Freedom251 › Bank Connectivity Software
Fintoc
What Fintoc is
Fintoc provides payment infrastructure for businesses that receive, move, and reconcile money. Smart Checkout selects payment methods based on conversion and cost, with automatic routing and backup when a method fails. Recurring Payments handles subscriptions, charges, retries, and customer reminders. Listed methods include bank transfers, credit, debit and prepaid cards, Apple Pay, Google Pay, bank buttons, and PAC. Plugins support Shopify, WooCommerce, VTEX, and Magento 2. Integrations include a REST API, configurable webhooks, a web SDK, and one connection for available payment methods. Test keys can simulate payments and refunds without moving real funds. Listed plans charge $135, paid once for each approved bank-transfer payment or $269, paid once for each approved debit or credit-card payment, with no installation or monthly fee. Fintoc offers a free trial, but its facts also state no free plan and pricing on request. Payments through plugins are in Chilean pesos.
Who it suits
Fintoc is for businesses managing online payments, collections, subscriptions, and reconciliation. It fits merchants using supported e-commerce platforms or integrating through APIs and web tools.
What it does well
- Automatic payment routing and backup
- Recurring charges, retries, and reminders
- Plugins for four commerce platforms
- Test keys simulate payments and refunds
- States ISO 27001 and PCI DSS Level 1
What to know first
- No free plan is listed
- Plugin payments use Chilean pesos
- Listed payment charges are per approved transaction
- A free trial is offered, not a free plan
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Pagos por Transferencia | Por cada pago aprobado con transferencia bancaria. · Sin costo de instalación ni mensualidad | $135, paid once |
| Pagos con Tarjeta | Por cada pago aprobado con tarjeta de débito o crédito. · Sin costo de instalación ni mensualidad | $269, paid once |
As fintoc.com lists them, read 5 Oct 2026. The maker's own page has the final word.
Verdict
Fintoc combines checkout, recurring billing, payment methods, and reconciliation tools for online businesses. Its integrations and testing keys are useful, while currency limits and per-payment charges should be checked for your setup.
Facts from Fintoc's own pages
- E-commerce integrations
- Fintoc offers plugins for Shopify, WooCommerce, VTEX, and Magento 2. · fintoc.com, 5 Oct 2026
- Founded
- 2020 · fintoc.com, 28 Sept 2026
- Headquarters
- Santiago, Chile · fintoc.com, 28 Sept 2026
- Integration tools
- Smart Checkout lists a REST API, configurable webhooks, a web SDK, and one integration for its available payment methods. · fintoc.com, 5 Oct 2026
- Notable limit
- The plugins page says payments are in Chilean pesos and the payment method is hidden if the store operates in another currency. · fintoc.com, 5 Oct 2026
- Payment methods
- Fintoc lists bank transfers, credit, debit and prepaid cards, Apple Pay, Google Pay, bank buttons, and PAC among its payment methods. · fintoc.com, 5 Oct 2026
- Recurring payments
- Recurring Payments automates subscriptions, charges, retries, and customer reminders. · fintoc.com, 5 Oct 2026
- Regulatory status
- The Chile site says Fintoc Pagos S.A. is authorized by the CMF as an issuer of prepaid payment cards. · fintoc.com, 5 Oct 2026
- Security
- Fintoc states that it is certified to ISO 27001 and PCI DSS Level 1. · fintoc.com, 5 Oct 2026
- Smart Checkout
- Smart Checkout automatically selects payment methods based on conversion and cost, and supports automatic routing and backup when a payment method fails. · fintoc.com, 5 Oct 2026
- Support
- The site directs users to WhatsApp support and product documentation for help. · fintoc.com, 5 Oct 2026
- Trial
- The plugins page says merchants can use test keys to simulate payments and refunds without moving real money. · fintoc.com, 5 Oct 2026
- What it does
- Fintoc unifies payment infrastructure so businesses can receive, move, and reconcile money. · fintoc.com, 5 Oct 2026
- Who it serves
- Fintoc describes its products for businesses managing online payments and collections, and says more than 1,200 companies trust it. · fintoc.com, 5 Oct 2026
Where Fintoc stands on Freedom251
- Bank Connectivity Software#17 of 71