# Acme Banco Azteca Mexico Payments (API) (/guides/baz-mx-payments)



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 [#common-definitions]

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

## MX\_SPEI [#mx_spei]

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

<Callout type="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.
</Callout>

| field                           | pattern / charset                                                  | max length | mandatory/optional |
| ------------------------------- | ------------------------------------------------------------------ | ---------- | ------------------ |
| customerReference               | Numeric, 1 to 7 digits, greater than 0 <br /> 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 <br /> Example: `40128`  |            | M                  |

Example Request:

```json
{
  "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 [#bktr]

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

<Callout type="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.
</Callout>

| 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:

```json
{
  "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"
  }
}
```