> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mx.ntxpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# SPEI Cash-Out

> Send SPEI transfers to any CLABE

## Overview

**SPEI cash-out** sends an interbank transfer to a **destination CLABE**. The account balance is debited and NTX Pay processes the transfer over the SPEI network. Confirmation arrives via `cash_out` webhook.

## Endpoint

### POST /api/spei/cash-out

#### Headers

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

#### Request

```bash theme={"system"}
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"
  }'
```

#### Response (201)

```json theme={"system"}
{
  "id": 56789,
  "status": "PENDING",
  "destinationClabe": "012180001234567890",
  "amountCentavos": 50000,
  "referenceNumerical": "9876543",
  "createdAt": "2026-05-13T12:00:00.000Z"
}
```

## Request Fields

<ParamField path="amountCentavos" type="integer" required>
  Value in MXN centavos (minimum 1). Ex.: `50000` = \$500.00 MXN.
</ParamField>

<ParamField path="destinationClabe" type="string" required>
  Destination CLABE — **exactly 18 numeric digits** (regex: `^\d{18}$`).
</ParamField>

<ParamField path="beneficiaryName" type="string" required>
  Beneficiary name (3–255 characters).
</ParamField>

<ParamField path="beneficiaryTaxId" type="string">
  Beneficiary RFC/CURP (10–20 characters). Recommended for reconciliation.
</ParamField>

<ParamField path="concept" type="string">
  Concept shown on the beneficiary's statement (up to 255 characters).
</ParamField>

## Balance Validation

Before sending, validate the balance:

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

<Warning>
  Insufficient balance returns `400` — the transaction is **not created**. Apply idempotency on the client side (don't reprocess the same order after `400` without revalidating the balance).
</Warning>

## States

| Status      | Meaning                                        |
| ----------- | ---------------------------------------------- |
| `PENDING`   | Cash-out accepted, waiting for SPEI settlement |
| `CONFIRMED` | Settled at Banxico                             |
| `FAILED`    | Rejected by the SPEI network                   |

## Error Codes

| Code  | Cause                                                                                             |
| ----- | ------------------------------------------------------------------------------------------------- |
| `400` | Insufficient balance, invalid CLABE, invalid payload                                              |
| `401` | Invalid token                                                                                     |
| `502` | Service temporarily unavailable — don't retry without checking status via `GET /api/transactions` |

## Node.js Example with Retry

```typescript theme={"system"}
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 if the transaction was created. Query /api/transactions filtering by externalId
      // before retrying.
    }
    throw err;
  }
}
```

## Next Steps

<CardGroup cols={2}>
  <Card title="cash_out webhook" href="/en/guides/webhooks/cash-out">
    Details of the settlement webhook payload
  </Card>
</CardGroup>