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Overview

SPEI cash-in generates a disposable CLABE that the payer uses to make a SPEI transfer from their banking app. When NTX Pay receives the settlement, the transaction moves to CONFIRMED and triggers the cash_in webhook. Characteristics:
  • CLABE valid for a single transfer (one-time use)
  • Asynchronous confirmation (seconds to minutes)
  • Expires on configurable date (default ~24 hours)

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Endpoint

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POST /api/spei/cash-in

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Headers

Authorization: Bearer {token}
Content-Type: application/json

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Request

curl -X POST https://sandbox.mx.ntxpay.com/api/spei/cash-in \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "amountCentavos": 50000,
    "externalId": "order-abc-123",
    "description": "Order #123",
    "customerName": "Juan Perez",
    "customerEmail": "juan@example.com",
    "customerTaxId": "PEPJ800101ABC"
  }'

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Response (201)

{
  "id": 12345,
  "status": "PENDING",
  "destinationClabe": "012180001234567890",
  "beneficiary": {
    "name": "NTX Pay MX",
    "taxId": "NTX800101ABC"
  },
  "referenceNumerical": "1234567",
  "checkoutUrl": "https://pay.ntxpay.com/checkout/xyz",
  "expiresAt": "2026-05-14T23:59:59.000Z",
  "amountCentavos": 50000
}

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Request Fields

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amountCentavos
integer
required
Value in MXN centavos (minimum 1). Ex.: 50000 = $500.00 MXN.
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externalId
string
Unique external identifier (up to 100 characters). Use to correlate with your system. Recommended for idempotency.
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description
string
Charge description (up to 255 characters).
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customerName
string
required
Payer name (1–255 characters), shown on the SPEI checkout.
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customerEmail
string
required
Payer email (valid email format).
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customerTaxId
string
Payer RFC/CURP (10–20 characters).

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Payment Flow

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Transaction States

StatusMeaning
PENDINGCLABE issued, waiting for transfer
CONFIRMEDTransfer received and settled
FAILEDProcessing error
EXPIREDCLABE expired without receiving transfer

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Idempotency

Resend the same request with the same externalId to ensure that a network failure doesn’t generate two charges. In case of duplication, NTX Pay returns the existing charge.

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Next Steps

cash_in webhook

Details of the confirmation webhook payload

SPEI Cash-Out

Send SPEI transfers