Money Out to Debit Card
Debir Cards have a CLABE associated with them, but sometimes you will have only the debit card number (16 digits) and not the CLABE associated with it. You can send a SPEI transaction directly to a debit card. In order to do that, you will need to create an Instrument with the Card's details.
Create an Instrument
Endpoint:POST /v1/clients/{{clientId}}/instruments
Request
Path parameters:
- clientId:
c2d1d1e3-3340-4170-980e-e9269bbbc551
Query Parameters: none
Request Body:
{
"source_bank_id": "9d84b03a-28d1-4898-a69c-38824239e2b1",
"client_id":"{{clientId}}",
"type":"RECEIVER",
"rfc":"XAXX010101000",
"alias":"Tarjeta de Debito A",
"debit_card":{
"destination_bank_id":"d3435bd9-998d-4e8a-9067-6b71d5fd3ac7",
"card_number":"5579072268574100",
"holder_name":"Pedro Navajas Dos"
}
}Note: holder_name must have a maxLength of 40.
In this example we are using the bank_id for Banamex, you can use the /v1/banks endpoint to search for other Banks.
Response
Status Code: 200 OK
Response Body:
{
"id": "dd7f8d89-94dd-43ca-871b-720fde378b52",
"bankId": "d3435bd9-998d-4e8a-9067-6b71d5fd3ac7",
"clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
"ownerId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
"alias": "Tarjeta con expiracion",
"type": "RECEIVER",
"instrumentDetail": {
"cardNumber": "5579072268574100",
"expirationDate": "None",
"holderName": "Pedro Navajas Dos"
},
"audit": {
"createdAt": "2025-05-19 19:03:51.084659-06:00",
"updatedAt": "2025-05-19 19:03:51.084659-06:00",
"deletedAt": "None",
"blockedAt": "None"
},
"rfc": "XAXX010101000"
}Money Out
With the instrument associated to the recipient's Debit Card, and the default Instrument associated with your Centralizing Account, we have all the required data to initiate Money Out transactions.
EndpointPOST /v1/transactions/money_out
Request
Path parameters: none
Query Parameters: none
Request Body:
{
"client_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
"source_instrument_id": "709448c3-7cbf-454d-a87e-feb23801269a",
"destination_instrument_id":"dd7f8d89-94dd-43ca-871b-720fde378b52",
"transaction_request": {
"external_reference":"7654329",
"description":"lorem ipsum dolor sit amet",
"amount":"1.95",
"currency":"MXN"
}
}The value for source_instrument_id is your default instrument
The value for destination_instrument_id is from the previous request
Response
Status Code: 200 OK
Response Body:
{
"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"
}
}