Fintoc (Chile)

This payment solution is only available in Chile

Fintoc acts as an intermediary that facilitates real-time debit transactions directly from the user's bank account. This is especially beneficial because it makes it easy to collect and receive remote payments securely and easily. In this option we provide you with a URL to integrate into your front-end.

From there it redirects to an Fintoc interface where end users can select the bank and initiate online payments quickly and securely.

BANKS

  • Banco Estado

  • Banco Falabella

  • Santander

  • Banco de Chile

  • BCI

  • Scotiabank

  • Itaú

  • Bice

  • Banco Ripley

  1. The expiration time is 10 minutes. If you create a payment link and nobody opens it, after 10 minutes you will receive the webhook notifying that it failed.

  2. In the same way, if you create a payment link and after 9 minutes you open the widget, the user will only have 1 minute to make the payment.

Fintoc

POST https://api.stage.localpayment.com/api/payin

Headers

Request Body

{
      "transactionType": "PayIn",
      "externalId": "17042904111113-undefined",
      "internalId": "{{InternalId}}",
      "paymentMethod": {
        "type": "BankTransfer",
        "code": "2528",
        "flow": "REDIRECT"
      },
      "country": "CHL",
      "currency": "CLP",
      "amount": 1,
      "accountNumber": "{{AccountNumber}}",
      "confirmed": {
        "currency": "CLP",
        "fxQuote": 1,
        "amount": 1
      },
      "payment": {
        "currency": "CLP",
        "fxQuote": 1,
        "financingFee": 0,
        "amount": 1
      },
      "localTaxes": [],
      "withHoldings": [],
      "fees": {
        "description": "Fee",
        "currency": "CLP",
        "fxSource": 1,
        "fxQuote": 1,
        "amount": 0,
        "account": "{{AccountNumber}}"
      },
      "status": {
        "code": "100",
        "description": "INPROGRESS",
        "detail": "The payin is pending the confirmation"
      },
      "merchant": {
        "type": "COMPANY",
        "name": "LocalPayment"
      },
      "payer": {
        "type": "COMPANY",
        "name": "Pruebas",
        "lastname": "",
        "document": {
          "type": "RUT",
          "id": "760000000"
        },
        "email": "email@lp.com",
        "phone": {
          "countryCode": "",
          "areaCode": "",
          "number": ""
        },
        "address": {
          "street": "",
          "city": "",
          "state": "",
          "country": "",
          "comment": ""
        }
      },
      "intermediaries": [],
      "wireInstructions": {
        "referenceCode": "JGQP-QU2V-FOOB"
      },
      "date": {
        "creationDate": "2024-01-03T14:00:26.812",
        "processedDate": "2024-01-03T14:00:32.049",
        "expirationDate": "2024-01-10T14:00:27.319"
      },
      "errors": [],
      "redirectUrl": "https://web-checkout.stage.localpayment.com/redirect/aHR0cHM6Ly9idC1zYW5kYm94LmV0cGF5LmNvbS9zZXNzaW9uLzJ4WnczWkd2cTZZUEpKV2ZPR24yanc5aVhlN0RjRVkzaXJjTldUOWZITTJBUEVERksxcW9jQVR3VUl0WXQzY3U"
    },
    "code": "100",
    "transactionFlow": "payInBankTransfer",
    "transactionType": "PayIn",
    "createdOn": "2024-01-03T14:00:26.812+00:00",
    "createdBy": "email@gmail.com",
    "executionData": {
      "providerId": "2xZw3ZGvq6YPJJWfOGn2jw9iXe7DcEY3ircNWT9fHM2APEDFK1qocATwUItYt3cu",
      "paymentMethodProvider": {
        "country": "CHL",
        "currency": "CLP",
        "accountType": "D",
        "providerCode": "0103",
        "providerName": "ETPAY",
        "accountNumber": "CHL.ETPAY.INT@LOCALPAYMENT.COM",
        "accountOwnerCode": "0021",
        "accountOwnerName": "Prueba1",
        "paymentMethodCode": "2528"
      }
    }
  }

At the moment of generating the request by Api, the system will answer the url that directs to the FINTOC portal in the field “redirectUrl”.

curl --location 'https://api.stage.localpayment.com/api/payin/' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer {your Bearer}'\
--data-raw '{
    "paymentMethod": {
        "type": "BankTransfer",
        "code": "2528",
        "flow": "DIRECT"
    },
    "externalId": "{{$externalId}}",
    "country": "CHL",
    "currency": "CLP",
    "amount": 1,
    "accountNumber": "{{AccountNumber}}",
    "conceptCode": "0038",
    "comment": "Payer",
    "merchant": {
        "type": "INDIVIDUAL",
        "name": "merchantName",
        "lastname": "merchantLastname,
        "document": {
            "type": "RUT",
            "id": "{{id}}"
        },
        "email": "email@localpayment.com"
    },
    "payer": {
        "type": "INDIVIDUAL",
        "name": "PayerName",
        "lastname": "Lastname",
        "document": {
            "type": "RUT",
            "id": "{{id}}"
        },
        "phone": {
            "areaCode": "57",
            "countryCode": "57",
            "number": "{Number}"
        },
        "email": "email@localpayment.com",
        "address": {
            "country": "CHL",
            "number": "",
            "state": "BA",
            "city": "BA",
            "street": "Street",
            "comment": ""
        },
        "bank": {
            "name": "Banco Estado",
            "code": "012",
            "account": {
                "type": "c",
                "number": "{{bankAccountNumber}}"
            }
        }
    }
}

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