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Identify and delete inactive Account Numbers to free quota as your integration grows.

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Check your Account Number usage

Your organization has a quota of 1,000,000 Account Numbers by default. In Mexico, an Account Number is a standardized Mexican bank account number (CLABE). Every active Account Number occupies one slot, whether it receives payments or not. Deleting an Account Number frees its slot immediately.

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Find inactive Account Numbers

Every Account Number tracks the timestamp of its last inbound transfer in the last_transfer_at field. An Account Number that has never received a transfer has last_transfer_at set to null. Use the no_transfers_since filter on GET /v2/account_numbers to find Account Numbers with no transfer activity since a given date. The filter returns Account Numbers that have never received a transfer or received their last transfer before the given date.

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Delete an Account Number

Permanently delete an Account Number you no longer need with DELETE /v2/account_numbers/{id}. Unlike disabling an Account Number, deletion cannot be undone. Deleting an Account Number starts a cooldown period during which no organization can use or reassign the Account Number. After the cooldown period, Fintoc may reassign the Account Number to a different organization when that organization creates a new Account Number. You cannot delete root Account Numbers (is_root: true) or blocked Account Numbers.

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What happens after deletion

Deleting an Account Number triggers four changes:
  1. Fintoc rejects inbound transfers. Fintoc returns payments sent to the deleted Account Number to the sender. This behavior applies to Mexico’s Sistema de Pagos Electrónicos Interbancarios (SPEI) rail and Chile’s Transferencia Electrónica de Fondos (TEF) rail.
  2. Deletion frees quota. Your organization’s Account Number count decreases, so you can create new Account Numbers.
  3. Fintoc recycles the Account Number. After a cooldown period, Fintoc adds the Account Number to a pool and may reassign the Account Number to any account, including accounts that belong to other organizations.
  4. Fintoc sends the account_number.deleted event to your configured webhook endpoints.

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Disable vs delete

Both actions stop inbound transfers, but they differ in whether you can reverse them and whether they free the Account Number and its quota: To temporarily stop receiving transfers on an Account Number, disable the Account Number instead.

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Test the integration

Confirm the full flow in test mode before deleting any Account Number in live mode:
  1. Create a test Account Number, or choose an existing one with last_transfer_at set to null.
  2. Send the DELETE /v2/account_numbers/{id} request with your sk_test_ key and confirm the response returns the Account Number with "status": "deleted".
  3. Confirm the account_number.deleted event arrives at your configured webhook endpoint.