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What you’ll build

Give each customer or order a dedicated Account Number to identify incoming payments. In Mexico, an Account Number is a standardized Mexican bank account number (CLABE). When money reaches the Account Number, Fintoc sends you a webhook with the metadata you attached when you created the Account Number. Use the metadata to identify the customer or order without parsing bank statements or matching amounts.

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When to use it

Use dedicated Account Numbers for these flows:
  • Lending installments, insurance premiums, and software-as-a-service subscriptions.
  • Flows with identifiable customers who pay you repeatedly.
  • Marketplaces where each buyer deposits funds to a stable Account Number.

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How it works

The sequence includes Mexico’s Sistema de Pagos Electrónicos Interbancarios (SPEI) and Chile’s Transferencias Electrónicas de Fondos (TEF).

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One Account Number per customer, or one per order?

Both patterns work; the right choice depends on how you reconcile payments: One Account Number per order lets you match each transfer directly to an order. Disable or delete the Account Number after you receive payment for the order to prevent additional payments.

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Implementation checklist

Follow these steps to implement dedicated Account Numbers:
  1. Create the Account Number with metadata. See Receive transfers → Create an Account Number.
  2. Handle the webhook. Subscribe to transfer.inbound.succeeded; read data.account_number.metadata. See Receive transfers → Webhook payload for the payload reference.
  3. Enforce business rules. Set options.min_amount and options.max_amount to reject incorrect amounts automatically. Disable the Account Number after receiving payment. See Add logic to Account Numbers.
  4. Clean up unused Account Numbers when customers leave or orders close. See Manage your Account Numbers. You can have up to 1,000,000 Account Numbers. Unused Account Numbers continue accepting transfers. These transfers can add unrelated entries to your reconciliation and statements.