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

Name
Type
Description

Authorization*

string

Mandatory. JWT token in format Bearer eyJ0... . For more information about authentication, please refer to Authentication

Request Body

Name
Type
Description

paymentMethod*

OBJECT

Manatory. Payment method details

paymentMethod.type*

string

Mandatory. BankTransfer

paymentMethod.code*

string

Mandatory. Select among the codes available in each country for a Payin limits-Sla NOTE: payment method code might affect the collection currency in bimonetary countries. For more info, see the side note on currency field.

paymentMethod.flow*

string

Mandatory. The payment method data could be embeded in the API request (REDIRECT).

externalId*

string

Mandatory. An ID that is meaningful to you and your system. It must be unique and alphanumeric, no characters allowed.

country*

string

Mandatory. Your end user's country (i.e. country in which the payment will be processed), in ISO format. Please refer to Country Codes for a full list of supported countries.

amount*

number

Mandatory. Amount to charge to your end user. For CLP, send without decimals.

currency*

string

Mandatory. The currency in which the amount is expressed.

accountNumber*

string

Mandatory. Your Localpayment account number in which the amount will be credited.

conceptCode*

string

Mandatory. Choose the suitable concept code from our Concept Code List. Based on our experience, the most usual are 0039 (remittances) and 0040 (corporate payments).

merchant*

Object

Mandatory. Party Object.

type*

string

Mandatory. Possible values: COMPANY, INDIVIDUAL

name*

string

Mandatory. Individual first name / company name

lastName*

string

Mandatory only for INDIVIDUAL type / Ignored for COMPANY.

comment*

string

Optional. A comment related to the transaction. It should be something meaningful to your business.

payer*

Object

Mandatory. Party Object. Information related to the payer

exchangeRateToken

string

Optional. Token provided by the Foreign Exchange service in order to use an upfront agreed exchange rate.

type*

string

Mandatory. Possible values: COMPANY, INDIVIDUAL

name*

string

Mandatory. Individual first name / company name

lastName

string

Mandatory for individuals / Ignored for companies.

document*

Object

Mandatory.Party Object. Valid identity document.

document.type*

string

Mandatory. Document types. Check the regonized document type list per country

document.id*

string

Mandatory. Identity document Id. Usually numbers or combination of numbers and letters.

bank*

Object

Mandatory. Party Object. Payer account data.

bank.name

string

Bank Name

bank.code*

string

Mandatory. Bank code, according to Localpayment bank codes list.

bank.account*

Object

Mandatory. Party Object. Payer account information.

bank.account.type*

string

Mandatory. Payer account type, according to Localpayment typification

bank.account.number*

string

Mandatory. Payer account number

phone

Object

Optional. Party Object. Contact phone number

email*

string

Mandatory.

phone.countryCode

string

Optional

phone.areaCode

string

Optional

phone.number

string

Optional

address

Object

Optional. Party Object. Contact address

address.street

string

Optional

address.number

string

Optional

address.city

string

Optional

address.state

string

Optional

address.country

string

Optional

address.zipCode

string

Optional

address.comment

string

Optional. Additional info, such as floor or apartment number.

{
      "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": "REDIRECT"
    },
    "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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