To send a test transfer with Fintoc’s Transfers API, create an account in the Dashboard and complete these steps:

Get your test API keys.
Generate your JWS keys and upload them to the Dashboard.
Get your accounts.
Send your first transfer.

Step 1: Get your test API keys

Authenticate every interaction with the Fintoc API using your API keys. Fintoc returns an error when a request omits the API key or uses an incorrect one. Every Fintoc account has two pairs of API keys: one for test mode and one for live mode. Each resource belongs to one mode. You cannot use a key from one mode to manage resources in the other. Sign up in the Dashboard to create your Fintoc account and get your API keys. For this guide, use the Secret Key for test mode. Its sk_test_ prefix identifies the key’s mode.

Step 2: Register your JWS keys

To call Transfers endpoints that move money, include a JSON Web Signature (JWS). The signature protects the integrity and authenticity of the request data. To register your JWS keys, follow this guide.

Step 3: Get your accounts

Use your test Secret Key to list your accounts through the API:

cURL

curl --request GET \
     --url https://api.fintoc.com/v2/accounts \
     --header 'Authorization: sk_test_9c8d8CeyBTx1VcJzuDgpm4H' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \

The response should look like this:

JSON

[
  {
    "id": "acc_23JlasHas241",
    "object": "account",
    "mode": "test",
    "description": "My root account",
    "root_account_number": "000000000000000000",
    "root_account_number_id": "acno_Kasf91034gj1AD",
    "available_balance": 0,
    "currency": "MXN",
    "entity": {
      "id": "ent_4324qwkalsds",
      "holder_name": "ACME Inc.",
      "holder_id": "ND"
    }
  }
]

Use an SDK

Install the Python SDK or Node SDK to interact with the API. Both SDKs generate the JWS signature and handle pagination. First, install an SDK:

Install Python SDK

pip install fintoc

Install Node SDK

npm install fintoc

Now list your accounts:

from fintoc import Fintoc

# You can provide a path to your PEM file or pass the PEM key directly as a string.
# jws_private_key = os.environ.get('JWS_PRIVATE_KEY')
jws_private_key = "./private_key.pem"

client = Fintoc("your_api_key", jws_private_key=jws_private_key)

for account in client.v2.accounts.list():
  print(account.id, account.description, account.root_account_number, account.available_balance)

Node

const { Fintoc } = require('fintoc');

// You can provide a path to your PEM file or pass the PEM key directly as a string.
// const privateKey = process.env.JWS_PRIVATE_KEY;
const privateKey = './private_key.pem';

const fintoc = new Fintoc('your_api_key', privateKey);

const accounts = await fintoc.v2.accounts.list();
for await (const account of accounts) {
  console.log(account.id, account.description, account.root_account_number);
}

Step 4: Make your first transfer

Now create a transfer. In live mode, the transfer moves money to your customer’s account. In test mode, the transfer uses the same API without moving money.

Fund your test account

Your test account starts without funds, as does your live account. To add funds, simulate a transfer through the API or the dashboard.

Make an outbound transfer

First, sign your transfer request with a JWS. Follow the JWS signature guide to generate the signature. Use the JWS signature and the account_id from Step 3 to create a transfer of $590.13 MXN:

curl --request POST \
     --url https://api.fintoc.com/v2/transfers \
     --header 'Authorization: YOUR_API_KEY' \
     --header 'Fintoc-JWS-Signature: YOUR_JWS_SIGNATURE' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
  "amount": 59013,
  "currency": "mxn",
  "account_id": "acc_M8sKf230BgHjD4",
  "comment": "Pago de credito 10451",
  "reference_id": "150195",
  "counterparty": {
    "account_number": "000000000000000000"
  }
}'

Currencies are represented as integersThe Fintoc API represents amounts as integers in the smallest currency unit. For example, represent MXN $590.13 as 59013.The Chilean peso has no minor unit. To transfer $59,013 CLP, set amount to 59013.Read more about currencies.

Use an SDK

Create the transfer with an SDK:

transfer = client.v2.transfers.create(
    amount=59013,
    currency="mxn",
    account_id="acc_M8sKf230BgHjD4",
    comment="Pago de credito 10451",
    reference_id="150195",
    counterparty={"account_number": "000000000000000000"},
)

Node

const transfer = await fintoc.v2.transfers.create({
  amount: 59013,
  currency: 'mxn',
  account_id: 'acc_M8sKf230BgHjD4',
  comment: 'Pago de credito 10451',
  reference_id: '1234124',
  counterparty: {
      account_number: '000000000000000000',
  },
});

You created your first transfer. For production integrations, consider these features:

Use idempotency keys to repeat requests without creating duplicate objects.
Use account numbers to reconcile incoming transfers.
Add metadata to attach custom data to your Fintoc objects.

Learn more in the guides for receiving transfers and sending transfers. For transfer concepts, read the transfers overview.

Home

Resources

Payments

Transfers

Direct debit

Movements

Quickstart

Step 1: Get your test API keys

Step 2: Register your JWS keys

Step 3: Get your accounts

Use an SDK

Step 4: Make your first transfer

Fund your test account

Make an outbound transfer

Use an SDK

​Step 1: Get your test API keys

​Step 2: Register your JWS keys

​Step 3: Get your accounts

​Use an SDK

​Step 4: Make your first transfer

​Fund your test account

​Make an outbound transfer

​Use an SDK

Step 1: Get your test API keys

Step 2: Register your JWS keys

Step 3: Get your accounts

Use an SDK

Step 4: Make your first transfer

Fund your test account

Make an outbound transfer

Use an SDK