Refund a transaction

Fincore API (1.0.0)

Monato is a financial technology company specializing in SPEI transfer services in Mexico. We provide secure, fast, and reliable payment solutions for businesses, enabling seamless bank transfers through our API and platform

Download OpenAPI description

fincore-openapi.json

fincore-openapi.yaml

Servers

https://apicore.stg.finch.lat/

webhooks

Webhooks

Retrieve client credentials

Request

Returns a list of credentials associated with a specific client.

Path

clientIdstring(uuid)required

The unique identifier of the client.

Example: c2d1d1e3-3340-4170-980e-e9269bbbc551

curl -i -X GET \
  https://apicore.stg.finch.lat/v1/clients/c2d1d1e3-3340-4170-980e-e9269bbbc551/credentials \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>'

Responses

A list of client credentials.

Bodyapplication/json

dataArray of objects(Credential)

Response

application/json

{
  "data": [
    { … }
  ]
}

Create authentication token

Request

Generates an authentication credential token for a private account.

Path

clientIdstringrequired

Unique identifier for the client.

Bodyapplication/jsonrequired

client_idstringrequired

Example: "c2d1d1e3-3340-4170-980e-e9269bbbc551"

client_secretstringrequired

Example: "your_client_secret_here"

curl -i -X POST \
  'https://apicore.stg.finch.lat/v1/clients/{clientId}/auth/credential-tokens' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -d '{
    "client_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
    "client_secret": "your_client_secret_here"
  }'

Responses

Successfully created credential token.

Bodyapplication/json

idstring(uuid)

Example: "1307f4e3-3960-4b98-9a14-0b6839245cc9"

client_idstring(uuid)

Example: "c2d1d1e3-3340-4170-980e-e9269bbbc551"

client_credential_idstring(uuid)

Example: "e981c6d8-4d49-45f2-a7ee-f956dca15500"

tokenstring

JWT authentication token

Example: "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjbGllbnRfaWQiOiJjMmQxZDFlMy0zMzQwLTQxNzAtOTgwZS1lOTI2OWJiYmM1NTEiLCJleHAiOjE3NDEyODE0MTl9.ziSqMClLqwUVfyM15bqUF_7-PINY0ZiWkH01s8pO3gA"

statusstring

Enum"ACTIVE""INACTIVE"

Example: "ACTIVE"

expires_atstring(date-time)

Example: "2025-03-06 11:16:59.491631"

created_atstring(date-time)

Example: "2025-03-05 11:16:59.488685-06:00"

updated_atstring(date-time)

Example: "2025-03-05 11:16:59.488685-06:00"

deleted_atnull or string

Example: "None"

Response

application/json

{
  "id": "1307f4e3-3960-4b98-9a14-0b6839245cc9",
  "client_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
  "client_credential_id": "e981c6d8-4d49-45f2-a7ee-f956dca15500",
  "token": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjbGllbnRfaWQiOiJjMmQxZDFlMy0zMzQwLTQxNzAtOTgwZS1lOTI2OWJiYmM1NTEiLCJleHAiOjE3NDEyODE0MTl9.ziSqMClLqwUVfyM15bqUF_7-PINY0ZiWkH01s8pO3gA",
  "status": "ACTIVE",
  "expires_at": "2025-03-06 11:16:59.491631",
  "created_at": "2025-03-05 11:16:59.488685-06:00",
  "updated_at": "2025-03-05 11:16:59.488685-06:00",
  "deleted_at": "None"
}

Retrieve catalog of SPEI participants

Request

Returns a paginated list of bank and institutions that are part of the SPEI Network.

curl -i -X GET \
  https://apicore.stg.finch.lat/v1/banks \
  -H 'x-api-key: YOUR_API_KEY_HERE'

Responses

A list of institutions

Bodyapplication/json

total_banksinteger

Example: 2

pageinteger

Example: 1

page_sizeinteger

Example: 50

banksArray of objects(Bank)

Response

application/json

{
  "total_banks": 1,
  "page": 1,
  "page_size": 50,
  "banks": [
    { … }
  ]
}

Retrieve accounts for a client

Request

Returns a paginated list of accounts for the specified client.

Path

clientIdstringrequired

Unique identifier of the client

curl -i -X GET \
  'https://apicore.stg.finch.lat/v1/clients/{clientId}/accounts' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>'

Responses

Successful response with account details

Bodyapplication/json

currentPageinteger

Example: 1

perPageinteger

Example: 50

totalIteminteger

Example: 1

dataArray of objects(Account)

Response

application/json

{
  "currentPage": 1,
  "perPage": 50,
  "totalItem": 1,
  "data": [
    { … }
  ]
}

Create a private account

Request

Endpoint to create a private account for a client.

Path

clientIdstring(uuid)required

Unique identifier of the client.

Example: c2d1d1e3-3340-4170-980e-e9269bbbc551

Bodyapplication/jsonrequired

bank_idstring(uuid)required

Example: "9d84b03a-28d1-4898-a69c-38824239e2b1"

owner_idstring(uuid)required

Example: "c2d1d1e3-3340-4170-980e-e9269bbbc551"

client_bank_adapter_idstring(uuid)required

Example: "5b3a1b67-ab59-4cc1-8fc6-1d558b32b237"

client_idstring(uuid)required

Example: "c2d1d1e3-3340-4170-980e-e9269bbbc551"

account_idstring(uuid)required

Example: "24a726ac-180d-48df-82bc-711f2788a46f"

curl -i -X POST \
  https://apicore.stg.finch.lat/v1/clients/c2d1d1e3-3340-4170-980e-e9269bbbc551/private_accounts \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -d '{
    "bank_id": "9d84b03a-28d1-4898-a69c-38824239e2b1",
    "owner_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
    "client_bank_adapter_id": "5b3a1b67-ab59-4cc1-8fc6-1d558b32b237",
    "client_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
    "account_id": "24a726ac-180d-48df-82bc-711f2788a46f"
  }'

Responses

Private account created successfully.

Bodyapplication/json

idstring(uuid)

Example: "750ab428-b401-4b58-8a95-502bcb7b1bf8"

bankIdstring(uuid)

Example: "9d84b03a-28d1-4898-a69c-38824239e2b1"

clientIdstring(uuid)

Example: "c2d1d1e3-3340-4170-980e-e9269bbbc551"

clientBankAdapterIdstring(uuid)

Example: "5b3a1b67-ab59-4cc1-8fc6-1d558b32b237"

accountIdstring(uuid)

Example: "24a726ac-180d-48df-82bc-711f2788a46f"

instrumentIdstring(uuid)

Example: "ab502fce-1162-42f3-99d6-972989a06049"

ownerIdstring(uuid)

Example: "c2d1d1e3-3340-4170-980e-e9269bbbc551"

ownerTypestring

Example: "CLIENT"

accountNumberstring

Example: "000001233635"

clabeNumberstring

Example: "734180000001233635"

availableBalancestring

Example: "0.00"

accountTypestring

Example: "PRIVATE_ACCOUNT"

accountStatusstring

Example: "ACTIVE"

auditobject

bankAdapterstring

Example: "STP"

Response

application/json

{
  "id": "750ab428-b401-4b58-8a95-502bcb7b1bf8",
  "bankId": "9d84b03a-28d1-4898-a69c-38824239e2b1",
  "clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
  "clientBankAdapterId": "5b3a1b67-ab59-4cc1-8fc6-1d558b32b237",
  "accountId": "24a726ac-180d-48df-82bc-711f2788a46f",
  "instrumentId": "ab502fce-1162-42f3-99d6-972989a06049",
  "ownerId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
  "ownerType": "CLIENT",
  "accountNumber": "000001233635",
  "clabeNumber": "734180000001233635",
  "availableBalance": "0.00",
  "accountType": "PRIVATE_ACCOUNT",
  "accountStatus": "ACTIVE",
  "audit": {
    "createdAt": "2025-04-12 11:00:56.264527-06:00",
    "updatedAt": "2025-04-12 11:00:56.264527-06:00",
    "deletedAt": "None",
    "blockedAt": "None",
    "activatedAt": "None",
    "suspendedAt": "None"
  },
  "bankAdapter": "STP"
}

Create a new instrument with Card number

Request

Path

clientIdstring(uuid)required

Unique identifier of the client

Bodyapplication/jsonrequired

source_bank_idstring(uuid)required

Example: "9d84b03a-28d1-4898-a69c-38824239e2b1"

client_idstring(uuid)required

Example: "{{clientId}}"

typestringrequired

Value"RECEIVER"

Example: "RECEIVER"

rfcstringrequired

Example: "XAXX010101000"

aliasstringrequired

Example: "Debit Card A"

debit_cardobjectrequired

debit_card.destination_bank_idstring(uuid)required

Example: "d3435bd9-998d-4e8a-9067-6b71d5fd3ac7"

debit_card.card_numberstringrequired

Example: "5579072268574100"

debit_card.holder_namestringrequired

Example: "John Smith"

curl -i -X POST \
  'https://apicore.stg.finch.lat/v1/clients/{clientId}/instruments' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -d '{
    "source_bank_id": "9d84b03a-28d1-4898-a69c-38824239e2b1",
    "client_id": "{{clientId}}",
    "type": "RECEIVER",
    "rfc": "XAXX010101000",
    "alias": "Debit Card A",
    "debit_card": {
      "destination_bank_id": "d3435bd9-998d-4e8a-9067-6b71d5fd3ac7",
      "card_number": "5579072268574100",
      "holder_name": "John Smith"
    }
  }'

Create a money out transaction

Request

Bodyapplication/jsonrequired

client_idstring(uuid)

Example: "c2d1d1e3-3340-4170-980e-e9269bbbc551"

source_instrument_idstring(uuid)

Example: "709448c3-7cbf-454d-a87e-feb23801269a"

destination_instrument_idstring(uuid)

Example: "d3fdb481-2058-46c8-807d-4eaf866ae1ec"

transaction_requestobject

curl -i -X POST \
  https://apicore.stg.finch.lat/v1/transactions/money_out \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -d '{
    "client_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
    "source_instrument_id": "709448c3-7cbf-454d-a87e-feb23801269a",
    "destination_instrument_id": "d3fdb481-2058-46c8-807d-4eaf866ae1ec",
    "transaction_request": {
      "external_reference": "1234567",
      "description": "lorem ipsum dolor sit amet",
      "amount": "1.95",
      "currency": "MXN"
    }
  }'

Responses

Successfully created transaction

Bodyapplication/json

idstring(uuid)

Example: "16811ee8-1ef9-4dd4-8d84-9c2df89cf302"

bankIdstring(uuid)

Example: "9d84b03a-28d1-4898-a69c-38824239e2b1"

clientIdstring(uuid)

Example: "c2d1d1e3-3340-4170-980e-e9269bbbc551"

externalReferencestring

Example: "1234567"

trackingIdstring

Example: "20250306FINCHVLIKQ5SKUM"

descriptionstring

Example: "lorem ipsum dolor sit amet"

amountstring

Example: "1.95"

currencystring

Example: "MXN"

categorystring

Example: "DEBIT_TRANS"

subCategorystring

Example: "SPEI_DEBIT"

transactionStatusstring

Example: "INITIALIZED"

auditobject

Response

application/json

{
  "id": "16811ee8-1ef9-4dd4-8d84-9c2df89cf302",
  "bankId": "9d84b03a-28d1-4898-a69c-38824239e2b1",
  "clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
  "externalReference": "1234567",
  "trackingId": "20250306FINCHVLIKQ5SKUM",
  "description": "lorem ipsum dolor sit amet",
  "amount": "1.95",
  "currency": "MXN",
  "category": "DEBIT_TRANS",
  "subCategory": "SPEI_DEBIT",
  "transactionStatus": "INITIALIZED",
  "audit": {
    "createdAt": "2025-03-06 11:57:55.408000-06:00",
    "updatedAt": "2025-03-06 11:57:55.408000-06:00",
    "deletedAt": "None",
    "blockedAt": "None"
  }
}

Refund a transaction

Request

Path

clientIdstringrequired

transactionIdstringrequired

Bodyapplication/jsonrequired

refundReasonstring

Text with the refund reason

Example: "Invalid amount"

curl -i -X POST \
  'https://apicore.stg.finch.lat/v1/clients/{clientId}/transactions/{transactionId}/refund' \
  -H 'Content-Type: application/json' \
  -H 'x-api-key: YOUR_API_KEY_HERE' \
  -d '{
    "refundReason": "Invalid Amount"
  }'

Responses

Refund successfully created

Bodyapplication/json

idstring(uuid)

Example: "957459ce-d4e3-40b5-b759-373e844ba1e8"

bankIdstring(uuid)

Example: "9d84b03a-28d1-4898-a69c-38824239e2b1"

clientIdstring(uuid)

Example: "c2d1d1e3-3340-4170-980e-e9269bbbc551"

externalReferencestring

Example: "2505091"

trackingIdstring

Example: "20250510FINCHFL2SFGP9KT"

descriptionstring

Example: "lorem ipsum dolor sit amet"

amountstring(decimal)

Example: "100.00"

currencystring

Example: "MXN"

categorystring

Example: "DEBIT_TRANS"

subCategorystring

Example: "SPEI_DEBIT"

transactionStatusstring

Example: "INITIALIZED"

auditobject

Response

application/json

{
  "id": "957459ce-d4e3-40b5-b759-373e844ba1e8",
  "bankId": "9d84b03a-28d1-4898-a69c-38824239e2b1",
  "clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
  "externalReference": "2505091",
  "trackingId": "20250510FINCHFL2SFGP9KT",
  "description": "lorem ipsum dolor sit amet",
  "amount": "100.00",
  "currency": "MXN",
  "category": "DEBIT_TRANS",
  "subCategory": "SPEI_DEBIT",
  "transactionStatus": "INITIALIZED",
  "audit": {
    "createdAt": "2025-05-09 18:02:31.979746-06:00",
    "updatedAt": "2025-05-09 18:02:31.979746-06:00",
    "deletedAt": null,
    "blockedAt": null
  }
}

Register a webhook

Request

Endpoint to register a new url where to receive webhooks.

Bodyapplication/jsonrequired

client_idstringrequired

Example: "{{clientId}}"

urlstring(uri)required

Example: "https://example.com/webhook"

tokenstringrequired

Example: "secretToken0123"

webhook_typestringrequired

Enum"MONEY_IN""STATUS_UPDATE"

Example: "MONEY_IN"

curl -i -X POST \
  https://apicore.stg.finch.lat/v1/webhooks \
  -H 'Content-Type: application/json' \
  -H 'x-api-key: YOUR_API_KEY_HERE' \
  -d '{
    "client_id": "{{clientId}}",
    "url": "https://example.com/webhook",
    "token": "secretToken0123",
    "webhook_type": "MONEY_IN"
  }'

Responses

Webhook successfully created

Bodyapplication/json

idstring

Example: "29806117-2b15-4682-87f0-350e6695fe91"

clientIdstring

Example: "c2d1d1e3-3340-4170-980e-e9269bbbc551"

urlstring

Example: "https://example.com/webhook"

tokenstring

Example: "secretToken0123"

webhookTypestring

Example: "MONEY_IN"

webhookStatusstring

Example: "ACTIVE"

createdAtstring(date-time)

Example: "2025-04-03 13:40:54.056794-06:00"

updatedAtstring(date-time)

Example: "2025-04-03 13:40:54.056794-06:00"

deletedAtnull or string

Example: "None"

blockedAtnull or string

Example: "None"

deletedBynull or string

Example: "None"

blockedBynull or string

Example: "None"

Response

application/json

{
  "id": "29806117-2b15-4682-87f0-350e6695fe91",
  "clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
  "url": "https://example.com/webhook",
  "token": "secretToken0123",
  "webhookType": "MONEY_IN",
  "webhookStatus": "ACTIVE",
  "createdAt": "2025-04-03 13:40:54.056794-06:00",
  "updatedAt": "2025-04-03 13:40:54.056794-06:00",
  "deletedAt": "None",
  "blockedAt": "None",
  "deletedBy": "None",
  "blockedBy": "None"
}

Fincore API (1.0.0)

webhooks

Retrieve client credentials

Request

Responses

Was this helpful?

Create authentication token

Request

Responses

Was this helpful?

Retrieve catalog of SPEI participants

Request

Responses

Was this helpful?

Retrieve accounts for a client

Request

Responses

Was this helpful?

Create a private account

Request

Responses

Was this helpful?

Create a new instrument with Card number

Request

Was this helpful?

Create a money out transaction

Request

Responses

Was this helpful?

Refund a transaction

Request

Responses

Was this helpful?

Register a webhook

Request

Responses

Was this helpful?

Fincore API (1.0.0)

webhooks

Retrieve client credentials

Request

Responses

Was this helpful?

Create authentication token

Request

Responses

Was this helpful?

Retrieve catalog of SPEI participants

Request

Responses

Was this helpful?

Retrieve accounts for a client

Request

Responses

Was this helpful?

Create a private account

Request

Responses

Was this helpful?

Create a new instrument with Card number

RequestExpand all

Was this helpful?

Create a money out transaction

RequestExpand all

Responses

Was this helpful?

Refund a transaction

Request

Responses

Was this helpful?

Register a webhook

Request

Responses

Was this helpful?

Request

Request