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. Available for organizations on API version 2026-02-01 or later.
v2 · Base URL https://api.fintoc.com/v2Authorizations
Body
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.
5000
Three-letter ISO 4217 currency code, in uppercase. One of CLP or MXN.
CLP, MXN "CLP"
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.
"pm_2bArifJWQ6CiZSofWxBNL1Hri2u"
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.
Response
Payment intent created. The charge starts in the created status; Fintoc processes the charge asynchronously.
Unique identifier of the payment intent.
"pi_2cKoy3PEXAuvkr4ofXC1KdMvCgZ"
Type of the object. Always payment_intent.
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.
5000
Time the payment intent was created, as an ISO 8601 datetime in UTC.
"2026-02-10T15:23:11Z"
Three-letter ISO 4217 currency code, returned in uppercase (for example, CLP or MXN).
CLP, MXN "CLP"
Customer associated with the payment intent. Present when the payment intent was created from a checkout session with an associated customer; null otherwise.
Email collected from the customer at payment time, when available. May differ from customer.email.
"customer@example.com"
Reason why the payment failed. null unless the payment finished unsuccessfully.
null
Time the payment intent expires, as an ISO 8601 datetime in UTC. null when the payment intent does not expire.
null
Set of key-value pairs attached to the payment intent at creation. Defaults to an empty object.
Mode of the payment intent. live for real payments, test for payments created with a test API key.
live, test "live"
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.
null
Identifier of the payment method associated with the payment intent, when available.
"pm_2bArifJWQ6CiZSofWxBNL1Hri2u"
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.
"bank_transfer"
Additional options specific to the payment type. For card payments, the object contains a card object. The object is empty when the payment type has no extra options.
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.
Identifier given by the institution that processed the payment, when available.
"90123712"
Bank account that sent the payment. null when the sender account is unknown.
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.
created, failed, succeeded, rejected, in_progress, pending, expired "succeeded"
Identifier of the subscription that originated the payment intent, when the payment was created from a subscription invoice. null otherwise.
null
Time the institution processed the payment, as an ISO 8601 datetime in UTC. null when not available.
"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.
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.