Acme Banco Azteca Mexico Payments (API)

This describes validations / allowed data formats for Acme payments going through Banco Azteca Mexico (AZTKMXMMXXX) over the Banco Azteca API. These will be validated by Acme and further validated by the bank. These rules may be stricter than what the bank requires.

Common Definitions

• All payments must be in MXN.
• CLABE (Clave Bancaria Estandarizad) is the 18-digit standardized Mexican bank account number.

MX_SPEI

SPEI (Sistema de Pagos Electrónicos Interbancarios) for interbank transfers of Mexican Pesos (MXN).

info

• receiver.bankAccountNumber is interpreted by length:
  • 18 digits: CLABE
  • 16 digits: card number
  • 10 digits: phone number
• customerReference is the SPEI numeric reference (referencia numérica). It must be 1 to 7 numeric digits and greater than 0.
• paymentDetails is the payment reference (concepto de pago) shown to the receiver.
• SPEI payments are expected to be completed within an average of 30 seconds, according to information published by Banco de México.

field	pattern / charset	max length	mandatory/optional
payments[N].customerReference	Numeric, 1 to 7 digits, greater than 0 Example: 1234567	7	M
payments[N].paymentDetails	Free text	30	M
payments[N].receiver.name	Free text	60	M
payments[N].receiver.bankAccountNumber	Numeric: 18 digits (CLABE), 16 digits (card), or 10 digits (phone)	18	M
payments[N].receiver.localRoutingIdentifier	Banxico bank code of the beneficiary bank Example: 40128		M

Example Request:

{
  "type": "MX_SPEI",
  "amount": 150000,
  "currency": "MXN",
  "senderAccountId": "intacc_0H3BQNTQGBW2W",
  "customerReference": "1234567",
  "paymentDetails": "Payment for invoice 001",
  "receiver": {
    "name": "Juan Pérez García",
    "bankAccountNumber": "012180012345678901",
    "localRoutingIdentifier": "40012"
  }
}

BKTR

In-house book transfer between Banco Azteca (AZTKMXMMXXX) accounts.

info

• paymentDetails is the debit reference (concepto de pago) shown on the sender's statement.
• customerReference is the payment reference (concepto de pago) shown to the receiver.
• If customerReference is omitted, Acme default the mandatory paymentDetails value in both fields.
• The beneficiary account is always treated as a checking account.
• Book transfers (traspasos) and comprobantes are expected to be completed within 1 minute.

field	pattern / charset	max length	mandatory/optional
payments[N].customerReference	Free text	30	O
payments[N].paymentDetails	Free text	30	M
payments[N].receiver.name	Free text	60	M
payments[N].receiver.bankAccountNumber	Numeric Banco Azteca account number (14 or 20 digits)	20	M

Example Request:

{
  "type": "BKTR",
  "amount": 150000,
  "currency": "MXN",
  "senderAccountId": "intacc_0H3BQNTQGBW2W",
  "customerReference": "Pago de servicios",
  "paymentDetails": "Payment for invoice 001",
  "receiver": {
    "name": "Comercializadora Azteca SA de CV",
    "bankAccountNumber": "12345678901234"
  }
}