper.com",
  "metadata": {
    "order_id": "12345"
  },
  "name": "Test Customer 1",
  "phone": "+56911111111",
  "tax_id": {
    "type": "cl_rut",
    "value": "11111111-1"
  }
}
'

import requests

url = "https://api.fintoc.com/v2/customers"

payload = {
    "address": {
        "city": "Santiago",
        "country": "CL",
        "line1": "Av. Providencia 123",
        "line2": "Depto 45",
        "postal_code": "7500000",
        "state": "RM"
    },
    "email": "jared@piedpiper.com",
    "metadata": { "order_id": "12345" },
    "name": "Test Customer 1",
    "phone": "+56911111111",
    "tax_id": {
        "type": "cl_rut",
        "value": "11111111-1"
    }
}
headers = {
    "Authorization": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    address: {
      city: 'Santiago',
      country: 'CL',
      line1: 'Av. Providencia 123',
      line2: 'Depto 45',
      postal_code: '7500000',
      state: 'RM'
    },
    email: 'jared@piedpiper.com',
    metadata: {order_id: '12345'},
    name: 'Test Customer 1',
    phone: '+56911111111',
    tax_id: {type: 'cl_rut', value: '11111111-1'}
  })
};

fetch('https://api.fintoc.com/v2/customers', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.fintoc.com/v2/customers",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'address' => [
        'city' => 'Santiago',
        'country' => 'CL',
        'line1' => 'Av. Providencia 123',
        'line2' => 'Depto 45',
        'postal_code' => '7500000',
        'state' => 'RM'
    ],
    'email' => 'jared@piedpiper.com',
    'metadata' => [
        'order_id' => '12345'
    ],
    'name' => 'Test Customer 1',
    'phone' => '+56911111111',
    'tax_id' => [
        'type' => 'cl_rut',
        'value' => '11111111-1'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: <api-key>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.fintoc.com/v2/customers"

	payload := strings.NewReader("{\n  \"address\": {\n    \"city\": \"Santiago\",\n    \"country\": \"CL\",\n    \"line1\": \"Av. Providencia 123\",\n    \"line2\": \"Depto 45\",\n    \"postal_code\": \"7500000\",\n    \"state\": \"RM\"\n  },\n  \"email\": \"jared@piedpiper.com\",\n  \"metadata\": {\n    \"order_id\": \"12345\"\n  },\n  \"name\": \"Test Customer 1\",\n  \"phone\": \"+56911111111\",\n  \"tax_id\": {\n    \"type\": \"cl_rut\",\n    \"value\": \"11111111-1\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.fintoc.com/v2/customers")
  .header("Authorization", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"address\": {\n    \"city\": \"Santiago\",\n    \"country\": \"CL\",\n    \"line1\": \"Av. Providencia 123\",\n    \"line2\": \"Depto 45\",\n    \"postal_code\": \"7500000\",\n    \"state\": \"RM\"\n  },\n  \"email\": \"jared@piedpiper.com\",\n  \"metadata\": {\n    \"order_id\": \"12345\"\n  },\n  \"name\": \"Test Customer 1\",\n  \"phone\": \"+56911111111\",\n  \"tax_id\": {\n    \"type\": \"cl_rut\",\n    \"value\": \"11111111-1\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.fintoc.com/v2/customers")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"address\": {\n    \"city\": \"Santiago\",\n    \"country\": \"CL\",\n    \"line1\": \"Av. Providencia 123\",\n    \"line2\": \"Depto 45\",\n    \"postal_code\": \"7500000\",\n    \"state\": \"RM\"\n  },\n  \"email\": \"jared@piedpiper.com\",\n  \"metadata\": {\n    \"order_id\": \"12345\"\n  },\n  \"name\": \"Test Customer 1\",\n  \"phone\": \"+56911111111\",\n  \"tax_id\": {\n    \"type\": \"cl_rut\",\n    \"value\": \"11111111-1\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "id": "cus_0ujsswThIGTUYm2K8FjOOfXtY1K",
  "object": "customer",
  "address": {
    "city": "Santiago",
    "country": "cl",
    "line1": "Av. Providencia 123",
    "line2": "Depto 45",
    "postal_code": "7500000",
    "state": "RM"
  },
  "created_at": "2026-01-15T14:30:00Z",
  "email": "jared@piedpiper.com",
  "metadata": {
    "order_id": "12345"
  },
  "mode": "live",
  "name": "Test Customer 1",
  "phone": "+56911111111",
  "tax_id": {
    "type": "cl_rut",
    "value": "111111111"
  }
}

{
  "error": {
    "type": "invalid_request_error",
    "code": "missing_parameter",
    "param": "email",
    "message": "either email or tax_id must be present",
    "doc_url": "https://docs.fintoc.com/reference/errors"
  }
}

{
  "error": {
    "type": "authentication_error",
    "code": "invalid_api_key",
    "message": "Invalid API Key: invalid-*oken"
  }
}

{
  "error": {
    "type": "conflicted_request_error",
    "code": "conflicted_request",
    "message": "A Customer with this tax_id already exists"
  }
}

POST

customers

Create a customer

curl --request POST \
  --url https://api.fintoc.com/v2/customers \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "address": {
    "city": "Santiago",
    "country": "CL",
    "line1": "Av. Providencia 123",
    "line2": "Depto 45",
    "postal_code": "7500000",
    "state": "RM"
  },
  "email": "jared@piedpiper.com",
  "metadata": {
    "order_id": "12345"
  },
  "name": "Test Customer 1",
  "phone": "+56911111111",
  "tax_id": {
    "type": "cl_rut",
    "value": "11111111-1"
  }
}
'

import requests

url = "https://api.fintoc.com/v2/customers"

payload = {
    "address": {
        "city": "Santiago",
        "country": "CL",
        "line1": "Av. Providencia 123",
        "line2": "Depto 45",
        "postal_code": "7500000",
        "state": "RM"
    },
    "email": "jared@piedpiper.com",
    "metadata": { "order_id": "12345" },
    "name": "Test Customer 1",
    "phone": "+56911111111",
    "tax_id": {
        "type": "cl_rut",
        "value": "11111111-1"
    }
}
headers = {
    "Authorization": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    address: {
      city: 'Santiago',
      country: 'CL',
      line1: 'Av. Providencia 123',
      line2: 'Depto 45',
      postal_code: '7500000',
      state: 'RM'
    },
    email: 'jared@piedpiper.com',
    metadata: {order_id: '12345'},
    name: 'Test Customer 1',
    phone: '+56911111111',
    tax_id: {type: 'cl_rut', value: '11111111-1'}
  })
};

fetch('https://api.fintoc.com/v2/customers', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.fintoc.com/v2/customers",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'address' => [
        'city' => 'Santiago',
        'country' => 'CL',
        'line1' => 'Av. Providencia 123',
        'line2' => 'Depto 45',
        'postal_code' => '7500000',
        'state' => 'RM'
    ],
    'email' => 'jared@piedpiper.com',
    'metadata' => [
        'order_id' => '12345'
    ],
    'name' => 'Test Customer 1',
    'phone' => '+56911111111',
    'tax_id' => [
        'type' => 'cl_rut',
        'value' => '11111111-1'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: <api-key>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.fintoc.com/v2/customers"

	payload := strings.NewReader("{\n  \"address\": {\n    \"city\": \"Santiago\",\n    \"country\": \"CL\",\n    \"line1\": \"Av. Providencia 123\",\n    \"line2\": \"Depto 45\",\n    \"postal_code\": \"7500000\",\n    \"state\": \"RM\"\n  },\n  \"email\": \"jared@piedpiper.com\",\n  \"metadata\": {\n    \"order_id\": \"12345\"\n  },\n  \"name\": \"Test Customer 1\",\n  \"phone\": \"+56911111111\",\n  \"tax_id\": {\n    \"type\": \"cl_rut\",\n    \"value\": \"11111111-1\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.fintoc.com/v2/customers")
  .header("Authorization", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"address\": {\n    \"city\": \"Santiago\",\n    \"country\": \"CL\",\n    \"line1\": \"Av. Providencia 123\",\n    \"line2\": \"Depto 45\",\n    \"postal_code\": \"7500000\",\n    \"state\": \"RM\"\n  },\n  \"email\": \"jared@piedpiper.com\",\n  \"metadata\": {\n    \"order_id\": \"12345\"\n  },\n  \"name\": \"Test Customer 1\",\n  \"phone\": \"+56911111111\",\n  \"tax_id\": {\n    \"type\": \"cl_rut\",\n    \"value\": \"11111111-1\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.fintoc.com/v2/customers")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"address\": {\n    \"city\": \"Santiago\",\n    \"country\": \"CL\",\n    \"line1\": \"Av. Providencia 123\",\n    \"line2\": \"Depto 45\",\n    \"postal_code\": \"7500000\",\n    \"state\": \"RM\"\n  },\n  \"email\": \"jared@piedpiper.com\",\n  \"metadata\": {\n    \"order_id\": \"12345\"\n  },\n  \"name\": \"Test Customer 1\",\n  \"phone\": \"+56911111111\",\n  \"tax_id\": {\n    \"type\": \"cl_rut\",\n    \"value\": \"11111111-1\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "id": "cus_0ujsswThIGTUYm2K8FjOOfXtY1K",
  "object": "customer",
  "address": {
    "city": "Santiago",
    "country": "cl",
    "line1": "Av. Providencia 123",
    "line2": "Depto 45",
    "postal_code": "7500000",
    "state": "RM"
  },
  "created_at": "2026-01-15T14:30:00Z",
  "email": "jared@piedpiper.com",
  "metadata": {
    "order_id": "12345"
  },
  "mode": "live",
  "name": "Test Customer 1",
  "phone": "+56911111111",
  "tax_id": {
    "type": "cl_rut",
    "value": "111111111"
  }
}

{
  "error": {
    "type": "invalid_request_error",
    "code": "missing_parameter",
    "param": "email",
    "message": "either email or tax_id must be present",
    "doc_url": "https://docs.fintoc.com/reference/errors"
  }
}

{
  "error": {
    "type": "authentication_error",
    "code": "invalid_api_key",
    "message": "Invalid API Key: invalid-*oken"
  }
}

{
  "error": {
    "type": "conflicted_request_error",
    "code": "conflicted_request",
    "message": "A Customer with this tax_id already exists"
  }
}

v2 · Base URL https://api.fintoc.com/v2

Authorizations

Authorization

string

header

required

Body

application/json

address

object

Customer's address.

Show child attributes

string

Customer's email. At least one of email or tax_id is required.

Example:

"jared@piedpiper.com"

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.

Example:

{ "order_id": "12345" }

name

string

Customer's full name or business name.

Example:

"Test Customer 1"

phone

string

Customer's phone number in E.164 format, including the country code (for example +56911111111).

Example:

"+56911111111"

tax_id

object

Tax identifier (Chilean RUT or Mexican RFC). At least one of email or tax_id is required.

Show child attributes

Response

Customer created.

string

required

Unique identifier of the customer.

Example:

"cus_0ujsswThIGTUYm2K8FjOOfXtY1K"

object

any

required

Type of the object. Always customer.

address

object | null

required

Customer's address. Only the fields with a value are returned. null when the customer has no address information.

Show child attributes

created_at

string<date-time>

required

ISO 8601 datetime, in UTC, of when the customer was created.

Example:

"2026-01-15T14:30:00Z"

string | null

required

Customer's email, stored in lowercase. null if not provided.

Example:

"jared@piedpiper.com"

metadata

object

required

Set of key-value pairs that you can attach to an object. Useful for storing additional information about the object in a structured format.

Example:

{ "order_id": "12345" }

mode

enum<string>

required

Mode of the customer, matching the mode of the API key used to create it. One of live or test.

Available options:

live,

test

Example:

"live"

name

string | null

required

Customer's full name or business name. null if not provided.

Example:

"Test Customer 1"

phone

string | null

required

Customer's phone number in E.164 format, including the country code (for example +56911111111). null if not provided.

Example:

"+56911111111"

tax_id

object | null

required

Tax identifier of the customer (Chilean RUT or Mexican RFC). null if not provided.

Show child attributes

The Customer object List customers

Fintoc API

Main Resources

Payments API

Transfers API

Movements API

Direct Debit (Legacy)

Fiscal API

Create a customer

Authorizations

Body

Response