> ## 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.

# Setup direct payments

> Set the recipient account for a Direct Payment on Fintoc's legacy v2023-11-15 API so funds settle into the correct bank account after the transfer.

<Info>
  **Direct payments availability**

  For now, direct payments is only available for Chile.
</Info>

## Create a direct payment

To create a direct payment, you need to set the `recipient_account` option when creating a checkout session:

```bash theme={null}
curl --request POST "https://api.fintoc.com/v1/checkout_sessions" \
--header 'Authorization: sk_live_0000000000000000' \
--header 'Content-Type: application/json' \
--data-raw '{
  "amount": 2476,
  "currency": "clp",
  "payment_method_types": ["bank_transfer"],
  "payment_method_options": {
    "bank_transfer": {
      "recipient_account": {
        "holder_id": "111111111",
        "number": "0000000000",
        "type": "checking_account",
        "institution_id": "cl_banco_de_chile"
      }
    }
  }
}'
```

```javascript Node theme={null}
const { Fintoc } = require('fintoc');

const fintoc = new Fintoc('YOUR_TEST_API_KEY');

const checkoutSession = await fintoc.checkoutSessions.create({
  amount: 2476,
  currency: 'clp',
  payment_method_types: ['bank_transfer'],
  payment_method_options: {
    bank_transfer: {
      recipient_account: {
        holder_id: '111111111',
        number: '0000000000',
        type: 'checking_account',
        institution_id: 'cl_banco_de_chile'
      }
    }
  }
});
```

```python theme={null}
from fintoc import Fintoc

client = Fintoc('YOUR_TEST_API_KEY')

checkout_session = client.checkout_sessions.create(
    amount=2476,
    currency='clp',
    payment_method_types=['bank_transfer'],
    payment_method_options={
        'bank_transfer': {
            'recipient_account': {
                'holder_id': '111111111',
                'number': '0000000000',
                'type': 'checking_account',
                'institution_id': 'cl_banco_de_chile'
            }
        }
    }
)

```

In Chile, the recipient account object is defined by 4 attributes:

| Parameter        | Example              | Explanation                                                                                                                                                                                            |
| :--------------- | :------------------- | :----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `holder_id`      | 111111111            | Account holder's [RUT](https://es.wikipedia.org/wiki/Rol_%C3%9Anico_Tributario)                                                                                                                        |
| `number`         | 0000000000           | Account number                                                                                                                                                                                         |
| `type`           | checking\_account    | Type of account. Supported types are `checking_account` and `sight_account`.                                                                                                                           |
| `institution_id` | cl\_banco\_de\_chile | Fintoc institution id for the bank receiving the bank transfer. You can see the code for each bank [here](/v2023-11-15/guides/payments/direct-payments/setup-direct-payment#available-recipient-banks) |

Once you set the recipient account in the checkout session, the money will arrive directly in the bank account you specified.

## Available recipient banks

Check our [Chile institution codes](/v2023-11-15/api/fintoc-api/chile-institution-codes) documentation to check the available banks.