SPEI

Mexico's interbank electronic transfer system. Used for pay-in and pay-out in Mexico.

SPEI (Sistema de Pagos Electrónicos Interbancarios) is Mexico's real-time interbank transfer network, operated by Banco de México. It supports both pay-in (receiving funds via CLABE) and pay-out (sending to a CLABE).

Country: Mexico | Currency: MXN | Direction: Pay-in / Pay-out

Required fields

Field	Type	Description
type	string	Must be "SPEI"
currency	string	Must be "MXN"
spei.customer.firstName	string	Customer's first name
spei.customer.lastName	string	Customer's last name
spei.clabe	string	18-digit CLABE (required for pay-out)
spei.bankId	string	Bank identifier code

Pay-in example

For pay-in, the user sends a transfer to the CLABE generated in the response:

{
  "type": "SPEI",
  "currency": "MXN",
  "spei": {
    "customer": {
      "firstName": "Carlos",
      "lastName": "Mendoza"
    }
  }
}

Pay-out example

For pay-out, provide the recipient's CLABE:

{
  "type": "SPEI",
  "currency": "MXN",
  "spei": {
    "clabe": "032180000118359719",
    "customer": {
      "firstName": "Ana",
      "lastName": "López"
    }
  }
}

Response fields (pay-in)

Field	Description
clabe	CLABE the payer should transfer to
bankId	Receiving bank code

Share the spei.clabe with your user so they can complete the transfer from their banking app.

Schema

The spei object

Attributes

clabestringOptional

CLABE (18-digit interbank code) of the recipient. Required for pay-out.

The spei object

{
  "clabe": "text",
  "customer": {
    "id": "text",
    "firstName": "text",
    "email": "text",
    "lastName": "text",
    "phoneNumber": "text",
    "phoneNumberPrefix": "text",
    "documentType": "text",
    "documentNumber": "text",
    "address": {
      "administrativeAreaLevel1": "text",
      "administrativeAreaLevel2": "text",
      "administrativeAreaLevel3": "text",
      "street": "text",
      "streetNumber": "text",
      "optionalAddress": "text",
      "country": "text",
      "zipcode": "text"
    }
  }
}