Bank payment rules
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).
receiver.bankAccountNumberis interpreted by length:- 18 digits: CLABE
- 16 digits: card number
- 10 digits: phone number
customerReferenceis the SPEI numeric reference (referencia numérica). It must be 1 to 7 numeric digits and greater than 0.paymentDetailsis 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 |
|---|---|---|---|
| customerReference | Numeric, 1 to 7 digits, greater than 0 Example: 1234567 | 7 | M |
| paymentDetails | Free text | 30 | M |
| receiver.name | Free text | 60 | M |
| receiver.bankAccountNumber | Numeric: 18 digits (CLABE), 16 digits (card), or 10 digits (phone) | 18 | M |
| 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.
paymentDetailsis the debit reference (concepto de pago) shown on the sender's statement.customerReferenceis the payment reference (concepto de pago) shown to the receiver.- If
customerReferenceis omitted, Acme default the mandatorypaymentDetailsvalue 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 |
|---|---|---|---|
| customerReference | Free text | 30 | O |
| paymentDetails | Free text | 30 | M |
| receiver.name | Free text | 60 | M |
| 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"
}
}