building-with-fintoc

Building with Fintoc

Fintoc is a Latin American fintech infrastructure API (Chile and Mexico). Four product areas:

• Payments — One-time and recurring bank payments. Chile and Mexico. → payments.md
• Transfers — Programmatic payins/payouts. Chile ("Business Accounts") and Mexico (SPEI/CLABEs). → transfers.md
• Movements — Read-only bank transaction history via Links. Chile only ("Conexiones"). → movements.md
• Direct Debit — Recurring charges via PAC (débito directo) on an authorized subscription. Chile only. → direct-debit.md

Identify the product area and country before suggesting endpoints or flows. If the use case or country isn't clear, ask first — the right product depends on both.

Marketing name → product

Users arriving from fintoc.com may use marketing names. Map them to the right area:

If the user mentions…	They need…	Area
"Smart Checkout", "checkout de pagos", "medios de pago"	Accept online payments	Payments
"Pagos Recurrentes", "suscripciones", "motor de cobro", "PAC", "PAC Digital"	Charge customers on a schedule	Direct Debit + recurring Payments
"Business Accounts" (Chile), "SPEI", "transferencias", "dispersar pagos", "recibir transferencias", "CLABEs" (Mexico)	Move money programmatically	Transfers
"Conexiones", "movimientos", "datos bancarios", "historial bancario", "link bancario"	Read a user's bank history	Movements
"Agents"	Not yet available via API — upcoming product with no docs yet. Let the user know.	—

How to use the docs

Docs are the source of truth. The reference files in this skill are indexes only — they route you to the right doc; they do not restate its contents.

• Append .md to any docs URL to read it as plain markdown (e.g. https://docs.fintoc.com/docs/accept-a-payment.md).
• Full machine-readable index: https://docs.fintoc.com/llms.txt
• Always fetch the relevant doc before answering about a specific endpoint or flow — don't answer from memory, as APIs change.

Per-area indexes: payments.md · transfers.md · movements.md · direct-debit.md · webhooks.md

Cross-cutting concepts (auth, keys, pagination, idempotency, errors, metadata, common mistakes): fundamentals.md

Tool selection

Scenario	Tool
Server-side integration code	SDK or direct HTTP
Interactive API exploration	Fintoc CLI
AI agent making API calls	Fintoc API MCP (mcp.fintoc.com)
Answering docs questions in editor	Docs MCP (docs.fintoc.com/mcp)
Testing / triggering webhooks locally	Fintoc CLI

Setup and details: mcp-cli.md

Where to get help

• Report unexpected MCP behavior using the fintoc:feedback tool.
• Email the Fintoc team at product@fintoc.com.