🇲🇽 Inbound transfers in Mexico

Receive and reconcile inbound transfers through Fintoc’s Transfers API. Complete the setup guide before following these steps:

Find or create an AccountNumber using your Secret key. This object represents a standardized Mexican bank account number (CLABE) for the Interbank Electronic Payment System (SPEI). When you sign in to the dashboard, you start with one Default Account Number.
Create a WebhookEndpoint to handle inbound transfer events.
Receive a transfer at the AccountNumber and get notified in real time.

The following diagram shows how Fintoc interacts with you and the counterparty that sends the inbound transfer.

Step 1: Create an account number (SPEI CLABE)

An AccountNumber represents a SPEI CLABE. Assign an account number to a customer or order to reconcile inbound transfers with your records. For example, you can assign one account number to each customer to identify which customer sent a transfer. To learn more about account numbers, see the data model.

Attach metadata to your account number

When you create an account number, attach key-value data through metadata. For example, store your internal customer ID to associate the account number with a customer. Fintoc includes the metadata in each inbound transfer so you can reconcile the transfer with your records.

Example

Use your test Secret Key and Account ID to create an AccountNumber from your backend. Attach the internal customer ID as id_cliente:

curl --request POST \
     --url https://api.fintoc.com/v2/account_numbers \
     --header 'Authorization: sk_test_9c8d8CeyBTx1VcJzuDgpm4H' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
  "account_id": "acc_Lq7dP901xZgA2B",
  "metadata": {
   "id_cliente": "12343212"
   }
}
'

The response should look like this:

{
  "id": "acno_Kasf91034gj1AD",
  "object": "account_number",
  "description": "My payins",
  "number": "000000000000000000",
  "account_id": "acc_Lq7dP901xZgA2B",
  "created_at": "2024-03-01T20:09:42.949787176Z",
  "mode": "test",
  "metadata": {
    "id_cliente": "12343212"
  }
}

Use an SDK

Use the Fintoc Python or Node SDK to create the account number:

Python

account_number = client.v2.account_numbers.create(
    account_id="acc_M8sKf230BgHjD4",
    metadata={"id_cliente": "12343212"}
)

Node

const accountNumber = await fintoc.v2.accountNumbers.create({
  account_id: 'acc_M8sKf230BgHjD4',
  metadata: {
    'id_cliente': '1234324',
  },
});

Step 2: Create a webhook endpoint to handle inbound transfer events

When you receive an inbound transfer, Fintoc sends a transfer.inbound.succeeded event. Follow the webhook guide to create a webhook endpoint that receives and processes these events. The transfer.inbound.succeeded event looks like this:

json

{
  "id": "evt_a4xK32BanKWYn",
  "type": "transfer.inbound.succeeded",
  "object": "event",
  "data": {
    "id": "tr_jKaHD105H",
    "object": "transfer",  
    "direction": "inbound",
    "status": "succeeded",
    "amount": 2864,   
    "currency": "MXN", 
    "mode": "test",
    "post_date": "2020-04-17T00:00:00.000Z", 
    "transaction_date": "2020-04-17T05:12:41.462Z",
    "comment": "Electricity bill",
    "reference_id": "130824",
    "receipt_url": "https://www.banxico.org.mx/cep/",
    "tracking_key": "s2123423423324334",
    "return_reason": null,
    "account_number": {
      "id": "acno_Kasf91034gj1AD",
      "object": "account_number",
      "account_id": "acc_Jas92lf9adg94ka",
      "description": "My payins",
      "number": "000000000000000000",
      "created_at": "2024-03-01T20:09:42.949787176Z",
      "mode": "test",
      "metadata": {
        "client_id": "12343212"
      }
    },
    "counterparty": {
      "holder_id": "AAAA010101AAA",
      "holder_name": "Test Customer 1",
      "account_number": "000000000000000000",
      "type": "clabe",  
      "institution": {
        "id": "40012",
        "name": "BBVA Mexico",
        "country": "mx" 
       }
     }
  },
  "created_at": "2020-04-22T21:10:19.254Z",
  "mode": "test"
}

Step 3: Receive a transfer at your account number

After you create an account number and webhook endpoint, send a transfer to the account number. Use the resulting webhook event to reconcile the payment. To test this flow in test mode, use the /simulate/receive_transfer endpoint to simulate an inbound transfer. The simulation follows the same flow as a real transfer to the specified account number. See the test guide for simulation instructions.

🇨🇱 Inbound transfers in Chile

Receive and reconcile inbound transfers through Fintoc’s Transfers API. Complete the setup guide before following these steps:

Create a WebhookEndpoint to handle inbound transfer events.
Receive a transfer in your Account and get notified in real time.

The following diagram shows how Fintoc interacts with you and the counterparty that sends the inbound transfer.

Step 1: Create a webhook endpoint to handle inbound transfer events

json

{
  "id": "evt_a4xK32BanKWYn",
  "type": "transfer.inbound.succeeded",
  "object": "event",
  "data": {
    "id": "tr_jKaHD105H",
    "object": "transfer",  
    "direction": "inbound",
    "status": "succeeded",
    "amount": 2864,   
    "currency": "CLP", 
    "mode": "test",
    "post_date": "2020-04-17T00:00:00.000Z", 
    "transaction_date": "2020-04-17T05:12:41.462Z",
    "comment": "Electricity bill",
    "reference_id": null,
    "receipt_url": null,
    "tracking_key": null,
    "return_reason": null,
    "account_number": {
      "id": "acno_Kasf91034gj1AD",
      "object": "account_number",
      "account_id": "acc_Jas92lf9adg94ka",
      "description": "My payins",
      "number": "000000000000000000",
      "created_at": "2024-03-01T20:09:42.949787176Z",
      "mode": "test",
      "metadata": {
        "client_id": "12343212"
      }
    },
    "counterparty": {
      "holder_id": "00000000T",
      "holder_name": "Test Customer 1",
      "account_number": "000000000000000000",
      "type": "checking_account", 
      "code": "01", 
      "institution": {
        "id": "cl_banco_santander",
        "name": "Banco Santander",
        "country": "cl" 
       }
     }
  },
  "created_at": "2020-04-22T21:10:19.254Z",
  "mode": "test"
}

Step 2: Receive a transfer at your account number

After you identify your Account and its root_account_number, add a webhook endpoint for notifications. Send a transfer to the account number, then use the resulting webhook event to reconcile the payment. To test this flow in test mode, use the /simulate/receive_transfer endpoint to simulate an inbound transfer. The simulation follows the same flow as a real transfer to the specified account number. See the test guide for simulation instructions.

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Receiving transfers

🇲🇽 Inbound transfers in Mexico

Step 1: Create an account number (SPEI CLABE)

Attach metadata to your account number

Example

Use an SDK

Step 2: Create a webhook endpoint to handle inbound transfer events

Step 3: Receive a transfer at your account number

🇨🇱 Inbound transfers in Chile

Step 1: Create a webhook endpoint to handle inbound transfer events

Step 2: Receive a transfer at your account number

​🇲🇽 Inbound transfers in Mexico

​Step 1: Create an account number (SPEI CLABE)

​Attach metadata to your account number

​Example

​Use an SDK

​Step 2: Create a webhook endpoint to handle inbound transfer events

​Step 3: Receive a transfer at your account number

​🇨🇱 Inbound transfers in Chile

​Step 1: Create a webhook endpoint to handle inbound transfer events

​Step 2: Receive a transfer at your account number

🇲🇽 Inbound transfers in Mexico

Step 1: Create an account number (SPEI CLABE)

Attach metadata to your account number

Example

Use an SDK

Step 2: Create a webhook endpoint to handle inbound transfer events

Step 3: Receive a transfer at your account number

🇨🇱 Inbound transfers in Chile

Step 1: Create a webhook endpoint to handle inbound transfer events

Step 2: Receive a transfer at your account number