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latestOpenAPI 3.1.02026-07-228956435.8 KB
Transfers

Create a transfer

Creates an outbound transfer from one of your accounts, in the live or test mode of the API key used. Requirements differ by country. In Chile, the currency is CLP and the counterparty needs a holder_id, which is the Chilean tax ID (RUT), and an institution_id. In Mexico, the currency is MXN and the counterparty's account_number is a standardized Mexican bank account number (CLABE). Requires a JSON Web Signature (JWS) in the Fintoc-JWS-Signature header.

post/transfers

Headers

Fintoc-JWS-Signaturestring required

JWS signature of the request body. See Generate JWS keys to set up request signing.

Request body

account_idstring required

Identifier of the account the transfer is sent from.

amountinteger required

Amount to transfer, in the smallest currency unit. For MXN this is centavos; CLP has no minor unit. The minimum is 1.

currency'CLP' | 'MXN' required

Currency of the transfer. One of CLP, MXN.

commentstring

Comment shown to the counterparty.

reference_idstring

Numeric reference shown in the counterparty statement in Mexico. Up to 7 digits, with no leading zeros.

metadataobject

Set of key-value pairs you can attach to the transfer for storing additional structured information.

Example request

{
  "account_id": "acc_2daFu0zqqDtZGJaSi2TGI2Mm1nN",
  "amount": 50000,
  "currency": "MXN",
  "counterparty": {
    "account_number": "132000000000000004",
    "holder_id": "11111111-1",
    "holder_name": "Test Customer 1",
    "institution_id": "40012",
    "account_type": "checking_account",
    "email": "jared@piedpiper.com"
  },
  "comment": "Payout March",
  "reference_id": "1234567",
  "metadata": {
    "test_key": "test_value"
  }
}

Response

The created transfer.

idstring required

Unique identifier of the transfer.

object'transfer' required

Type of the object. Always transfer.

amountinteger required

Amount of the transfer, in the smallest currency unit. For MXN this is centavos; CLP has no minor unit.

commentstring nullable required

Comment shown to the counterparty, or null.

currency'CLP' | 'MXN' required

Currency of the transfer. One of CLP, MXN.

direction'inbound' | 'outbound' required

Whether the transfer is inbound or outbound.

metadataobject required

Set of key-value pairs attached to the transfer.

mode'live' | 'test' required

Whether the transfer is live or test data.

post_datestring date-time nullable required

Time the transfer was posted, as an ISO 8601 datetime in UTC, or null.

receipt_urlstring nullable required

URL of the transfer receipt, or null.

reference_idstring nullable required

Numeric reference shown in the counterparty statement in Mexico, or null.

return_reasonstring nullable required

Reason code when the transfer was returned, or null.

status'succeeded' | 'rejected' | 'failed' | 'pending' | 'returned' | 'return_pending' | 'reject_failed' required

Lifecycle status of the transfer. One of pending (being processed), succeeded (settled), rejected (rejected before settling), failed (could not be processed), returned (settled, then returned to the sender), return_pending (a return is in progress), or reject_failed (the rejection could not be completed).

tracking_keystring nullable required

Interbank tracking key (clave de rastreo) of the transfer, or null.

transaction_datestring date-time nullable required

Time the transfer occurred, as an ISO 8601 datetime in UTC, or null.

Example response

{
  "id": "tr_2daFu0zqqDtZGJaSi2TGI2Mm1nN",
  "account_number": {
    "id": "acno_2daFu0zqqDtZGJaSi2TGI2Mm1nN",
    "account_id": "acc_2hQ9vBmKpR7xLtZ3sWn1fJ4dGcA",
    "created_at": "2026-03-01T12:00:00.000Z",
    "description": "Payouts CLABE",
    "metadata": {
      "invoice_id": "12345"
    },
    "mode": "test",
    "number": "646180111800000000",
    "options": {
      "min_amount": 1000,
      "max_amount": 1000000
    },
    "status": "enabled",
    "updated_at": "2026-03-01T12:00:00.000Z"
  },
  "amount": 50000,
  "comment": "Payout March",
  "counterparty": {
    "account_number": "132000000000000004",
    "account_type": "clabe",
    "holder_name": "Test Customer 1",
    "institution": {
      "id": "40132",
      "name": "MULTIVA BANCO",
      "country": "mx"
    }
  },
  "currency": "MXN",
  "direction": "outbound",
  "entity": {
    "id": "ent_2eGhTp1rLqWnXkZbYc4JsKmAvD9",
    "holder_id": "000000000",
    "holder_name": "Test Customer 1",
    "is_root": true
  },
  "metadata": {
    "test_key": "test_value"
  },
  "mode": "test",
  "status": "succeeded",
  "transaction_date": "2026-03-01T12:00:00.000Z"
}