🇲🇽 SPEI

Overview

SPEI (Sistema de Pagos Electrónicos Interbancarios) is Mexico’s real-time A2A (account-to-account) payment system, operated by Banco de México (Banxico). It enables fast, secure, and 24/7 transfers between bank accounts.

Through Orkestra, you can create a SPEI payment by specifying SPEI as the payment method in the order transaction.

📝 Minimum Required Fields for SPEI Payouts

Field	Type	Description
amount	Decimal	Amount to send in MXN.
currency	String	Must be "MXN".
paymentMethod	String	Must be "SPEI".
receivingBankAccount.key	String	CLABE or SPEI key of the recipient.
beneficiary.firstName	String	First name of the beneficiary.
beneficiary.lastName	String	Last name of the beneficiary.
beneficiary.document	String	RFC or CURP number.
beneficiary.documentType	String	Must be "RFC" or "CURP".
beneficiary.type	String	"INDIVIDUAL" or "BUSINESS".

Optional Fields

Field	Type	Description
referenceId	String	Custom reference for idempotency.
beneficiary.gender	String	"M" or "F" (optional demographic data).
beneficiary.birthdate	String	Format: YYYY-MM-DD.
beneficiary.emailAddress	String	Email for payout alerts.
beneficiary.phoneNumber	String	E.164 format.

📦 Example: SPEI Payout Request

JSON

{  
  "referenceId": "7c13c449-3a97-46bb-a9a3-e951ec92d18c",  
  "amount": 500,  
  "currency": "MXN",  
  "paymentMethod": "SPEI",  
  "beneficiary": {  
    "firstName": "Frédéric",  
    "lastName": "Chopin",  
    "document": "VECJ880326",  
    "documentType": "RFC",  
    "gender": "M",  
    "birthdate": "1994-08-20",  
    "emailAddress": "[email protected]",  
    "phoneNumber": "[phone]",  
    "type": "INDIVIDUAL"  
  },  
  "receivingBankAccount": {  
    "key": "012345678910111314"  
  }  
}

🔁 Payout Flow Overview

• Send the payload via Orkestra’s API.
• The transaction is settled within seconds.
• You receive confirmation of payout status.
• In case of failure, Orkestra returns a detailed status reason.

🚨 Important Notes

• SPEI transfers are processed in real time.
• Ensure that customer document information (RFC or CURP) is properly validated before submission.
• Expiry times for the payment are based on Orkestra’s default configuration or can be customized in the future.

📦 Example: SPEI Order Response

JSON

{
    "id": 311234,
    "paymentMethod": "SPEI",
    "amount": 200,
    "currency": "MXN",
    "status": "PENDING",
     "beneficiary": {  
        "firstName": "Frédéric",  
        "lastName": "Chopin",  
        "document": "VECJ880326",  
        "documentType": "RFC",  
        "gender": "M",  
        "birthdate": "1994-08-20",  
        "emailAddress": "[email protected]", 
        "phoneNumber": "[phone]",  
        "type": "INDIVIDUAL" 	 
     },
    "createdAt": "2024-06-18T13:56:58.488Z",
    "updatedAt": "2024-06-18T13:56:58.488Z"
}

✅ Summary

To create a SPEI payment, ensure:

• You have customer name and document information (RFC or CURP).
• You set the paymentMethod field to SPEI.
• Customer uses the generated CLABE and Reference Number to make the transfer.
• Webhook notifications will inform you once the payment is confirmed.

Orkestra handles the banking logistics, allowing you to focus on your business 🚀.