🇲🇽Mexico

Check the requirements and validations made over the cashouts on Mexico

Required fields

Field	Format	Description
login	String	Cashouts login
pass	String	Cashouts pass
external_id	String (max length: 100)	Transaction's ID on your end
document_id	See document validations	Beneficiary's document ID
country	MX	See country codes
currency	MXN / USD	See currency codes
amount	Number with up to 2 decimals	Cashout amount
bank_code	See bank codes	Code specifying the beneficiary's bank. Only mandatory if the bank_account is a debit card
bank_account	See validations below	Beneficiary's bank account
beneficiary_name	String (max length: 100)	Beneficiary's name
beneficiary_lastname	String (max length: 100)	Beneficiary's last name

Bank Account Validations

Bank name	Bank code	Format	Example
All	-	CLABE: 18 digits long, applies verifier algorithm.	021790064060296642
All	-	DEBIT CARD: 15-16 digits long, applies verifier algorithm. Can only be sent through the Cashout to Debit Cards Endpoint.	5344867217683750
Todito	10000	10 digits long.	2682883311
Kiosko	10008	Empty String	-

CLABE validation algorithm

Click here for more information about CLABE format.

Since the first three digits of the CLABE are the bank code, it is not mandatory to send the bank_code field.

Java

Mexico CLABE validation algorithm in Java

public final class Validations {
    static int CLABE_LENGTH = 18;
    
    private static boolean validateClabeLength(String bankAccount) {
        return bankAccount.length() == CLABE_LENGTH;
    }
    
    private static boolean validateClabe(String clabe) {
        if (!validateClabeLength(clabe)) {
            return false;
        } else {
            int sum = 0;
            String clabeWithoutCd = clabe.substring(0, 17);
            Integer[] array = new Integer[]{3, 7, 1};
    
            int checkDigitToVerify;
            for(checkDigitToVerify = 0; checkDigitToVerify < clabeWithoutCd.length(); ++checkDigitToVerify) {
                int digit = clabeWithoutCd.charAt(checkDigitToVerify);
                sum += digit * array[checkDigitToVerify % 3] % 10;
            }
    
            checkDigitToVerify = (10 - sum % 10) % 10;
            int checkDigit = Integer.parseInt(clabe.substring(17));
            return checkDigitToVerify == checkDigit;
        }
    }
}

Document Validations

Click here to check document types and validations.

Example Request

{
    "login": "xxxxxxxx",
    "pass": "xxxxxxxx",
    "external_id": "30000000001",
    "country": "MX",
    "currency": "MXN",
    "amount": 100,
    "document_id": "848392783",
    "bank_account": "021790064060296642",
    "beneficiary_name": "User",
    "beneficiary_lastname": "Test",
    "notification_url": "https://webhook.site/url",
    "type": "json"
}

Bank codes

Notice that the bank_code for Mexico is only mandatory if the bank_account length is between 15 and 16 (Debit Card). In that case, use the Credit Cards endpoint: https://cc-api-stg.directa24.com/v3/cashout

Bank	Code
BANAMEX	002
BANCOMEXT	006
BANOBRAS	009
BBVA BANCOMER	012
SANTANDER	014
BANJERCITO	019
HSBC	021
BAJIO	030
IXE	032
INBURSA	036
INTERACCIONES	037
MIFEL	042
SCOTIABANK	044
BANREGIO	058
INVEX	059
BANSI	060
AFIRME	062
BANORTE	072
THE ROYAL BANK	102
AMERICAN EXPRESS	103
BAMSA	106
TOKYO	108
JP MORGAN	110
BMONEX	112
VE POR MAS	113
ING	116
DEUTSCHE	124
CREDIT SUISSE	126
AZTECA	127
AUTOFIN	128
BARCLAYS	129
COMPARTAMOS	130
BANCO FAMSA	131
BMULTIVA	132
ACTINVER	133
WALMART	134
NAFIN	135
INTERBANCO	136
BANCOPPEL	137
ABC CAPITAL	138
UBS BANK	139
CONSUBANCO	140
VOLKSWAGEN	141
CIBANCO	143
BBASE	145
BANKAOOL	147
PAGATODO	148
INMOBILIARIO	150
DONDE	151
BANCREA	152
BANCO COVALTO	154
SABADELL	156
BANSEFI	166
HIPOTECARIA FEDERAL	168
MONEXCB	600
GBM	601
MASARI	602
VALUE	605
ESTRUCTURADORES	606
TIBER	607
VECTOR	608
B&B	610
MERRILL LYNCH	615
FINAMEX	616
VALMEX	617
UNICA	618
MAPFRE	619
PROFUTURO	620
CB ACTINVER	621
OACTIN	622
SKANDIA VIDA	623
CBDEUTSCHE	626
ZURICH	627
ZURICHVI	628
SU CASITA	629
CB INTERCAM	630
CI BOLSA	631
BULLTICK CB	632
STERLING	633
FINCOMUN	634
HDI SEGUROS	636
ORDER	637
NUBANK	638
CB JPMORGAN	640
REFORMA	642
STP	646
TELECOMM	647
EVERCORE	648
SKANDIA OPERADORA	649
SEGMTY	651
ASEA	652
KUSPIT	653
SOFIEXPRESS	655
UNAGRA	656
OPCIONES EMPRESARIALES DEL NOROESTE	659
LIBERTAD	670
MERCADO PAGO W	722
CLS	901
INDEVAL	902
Todito	10000
Kiosko	10008

For the full and most up-to-date list of banks and its codes, please check the Cashout Bank Code endpoint.

Handling Rejected Payouts in Mexico

For payouts processed in Mexico through the STP provider, please note that rejected payouts may initially appear as "Completed" for a few seconds before being updated to "Rejected." This is a common behavior due to the processing flow in this region. To avoid discrepancies, we recommend that merchants adjust their integration to automatically reject payouts if a "Rejected" notification is received after a "Completed" notification, ensuring accurate handling of cashouts and preventing confusion or customer complaints.

*There are cases in which the banks confirm that a payout was successfully processed and after a few days, it gets returned by the beneficiary's bank therefore the status on our platform will change to REJECTED as well. Those are corner cases but must be considered.