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Fintoc

FINANCE
Velocity1.7

Filling in the operational gaps a Latam payments API needs to graduate from PSP to treasury platform.

payments-infrastructurelatam-fintechmexico-clabechile-paymentstreasuryapi-platform
◆Current state
Fintoc is in steady operational-buildout mode: monthly PDF statements, downloadable transfer receipts, programmable min/max amount rejection rules, a saved-recipients book, and CLABE lifecycle management for Mexico (a critical bit since CLABE quotas are scarce). The bigger checkout move — adding card payments alongside bank transfers in Chile, plus Apple Pay — landed just before this window and is now being polished.
◆Where it's heading
The roadmap is widening from payment initiation toward full treasury infrastructure. Recipient management, statements, and CLABE garbage collection are all the kind of features customers ask for once they are actually running their corporate flows on the platform — Fintoc is responding to that pull rather than chasing a strategic pivot. Mexico-specific releases are landing more often, suggesting that market is ramping faster than Chile.
◆Prediction
Expect Apple Pay to extend to Mexico next, deeper conciliation and reconciliation tooling for the Treasury cluster, and new endpoints around partial CLABE pools that ease quota pressure for high-volume Mexican customers.

◆Recent moves

  1. 1mo ago

    Estados de cuenta mensuales

    Fintoc accounts now generate retroactive monthly PDF statements with the regulator-required summary fields, downloadable from Dashboard or API and emailable to multiple addresses. CSV/XLSX transaction exports come along with it. A boring but necessary feature for customers running real corporate flows on the platform.

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  2. 1mo ago

    Busca y elimina CLABEs inactivas

    Mexico-only: a no_transfers_since filter and a DELETE endpoint on /v2/account_numbers let customers reclaim CLABE quota by purging inactive numbers. Deleted CLABEs go into a shared waiting pool before reassignment elsewhere. Speaks to how scarce CLABE allocations are in practice — high-volume Mexican customers will care a lot.

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  3. 2mo ago

    Guarda destinatarios y reutilízalos en tus transferencias

    A saved-recipients book in the Dashboard for outgoing transfers — search by name, institution or account number, attach an alias and email. Eliminates the per-transfer data entry that drives keystroke errors in recurring flows. Tablestakes feature catching up to where bank dashboards already are.

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  4. 3mo ago

    Define límites para rechazar transferencias automáticamente

    Per-CLABE min/max amount rules that auto-reject incoming transfers outside the range, settable via Dashboard or API. Pushes a class of business-rule validation from the customer's reconciliation pipeline into Fintoc's ingress, which both cuts manual-return overhead and tightens the platform's automation story.

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  5. 3mo ago

    Descarga comprobantes de transferencias

    Downloadable PDF receipts in the Transfers detail view, plus the option to attach up to five email addresses for receipt copies when initiating a transfer. Small UX completion that reduces back-channel screenshotting.

    View source ↗
  6. 3mo ago

    Apple Pay en Chile

    Apple Pay enabled by default in Chilean Fintoc checkouts wherever the user's device supports it, with a claimed up-to-22% conversion lift. This builds directly on the card-payments-in-Chile launch from a week earlier — Fintoc is finishing the checkout it just started, not opening a new direction.

    View source ↗