---
title: "Check payment eligibility"
method: POST
path: "/payment_intents/check_eligibility"
tags: ["Payment intents"]
---

# Check payment eligibility

`POST /payment_intents/check_eligibility`

Checks whether a payment for the given amount and sender account passes the transfer limits that banks and Fintoc enforce, without creating a payment intent. Only available for CLP payments. Available for organizations on API version `2026-02-01` or later.

## Request body

- object
  - `amount` integer, required — A positive integer representing the amount to pay, in the smallest unit of the currency (for example, `100000` for 100000 CLP, since CLP has no minor unit).
  - `currency` string, required — Three-letter ISO 4217 currency code. Only `CLP` is supported.
  - `sender_account` object, required — Bank account the customer pays from.
    - `institution_id` string, required — Identifier of the institution of the account.
    - `holder_id` string — Chilean tax ID (RUT) of the account holder. Without it, Fintoc skips new contact validations.
  - `recipient_account` object — Bank account that receives the payment. Only send it if your organization uses direct payments; organizations that collect through Fintoc must omit it.
    - `holder_id` string, required — RUT of the account holder.
    - `institution_id` string, required — Identifier of the institution of the account.
    - `number` string, required — Number of the account, without hyphens or leading zeros.
    - `type` string — Type of the account, such as `checking_account` or `sight_account`.

## Response `200`

Result of the eligibility check. When the payment is not eligible, `error` describes the limit that the payment would exceed.

- PaymentIntentCheckEligibility
  - `eligible_payment` boolean, required — Whether the payment passes the transfer limits and can be created.
  - `error` object, nullable, required — Limit that the payment would exceed. `null` when the payment is eligible.
    - `code` 'new_contact_maximum_amount_limit_error' | 'new_contact_payment_number_limit_error' | 'minimum_amount_limit_error' | 'maximum_amount_limit_error', required — Error code of the limit. One of `minimum_amount_limit_error` (the amount is below the bank minimum), `maximum_amount_limit_error` (the amount exceeds the bank maximum), `new_contact_maximum_amount_limit_error` (the amount exceeds the maximum for new contacts), or `new_contact_payment_number_limit_error` (the sender reached the maximum number of transfers for new contacts).
    - `doc_url` string, uri, required — URL of the error documentation.
    - `message` string, required — Human-readable description of the limit that the payment would exceed.
    - `param` 'amount' | 'sender_account', required — Request parameter associated with the limit. One of `amount` or `sender_account`.
    - `type` 'amount_error' | 'new_contact_error', required — Type of the limit. One of `amount_error` (the amount is outside the permitted range) or `new_contact_error` (the sender has not transferred to the recipient before).

## Other responses

- `400` — Invalid request: a required parameter is missing or the `currency` is not supported.
- `401` — Invalid or missing API key.

---

[API](https://skmtc.net/fintoc/apis/fintoc-api.md) · [All operations](https://skmtc.net/fintoc/apis/fintoc-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/fintoc/fintoc-api/revisions/9dafa63688a3/schema)