Fintoc

Getting Started with Fintoc

This guide explains how to integrate Fintoc with DEUNA.

Fintoc is a bank-based instant payment method (Payment Initiation / Account-to-Account) available in Chile, allowing users to pay directly from their bank account by logging into their online banking through Fintoc's widget. No card data is required.

It is a strong alternative payment method in Latin American e-commerce, offering real-time bank transfers with high security and lower processing costs than cards.

Support opeations:

Purchase, refunds, and partial refunds.

How it Works

Fintoc Checkout Flow

User selects Fintoc as the payment method
User selects their bank from the list of supported financial institutions
User logs in with their online banking credentials
User authenticates (and completes MFA/contact authorization if required by their bank)
User confirms the payment
Payment is confirmed in real-time via webhook

Key characteristics

No card input required
Real-time confirmation
Strong bank-level authentication (direct login to online banking)
Available in Chile
Lower cost than card processing

Requirements

The following content lists all the requirements for a successful integration with Fintoc.

Environments:

Sandbox: https://api.sandbox.deuna.io
Production: https://api.deuna.io

Integration Steps

Now that the technical requirements are defined, you can begin the integration.

1. Configure the payment processor

Add Fintoc to your Connections in the DEUNA Admin.

Search for Fintoc and enter your business account credentials.

Name: the merchant name
Currency: CLP (Chile)
Secret API Key: the merchant's private key
Public API Key: the public API key

Then click on Connect.