Penny Validation API

Overview

The Penny Validation API enables account ownership verification by sending a minimal payment (penny) to a beneficiary account. This process generates a CEP (Comprobante Electrónico de Pago) that provides verified account holder information and creates an official payment receipt through BANXICO.

Key Benefits

Account Verification: Confirm the actual account holder matches your intended recipient
Official Documentation Generate XML or PDF receipts for compliance and record-keeping
Fraud Prevention: Reduce payment errors and fraudulent transactions

Important Considerations

Processing Time: CEP generation depends on the beneficiary's bank and may vary significantly
Supported Accounts: Currently supports CLABE accounts only (debit card support planned)
Future Enhancements: PDF storage and automated recipient matching features are in development

Authentication

All requests require authentication using your token in the Authorization header: Authorization: Bearer TOKEN

Penny Validation endpoint

Endpoint POST /v2/accounts/{{accountId}}/penny-validation

Request Path parameters: none Query Parameters: none Request Body:

{
  "institutionKey": "40002",  
  "holderName": "Juan Perez Perez",
  "rfc": "XAXXXX000",
  "clabe": "002180123456789017"
}

Response
Status Code: 200 OK
Response Body:

{
  "id": "uuid",
  "status": "success",
  "message": "We received your request, you will get a webhook once we have the information"
}

Penny Validation Webhook Response

Monato will keep checking for the CEP to be generated. Keep in mind that the beneficiary's bank is the one that generates the CEP and not us. When we get the beneficiary's bank response, we will share it through the following webhook.

{
  "id":"0197105f-14a6-7d71-84f8-0f2d091f9d40",
  "transactionId": "0e22da48-cc92-4854-9663-e4232f8ca12f", <<
  "institutionKey": "40002",
  "clabe": "002180123456789017"
  "cepHolderName":"Juan Perez Perez",
  "cepRfc":"X0XXXX000",
  "cepUrl": "https://www.banxico.org.mx/cep/",
  "processedAt: "2025-05-20T12:34:56Z"
}