The Transfer object represents money sent or received through Fintoc to or from your account numbers. It includes transfer details, the external counterparty, and the internal account number.

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Transfer counterparty

Each Transfer includes a nested Counterparty object. The counterparty represents the sender for an inbound transfer or the recipient for an outbound transfer. The Counterparty object includes:

• The counterparty’s name, such as a customer, supplier, or partner.
• Bank account details, such as the account number and bank code.

The counterparty identifies who sends or receives the transfer:

• For inbound transfers, the counterparty is the sender that initiates the transfer to your account number.
• For outbound transfers, the counterparty is the recipient that receives funds from your account.

The Counterparty structure provides a consistent way to view and reconcile transfers that are internal or external to the Fintoc API.

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Transfer statuses and webhook notifications

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Transfer limits

Transfer limits depend on the country:

Limit	🇲🇽 Mexico	🇨🇱 Chile
Maximum number of transfers per day	No limit	No limit
Maximum amount per transfer	No limit	$7.000.000 CLP

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Transfer returns

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🇲🇽 Mexico

In Mexico, you can request the return of an inbound transfer that you do not recognize or that does not meet your business’s acceptance criteria. After a return, status changes to returned, and the amount is deducted from your account balance.

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🇨🇱 Chile

In Chile, a rejection by the Centro de Compensación Automatizado (CCA) can reverse inbound and outbound transfers. After a reversal, status changes to returned, and the funds return to your account balance.

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Authorizing a transfer

Transfer authorization supports a single authorizer. When an authorized person in your organization confirms a transfer, Fintoc pays out the transfer immediately.