# Money Out to Debit Card

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.

## Create an Instrument

**Endpoint**:
`POST /v1/clients/{{clientId}}/instruments`

**Request**
**Path parameters**:

* **clientId**: `c2d1d1e3-3340-4170-980e-e9269bbbc551`


**Query Parameters**: none
**Request Body**:


```json
{
    "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**:


```json
{
    "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"
}
```

## Money Out

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.

Endpoint
`POST /v1/transactions/money_out`

**Request**
**Path parameters**: none
**Query Parameters**: none
**Request Body**:


```json
{
  "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](#collecting-information)
The value for `destination_instrument_id` is from the previous [request](#create-an-instrument)

**Response**
**Status Code**: 200 OK
**Response Body**:


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