> ## 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.

# Transfer

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.

# 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.

# Transfer statuses and webhook notifications

<img src="https://mintcdn.com/fintoc-49b8bee8/YQmOnq8Zegydl6oL/images/65876da117aa2b5d08bccd474ddcdde2386fd12e362f6d76e18362625c371874-image.png?fit=max&auto=format&n=YQmOnq8Zegydl6oL&q=85&s=26eef6ccbefe18a20b407ecd5d96c2a3" alt="Transfer status and webhook notification flow" width="2424" height="1521" data-path="images/65876da117aa2b5d08bccd474ddcdde2386fd12e362f6d76e18362625c371874-image.png" />

<br />

# Transfer limits

Transfer limits depend on the country:

<table>
  <tr>
    <th>Limit</th>

    <th>🇲🇽 Mexico</th>
    <th>🇨🇱 Chile</th>
  </tr>

  <tr>
    <td>Maximum number of transfers per day</td>
    <td>No limit</td>
    <td>No limit</td>
  </tr>

  <tr>
    <td>Maximum amount per transfer</td>
    <td>No limit</td>
    <td>\$7.000.000 CLP</td>
  </tr>
</table>

# Transfer returns

## 🇲🇽 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.

## 🇨🇱 Chile

In Chile, a rejection by the Centro de Compensación Automatizado ([CCA](https://www.cca.cl/)) can reverse inbound and outbound transfers. After a reversal, `status` changes to `returned`, and the funds return to your account balance.

# 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.