SPEI Cash-Out

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

curl -X POST https://sandbox.mx.ntxpay.com/api/spei/cash-out \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "amountCentavos": 50000,
    "destinationClabe": "012180001234567890",
    "beneficiaryName": "Maria Lopez",
    "beneficiaryTaxId": "LOMA850101ABC",
    "concept": "Invoice 123 payment"
  }'

{
  "transactionId": "3f2a1c34-9d1e-4c7b-8a5e-2b6f0d9c4e71",
  "status": "PENDING",
  "destinationClabe": "012180001234567890",
  "amountCentavos": 50000,
  "referenceNumerical": "9876543",
  "createdAt": "2026-05-13T12:00:00.000Z"
}

const balance = await getBalance(token);
if (balance.availableCentavos < amountCentavos) {
  throw new Error('Insufficient balance');
}

async function speiCashOut(token: string, dto: any) {
  try {
    const { data } = await axios.post(
      'https://sandbox.mx.ntxpay.com/api/spei/cash-out',
      dto,
      { headers: { Authorization: `Bearer ${token}` } },
    );
    return data; // status: PENDING
  } catch (err) {
    if (err.response?.status === 502) {
      // We don't know whether the transaction was created. Wait for the webhook
      // (or contact support) before retrying — a blind retry can duplicate the transfer.
    }
    throw err;
  }
}