Resumen
Fintoc is a platform for instant interbank payments (account-to-account, or Pay by Bank) and automated reconciliation in Latin America. It was founded in 2020, with offices in Santiago, Chile, and Mexico City, and is a Y Combinator alumnus.
Products The product list includes a Pay with Bank widget, direct SPEI and local bank rails, instant reconciliation and A2A subscriptions. Payments go straight from the customer's bank account, and incoming funds are matched automatically.
Licensing The company states that it holds a CNBV IFPE licence in Mexico.
Markets and clients Coverage is Mexico, Chile and the wider Latin America. Target verticals are e-commerce, fintech, brokers, iGaming, SaaS and insurance.
Fees Fintoc charges a fee per transaction. The exact rate and any volume tiers are not given in the source data and should be requested from the company.
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