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
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.
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"
}
}
}
{
"externalId": "993cd468-26d5-1111-b865-09208a773ec1",
"internalId": "29d83935-f0e8-1111-85d5-1485f07e3a4e",
"status": {
"code": "300",
"description": "REJECTED",
"detail": "Invalid param + [payer.document] + must not be null"
},
"errors": [
{
"code": "300",
"detail": "Invalid param + [payer.document] + must not be null"
}
]
}
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}}"
}
}
}
}
{
"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"
}
}
}
{
"externalId": "993cd468-26d5-1111-b865-09208a773ec1",
"internalId": "29d83935-f0e8-1111-85d5-1485f07e3a4e",
"status": {
"code": "300",
"description": "REJECTED",
"detail": "Invalid param + [payer.document] + must not be null"
},
"errors": [
{
"code": "300",
"detail": "Invalid param + [payer.document] + must not be null"
}
]
}
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