# Debit Card Money Out

Use this guide when the beneficiary provides a 16-digit debit card number instead
of a CLABE.

The Money Out operation is the same. The difference is the destination instrument
variant you register first.

## Flow

| Step | Action | OpenAPI contract | Save |
|  --- | --- | --- | --- |
| 1 | Retrieve issuing banks | [Retrieve SPEI participants](/products/fincore/guides/instruments#retrieve-spei-participants) | Issuing bank ID. |
| 2 | Register debit-card instrument | [Register instrument](/products/fincore/guides/instruments#register-instrument) | Destination instrument `id`. |
| 3 | Send Money Out | [Create Money Out transaction](/products/fincore/guides/money-out#create-money-out-transaction) | Transaction ID, tracking ID, initial status. |
| 4 | Reconcile status | [Status update webhook event](/products/fincore/guides/webhooks#status-update-webhook-event) | Final transaction state. |


## Operational notes

| Topic | Reference |
|  --- | --- |
| Debit-card request schema | [Register instrument](/products/fincore/guides/instruments#register-instrument) |
| Idempotent retries | [Idempotency](/products/fincore/guides/idempotency) |
| Validation and business errors | [Error catalog](/products/fincore/guides/error-catalog) |


## Related pages

- [Instruments](/products/fincore/guides/instruments)
- [Money Out](/products/fincore/guides/money-out)
- [Idempotency](/products/fincore/guides/idempotency)