Check your Account Number usage

Each organization has a Account Number (CLABE in Mexico) quota (1,000,000 by default). Every active Account Number — whether receiving payments or not — occupies one slot. Deleting a Account Number frees its slot immediately.

Find inactive Account Numbers

Every account number tracks the timestamp of its last inbound transfer in the last_transfer_at field. Account numbers that have never received a transfer have last_transfer_at: null.

Use the no_transfers_since filter on GET /v2/account_numbers to find account numbers with no transfer activity since a given date:

curl --request GET \
     --url 'https://api.fintoc.com/v2/account_numbers?no_transfers_since=2025-12-01' \
     --header 'Authorization: sk_live_xxxxx' \
     --header 'accept: application/json'

This returns all account numbers that either never received a transfer or whose last transfer was before December 1, 2025.

Delete an Account Number

When a Account Number is no longer needed, you can permanently delete it withDELETE /v2/account_numbers/{id}. Unlike disabling, deletion cannot be undone.

Once deleted, a Account Number enters a cooldown period during which it cannot be used. After this period, the Account Number becomes available again and may be reassigned to a different organization upon creating a new Account Number.

curl --request DELETE \
     --url https://api.fintoc.com/v2/account_numbers/acno_Kasf91034gj1AD \
     --header 'Authorization: sk_live_xxxxx' \
     --header 'accept: application/json'

Root account numbers (is_root: true) and blocked ones cannot be deleted.

What happens after deletion

1. Inbound transfers are rejected. Any SPEI/TEF payment sent to the deleted Account Number is automatically returned to the sender.
2. Quota is freed. Your organization's account number count decreases, allowing you to create new Account Numbers.
3. The Account Number is recycled. After a cooldown period (~30 days), the Account Number enters a pool and may be reassigned to any account — including accounts belonging to other organizations.
4. A webhook fires. The account_number.deleted event is sent to your configured webhook endpoints.

Disable vs Delete

If you only need to temporarily stop receiving transfers in a particular Account Number, disable the Account Number instead.