Debir Cards have a CLABE associated with them, but sometimes you will have only the debit card number (16 digits) and not the CLABE associated with it. You can send a SPEI transaction directly to a debit card. In order to do that, you will need to create an Instrument with the Card's details.
Endpoint:POST /v1/clients/{{clientId}}/instruments
Request
Path parameters:
- clientId:
c2d1d1e3-3340-4170-980e-e9269bbbc551
Query Parameters: none
Request Body:
{
"source_bank_id": "9d84b03a-28d1-4898-a69c-38824239e2b1",
"client_id":"{{clientId}}",
"type":"RECEIVER",
"rfc":"XAXX010101000",
"alias":"Tarjeta de Debito A",
"debit_card":{
"destination_bank_id":"d3435bd9-998d-4e8a-9067-6b71d5fd3ac7",
"card_number":"5579072268574100",
"holder_name":"Pedro Navajas Dos"
}
}Note: holder_name must have a maxLength of 40.
In this example we are using the bank_id for Banamex, you can use the /v1/banks endpoint to search for other Banks.
Response
Status Code: 200 OK
Response Body:
{
"id": "dd7f8d89-94dd-43ca-871b-720fde378b52",
"bankId": "d3435bd9-998d-4e8a-9067-6b71d5fd3ac7",
"clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
"ownerId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
"alias": "Tarjeta con expiracion",
"type": "RECEIVER",
"instrumentDetail": {
"cardNumber": "5579072268574100",
"expirationDate": "None",
"holderName": "Pedro Navajas Dos"
},
"audit": {
"createdAt": "2025-05-19 19:03:51.084659-06:00",
"updatedAt": "2025-05-19 19:03:51.084659-06:00",
"deletedAt": "None",
"blockedAt": "None"
},
"rfc": "XAXX010101000"
}With the instrument associated to the recipient's Debit Card, and the default Instrument associated with your Centralizing Account, we have all the required data to initiate Money Out transactions.
EndpointPOST /v1/transactions/money_out
Request
Path parameters: none
Query Parameters: none
Request Body:
{
"client_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
"source_instrument_id": "709448c3-7cbf-454d-a87e-feb23801269a",
"destination_instrument_id":"dd7f8d89-94dd-43ca-871b-720fde378b52",
"transaction_request": {
"external_reference":"7654329",
"description":"lorem ipsum dolor sit amet",
"amount":"1.95",
"currency":"MXN"
}
}The value for source_instrument_id is your default instrument
The value for destination_instrument_id is from the previous request
Response
Status Code: 200 OK
Response Body:
{
"id": "16811ee8-1ef9-4dd4-8d84-9c2df89cf302",
"bankId": "9d84b03a-28d1-4898-a69c-38824239e2b1",
"clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
"externalReference": "1234567",
"trackingId": "20250306FINCHVLIKQ5SKUM",
"description": "lorem ipsum dolor sit amet",
"amount": "1.95",
"currency": "MXN",
"category": "DEBIT_TRANS",
"subCategory": "SPEI_DEBIT",
"transactionStatus": "INITIALIZED",
"audit": {
"createdAt": "2025-03-06 11:57:55.408000-06:00",
"updatedAt": "2025-03-06 11:57:55.408000-06:00",
"deletedAt": "None",
"blockedAt": "None"
}
}