Simulate receiving a transfer

curl --request POST \
  --url https://api.fintoc.com/v2/simulate/receive_transfer \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "account_number_id": "acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN",
  "amount": 1500,
  "currency": "CLP",
  "comment": "Test deposit",
  "reference_id": "1234567",
  "counterparty_account_number": "646180111800000000",
  "counterparty_account_type": "checking_account",
  "counterparty_institution_id": "cl_banco_santander",
  "counterparty_holder_id": "11.111.111-1",
  "counterparty_holder_name": "Test Customer 1"
}
'

import requests

url = "https://api.fintoc.com/v2/simulate/receive_transfer"

payload = {
    "account_number_id": "acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN",
    "amount": 1500,
    "currency": "CLP",
    "comment": "Test deposit",
    "reference_id": "1234567",
    "counterparty_account_number": "646180111800000000",
    "counterparty_account_type": "checking_account",
    "counterparty_institution_id": "cl_banco_santander",
    "counterparty_holder_id": "11.111.111-1",
    "counterparty_holder_name": "Test Customer 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({
    account_number_id: 'acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN',
    amount: 1500,
    currency: 'CLP',
    comment: 'Test deposit',
    reference_id: '1234567',
    counterparty_account_number: '646180111800000000',
    counterparty_account_type: 'checking_account',
    counterparty_institution_id: 'cl_banco_santander',
    counterparty_holder_id: '11.111.111-1',
    counterparty_holder_name: 'Test Customer 1'
  })
};

fetch('https://api.fintoc.com/v2/simulate/receive_transfer', 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/simulate/receive_transfer",
  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([
    'account_number_id' => 'acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN',
    'amount' => 1500,
    'currency' => 'CLP',
    'comment' => 'Test deposit',
    'reference_id' => '1234567',
    'counterparty_account_number' => '646180111800000000',
    'counterparty_account_type' => 'checking_account',
    'counterparty_institution_id' => 'cl_banco_santander',
    'counterparty_holder_id' => '11.111.111-1',
    'counterparty_holder_name' => 'Test Customer 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/simulate/receive_transfer"

	payload := strings.NewReader("{\n  \"account_number_id\": \"acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN\",\n  \"amount\": 1500,\n  \"currency\": \"CLP\",\n  \"comment\": \"Test deposit\",\n  \"reference_id\": \"1234567\",\n  \"counterparty_account_number\": \"646180111800000000\",\n  \"counterparty_account_type\": \"checking_account\",\n  \"counterparty_institution_id\": \"cl_banco_santander\",\n  \"counterparty_holder_id\": \"11.111.111-1\",\n  \"counterparty_holder_name\": \"Test Customer 1\"\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/simulate/receive_transfer")
  .header("Authorization", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"account_number_id\": \"acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN\",\n  \"amount\": 1500,\n  \"currency\": \"CLP\",\n  \"comment\": \"Test deposit\",\n  \"reference_id\": \"1234567\",\n  \"counterparty_account_number\": \"646180111800000000\",\n  \"counterparty_account_type\": \"checking_account\",\n  \"counterparty_institution_id\": \"cl_banco_santander\",\n  \"counterparty_holder_id\": \"11.111.111-1\",\n  \"counterparty_holder_name\": \"Test Customer 1\"\n}")
  .asString();

require 'uri'
require 'net/http'

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

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  \"account_number_id\": \"acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN\",\n  \"amount\": 1500,\n  \"currency\": \"CLP\",\n  \"comment\": \"Test deposit\",\n  \"reference_id\": \"1234567\",\n  \"counterparty_account_number\": \"646180111800000000\",\n  \"counterparty_account_type\": \"checking_account\",\n  \"counterparty_institution_id\": \"cl_banco_santander\",\n  \"counterparty_holder_id\": \"11.111.111-1\",\n  \"counterparty_holder_name\": \"Test Customer 1\"\n}"

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

{
  "id": "tr_2daFu0zqqDtZGJaSi2TGI2Mm1nN",
  "object": "<unknown>",
  "account_number": {
    "id": "acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN",
    "object": "<unknown>",
    "account_id": "acc_2hQ9vBmKpR7xLtZ3sWn1fJ4dGcA",
    "created_at": "2026-03-01T12:00:00.000Z",
    "deleted_at": null,
    "description": "Payouts CLABE",
    "is_root": false,
    "last_transfer_at": null,
    "metadata": {
      "invoice_id": "12345"
    },
    "mode": "test",
    "number": "646180111800000000",
    "options": {
      "min_amount": 1000,
      "max_amount": 1000000
    },
    "status": "enabled",
    "updated_at": "2026-03-01T12:00:00.000Z"
  },
  "amount": 50000,
  "comment": "Payout March",
  "counterparty": {
    "account_number": "132000000000000004",
    "account_type": "clabe",
    "email": null,
    "holder_id": null,
    "holder_name": "Test Customer 1",
    "institution": {
      "id": "40132",
      "name": "MULTIVA BANCO",
      "country": "mx"
    }
  },
  "currency": "MXN",
  "direction": "outbound",
  "entity": {
    "id": "ent_2eGhTp1rLqWnXkZbYc4JsKmAvD9",
    "holder_id": "000000000",
    "holder_name": "Test Customer 1",
    "is_root": true
  },
  "metadata": {
    "test_key": "test_value"
  },
  "mode": "test",
  "post_date": null,
  "receipt_url": null,
  "reference_id": null,
  "return_reason": null,
  "status": "succeeded",
  "tracking_key": null,
  "transaction_date": "2026-03-01T12:00:00.000Z"
}

{
  "error": {
    "type": "invalid_request_error",
    "code": "invalid_request",
    "message": "Amount must be greater than 0"
  }
}

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

POST

simulate

receive_transfer

Simulate receiving a transfer

curl --request POST \
  --url https://api.fintoc.com/v2/simulate/receive_transfer \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "account_number_id": "acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN",
  "amount": 1500,
  "currency": "CLP",
  "comment": "Test deposit",
  "reference_id": "1234567",
  "counterparty_account_number": "646180111800000000",
  "counterparty_account_type": "checking_account",
  "counterparty_institution_id": "cl_banco_santander",
  "counterparty_holder_id": "11.111.111-1",
  "counterparty_holder_name": "Test Customer 1"
}
'

import requests

url = "https://api.fintoc.com/v2/simulate/receive_transfer"

payload = {
    "account_number_id": "acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN",
    "amount": 1500,
    "currency": "CLP",
    "comment": "Test deposit",
    "reference_id": "1234567",
    "counterparty_account_number": "646180111800000000",
    "counterparty_account_type": "checking_account",
    "counterparty_institution_id": "cl_banco_santander",
    "counterparty_holder_id": "11.111.111-1",
    "counterparty_holder_name": "Test Customer 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({
    account_number_id: 'acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN',
    amount: 1500,
    currency: 'CLP',
    comment: 'Test deposit',
    reference_id: '1234567',
    counterparty_account_number: '646180111800000000',
    counterparty_account_type: 'checking_account',
    counterparty_institution_id: 'cl_banco_santander',
    counterparty_holder_id: '11.111.111-1',
    counterparty_holder_name: 'Test Customer 1'
  })
};

fetch('https://api.fintoc.com/v2/simulate/receive_transfer', 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/simulate/receive_transfer",
  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([
    'account_number_id' => 'acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN',
    'amount' => 1500,
    'currency' => 'CLP',
    'comment' => 'Test deposit',
    'reference_id' => '1234567',
    'counterparty_account_number' => '646180111800000000',
    'counterparty_account_type' => 'checking_account',
    'counterparty_institution_id' => 'cl_banco_santander',
    'counterparty_holder_id' => '11.111.111-1',
    'counterparty_holder_name' => 'Test Customer 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/simulate/receive_transfer"

	payload := strings.NewReader("{\n  \"account_number_id\": \"acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN\",\n  \"amount\": 1500,\n  \"currency\": \"CLP\",\n  \"comment\": \"Test deposit\",\n  \"reference_id\": \"1234567\",\n  \"counterparty_account_number\": \"646180111800000000\",\n  \"counterparty_account_type\": \"checking_account\",\n  \"counterparty_institution_id\": \"cl_banco_santander\",\n  \"counterparty_holder_id\": \"11.111.111-1\",\n  \"counterparty_holder_name\": \"Test Customer 1\"\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/simulate/receive_transfer")
  .header("Authorization", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"account_number_id\": \"acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN\",\n  \"amount\": 1500,\n  \"currency\": \"CLP\",\n  \"comment\": \"Test deposit\",\n  \"reference_id\": \"1234567\",\n  \"counterparty_account_number\": \"646180111800000000\",\n  \"counterparty_account_type\": \"checking_account\",\n  \"counterparty_institution_id\": \"cl_banco_santander\",\n  \"counterparty_holder_id\": \"11.111.111-1\",\n  \"counterparty_holder_name\": \"Test Customer 1\"\n}")
  .asString();

require 'uri'
require 'net/http'

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

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  \"account_number_id\": \"acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN\",\n  \"amount\": 1500,\n  \"currency\": \"CLP\",\n  \"comment\": \"Test deposit\",\n  \"reference_id\": \"1234567\",\n  \"counterparty_account_number\": \"646180111800000000\",\n  \"counterparty_account_type\": \"checking_account\",\n  \"counterparty_institution_id\": \"cl_banco_santander\",\n  \"counterparty_holder_id\": \"11.111.111-1\",\n  \"counterparty_holder_name\": \"Test Customer 1\"\n}"

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

{
  "id": "tr_2daFu0zqqDtZGJaSi2TGI2Mm1nN",
  "object": "<unknown>",
  "account_number": {
    "id": "acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN",
    "object": "<unknown>",
    "account_id": "acc_2hQ9vBmKpR7xLtZ3sWn1fJ4dGcA",
    "created_at": "2026-03-01T12:00:00.000Z",
    "deleted_at": null,
    "description": "Payouts CLABE",
    "is_root": false,
    "last_transfer_at": null,
    "metadata": {
      "invoice_id": "12345"
    },
    "mode": "test",
    "number": "646180111800000000",
    "options": {
      "min_amount": 1000,
      "max_amount": 1000000
    },
    "status": "enabled",
    "updated_at": "2026-03-01T12:00:00.000Z"
  },
  "amount": 50000,
  "comment": "Payout March",
  "counterparty": {
    "account_number": "132000000000000004",
    "account_type": "clabe",
    "email": null,
    "holder_id": null,
    "holder_name": "Test Customer 1",
    "institution": {
      "id": "40132",
      "name": "MULTIVA BANCO",
      "country": "mx"
    }
  },
  "currency": "MXN",
  "direction": "outbound",
  "entity": {
    "id": "ent_2eGhTp1rLqWnXkZbYc4JsKmAvD9",
    "holder_id": "000000000",
    "holder_name": "Test Customer 1",
    "is_root": true
  },
  "metadata": {
    "test_key": "test_value"
  },
  "mode": "test",
  "post_date": null,
  "receipt_url": null,
  "reference_id": null,
  "return_reason": null,
  "status": "succeeded",
  "tracking_key": null,
  "transaction_date": "2026-03-01T12:00:00.000Z"
}

{
  "error": {
    "type": "invalid_request_error",
    "code": "invalid_request",
    "message": "Amount must be greater than 0"
  }
}

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

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

Authorizations

Authorization

string

header

required

Body

application/json

account_number_id

string

required

Account number that receives the simulated transfer.

Example:

"acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN"

amount

integer

required

Amount to receive, in the smallest currency unit. For MXN this is centavos; CLP has no minor unit. The minimum is 1.

Example:

1500

currency

enum<string>

required

Currency of the transfer. One of CLP, MXN.

Available options:

CLP,

MXN

Example:

"CLP"

comment

string

Comment to attach to the simulated transfer.

Example:

"Test deposit"

reference_id

string

Numeric reference shown in the counterparty statement in Mexico. Up to 7 digits.

Example:

"1234567"

counterparty_account_number

string

Account number of the simulated sender. In Mexico, Fintoc derives the sender's account type and institution from this value. Use a standardized Mexican bank account number (CLABE), debit card number, mobile phone number, or a Chilean bank account number; defaults to a Fintoc test counterparty when omitted.

Example:

"646180111800000000"

counterparty_account_type

string

Type of the simulated sender account, used in Chile. One of checking_account, sight_account, or savings_account.

Example:

"checking_account"

counterparty_institution_id

string

Identifier of the simulated sender's financial institution, used in Chile. Use a bank public ID such as cl_banco_santander. In Mexico, Fintoc ignores this value and derives the institution from counterparty_account_number.

Example:

"cl_banco_santander"

counterparty_holder_id

string

Tax ID of the simulated sender. Use a Chilean tax ID (RUT) in Chile, or a Mexican tax ID (RFC) in Mexico.

Example:

"11.111.111-1"

counterparty_holder_name

string

Name of the simulated sender account holder.

Example:

"Test Customer 1"

Response

The simulated inbound transfer.

A movement of money between one of your accounts and a counterparty. A transfer is outbound when you send money to a counterparty, or inbound when money arrives in one of your account numbers. Fintoc settles transfers over local payment rails in Chile and Mexico.

string

required

Unique identifier of the transfer.

Example:

"tr_2daFu0zqqDtZGJaSi2TGI2Mm1nN"

object

any

required

Type of the object. Always transfer.

account_number

object

required

Show child attributes

amount

integer

required

Amount of the transfer, in the smallest currency unit. For MXN this is centavos; CLP has no minor unit.

Example:

50000

comment

string | null

required

Comment shown to the counterparty, or null.

Example:

"Payout March"

counterparty

object

required

Details of the counterparty of the transfer.

Show child attributes

currency

enum<string>

required

Currency of the transfer. One of CLP, MXN.

Available options:

CLP,

MXN

Example:

"MXN"

direction

enum<string>

required

Whether the transfer is inbound or outbound.

Available options:

inbound,

outbound

Example:

"outbound"

entity

object

required

Entity that owns the account involved in the transfer. For an inbound transfer this is the entity that received the money; for an outbound transfer, the entity that sent it.

Show child attributes

metadata

object

required

Set of key-value pairs attached to the transfer.

Example:

{ "test_key": "test_value" }

mode

enum<string>

required

Whether the transfer is live or test data.

Available options:

live,

test

Example:

"test"

post_date

string<date-time> | null

required

Time the transfer was posted, as an ISO 8601 datetime in UTC, or null.

Example:

null

receipt_url

string | null

required

URL of the transfer receipt, or null.

Example:

null

reference_id

string | null

required

Numeric reference shown in the counterparty statement in Mexico, or null.

Example:

null

return_reason

string | null

required

Reason code when the transfer was returned, or null.

Example:

null

status

enum<string>

required

Lifecycle status of the transfer. One of pending (being processed), succeeded (settled), rejected (rejected before settling), failed (could not be processed), returned (settled, then returned to the sender), return_pending (a return is in progress), or reject_failed (the rejection could not be completed).

Available options:

succeeded,

rejected,

failed,

pending,

returned,

return_pending,

reject_failed

Example:

"succeeded"

tracking_key

string | null

required

Interbank tracking key (clave de rastreo) of the transfer, or null.

Example:

null

transaction_date

string<date-time> | null

required

Time the transfer occurred, as an ISO 8601 datetime in UTC, or null.

Example:

"2026-03-01T12:00:00.000Z"

SPEI codes Account verification object

Fintoc API

Main Resources

Payments API

Transfers API

Movements API

Direct Debit (Legacy)

Fiscal API

Simulate receiving a transfer

Authorizations

Body

Response