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, partial refunds.

How it Works

Fintoc Checkout Flow

User selects Fintoc as the payment method
Select their bank and enter their RUT and web portal credentials.
Enter the verification code sent to their mobile phone via SMS
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.

Testing:

RUT: 41.579.263-8
Web portal password: jonsnow
SMS verification code: 0000
For a successful test, select the account ending in 6177.