> ## 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. # The Payment Intent object ## The Payment Intent object The `PaymentIntent` object represents a single payment your customer makes toward your account, where the `payment_type` field identifies the method behind it, such as `bank_transfer`, `card`, `installment`, or `cash`. It appears when you create a payment, as the `payment_resource` of a `Checkout Session` once your customer pays, and in payment webhook events. Its `status` field tracks the payment through `created`, `in_progress`, `succeeded`, `failed`, `pending`, `requires_action`, `expired`, and `rejected`. ```json Payment Intent Object theme={null} { "id": "pi_BO381oEATXonG6bj", "object": "payment_intent", "amount": 1000, "business_profile": { "category": "009613", "name": "Test Business 1", "tax_id": "777777777" }, "created_at": "2021-10-15T15:23:11.474Z", "currency": "CLP", "customer": null, "customer_email": "customer@example.com", "error_reason": null, "expires_at": null, "metadata": {}, "mode": "live", "next_action": null, "payment_method": null, "payment_type": "bank_transfer", "payment_type_options": {}, "recipient_account": { "holder_id": "222222222", "institution_id": "cl_banco_de_chile", "number": "123456", "type": "checking_account" }, "reference_id": "90123712", "sender_account": { "holder_id": "111111111", "institution_id": "cl_banco_estado", "number": "123456", "type": "checking_account" }, "status": "created", "subscription": null, "transaction_date": "2021-10-15T15:24:15.474Z", "widget_token": "pi_BO381oEATXonG6bj_sec_a4xK32BanKWYn" } ``` | Attribute | Type | Description | | :--------------------- | :----------------- | :-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `id` | `string` | Unique identifier of the Payment Intent. | | `object` | `string` | Type of the object. Always `payment_intent`. | | `amount` | `integer` | Amount to pay, in the smallest unit of `currency`. `CLP` has no decimals, so `5000` means 5000 pesos; `MXN` uses *centavos*, so `5000` means 50.00 pesos. Must be greater than `0`. | | `business_profile` | `object` or `null` | Business that receives the payment, when you collect it on behalf of a sub-merchant. `null` when not provided. See the [Business Profile object](#the-business-profile-object-within-the-payment-intent-object) below. | | `created_at` | `string` | ISO 8601 timestamp of when the Payment Intent was created, in UTC. | | `currency` | `string` | Three-letter ISO 4217 currency code, in uppercase. One of `CLP` or `MXN`. | | `customer` | `object` or `null` | Customer associated with the Payment Intent. `null` when no customer is attached. | | `customer_email` | `string` or `null` | Email of your customer, used for refund notifications. `null` when not provided, in which case Fintoc does not send refund emails for the Payment Intent. | | `error_reason` | `string` or `null` | Error code explaining why the Payment Intent failed. `null` when the payment has not failed. See [Payment Intent Error Reason](/reference/payments-api/payment-intents/payment-intent-error-reason) for the list of error reasons. | | `expires_at` | `string` or `null` | ISO 8601 timestamp of when the Payment Intent expires, in UTC. `null` when the Payment Intent does not expire. | | `metadata` | `object` | Set of [key-value](/reference/fintoc-api/metadata) pairs you can attach to the Payment Intent, useful for storing additional information in a structured format. | | `mode` | `string` | Mode of the object. `live` uses real institution data; `test` uses fake data for integration testing. | | `next_action` | `object` or `null` | Action your customer must complete for the payment to continue, such as confirming the payment in a banking app. The `type` key indicates the kind of action. `null` when no action is pending. | | `payment_method` | `string` or `null` | `id` of the saved payment method that paid the Payment Intent. `null` when the payment was not made with a saved payment method. | | `payment_type` | `string` | Type of payment that produced this Payment Intent. One of `bank_transfer`, `cash`, `card`, `installment`, or `pac` (automatic recurring bank debit), or a provider-specific external redirect identifier such as `banco_estado`. | | `payment_type_options` | `object` | Additional options specific to `payment_type`. Empty object when `payment_type` has no extra options. | | `recipient_account` | `object` or `null` | Account that receives the payment. `null` when `payment_type` is not `bank_transfer`. See [The Recipient Account object and the Sender Account object](#the-recipient-account-object-and-the-sender-account-object-within-the-payment-intent-object) below. | | `reference_id` | `string` or `null` | Operation number from the bank of the sender account. `null` when a payment takes longer than usual to be confirmed by the bank, or when your customer abandoned the payment before returning an operation number. | | `sender_account` | `object` or `null` | Account that sends the payment. `null` when `payment_type` is not `bank_transfer`, or when your customer abandons the payment before choosing a sender account. See [The Recipient Account object and the Sender Account object](#the-recipient-account-object-and-the-sender-account-object-within-the-payment-intent-object) below. | | `status` | `string` | Payment status. One of `created` (the payment has not started), `in_progress` (Fintoc is processing the payment), `succeeded` (the payment completed), `failed` (the payment did not complete), `pending` (the payment is awaiting confirmation), `requires_action` (your customer must complete the action in `next_action`), `expired` (the payment expired before completing), or `rejected` (the payment was rejected). | | `subscription` | `string` or `null` | `id` of the subscription that generated this Payment Intent. `null` when the payment is not part of a subscription. | | `transaction_date` | `string` or `null` | ISO 8601 timestamp of when the bank authorized the transaction, in UTC. `null` when your customer abandoned the payment before transferring. | | `widget_token` | `string` or `null` | Temporary token used to configure the widget. Only returned when you create the Payment Intent; `null` afterward. | ## The Recipient Account object and the Sender Account object (within the Payment Intent object) These objects describe the bank accounts on each side of the payment, returned in the `recipient_account` field for the account that receives the funds and the `sender_account` field for the customer's account that pays. They apply only when `payment_type` is `bank_transfer`; for other payment types, both fields are `null`. | Attribute | Type | Description | | :--------------- | :------- | :---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `holder_id` | `string` | Account owner's tax ID. In Chile, this value is a Chilean tax ID (RUT). In Mexico, this value is a Mexican tax ID (RFC) or unique population registry code (CURP). | | `institution_id` | `string` | Account's institution `id`. Learn more about institutions and their `id`s in [Payment initiation countries and institutions](/docs/payments/overview-payment-initiation/payment-initiation-countries-and-institutions). | | `number` | `string` | Account number. Does not include hyphens or prefixed zeros. | | `type` | `string` | Account type. One of `checking_account` or `sight_account`. | ## The Business Profile object (within the Payment Intent object) This object describes the business that receives the payment when you collect it on behalf of a sub-merchant, returned in the `business_profile` field. | Attribute | Type | Description | | :--------- | :------- | :------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | `category` | `string` | Identifier of the category of the sub-merchant. In Chile, it is a 6-character [SII activity code](https://www.sii.cl/ayudas/ayudas_por_servicios/1956-codigos-1959.html). | | `name` | `string` | Enrolled merchant's name. If set, it appears as the "Recipient" on the succeeded payment screen. | | `tax_id` | `string` | Enrolled merchant's tax ID. In Chile, it is a Chilean tax ID (RUT). In Mexico, it is a Mexican tax ID (RFC) or unique population registry code (CURP). |