Mexico

Introduction

In Mexico, SPEI CLABE accounts simplify the payment flow by ensuring that transactions are processed correctly through a unique code. This reduces human errors since no additional information (e.g., account number, ID, bank, account type, etc.) is required to complete a transfer.

Our SPEI CLABE per Customer model allows each user to be assigned a unique CLABE account, which is linked to a specific merchant. This model should be used by merchants who want to reduce friction for their users during the payment process by eliminating checkout steps and enabling proactive payments without requiring a linked purchase order.

For the gambling segment, this model streamlines the account funding process.

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To start accepting payments with the SPEI CLABE per Customer, you will need to request the activation of this feature and provide the following new enpoints:

Default Customer Events Notification Url: This is where you will receive all notifications related to the Customer management module.

Virtual Account Payment Notification Url: This is where you will receive all notifications related to the Virtual Account Payments. The webhooks sent to this URL will include the parameter "type": "virtual_account_payment" that distinguishes them from our regular Transaction webhooks.

Note: Both of these endpoints must be HTTPS and accessible from the PayRetailers infrastructure.

Overview

Once your Shop has the new feature enabled, the process of creating a unique CLABE account for a customer can be initiated one of two ways:

• The customer initiates a transaction, for which our system will create the CLABE that will be unique and associated to both the customer and shop. That CLABE will be shown to them in the checkout page. Important: In order for our system to be able to create the Customer and its CLABE, it is required that the Transaction request includes either a valid CURP (personalId) or a uniqueCustomerIdentifier; see theTransaction section of our API Reference for more information.
• The merchant sends a request to the PayRetailers Customer Management Module including the corresponding document number (CURP) of the user to create the CLABE account.

Once the unique CLABE has been created, the customer will be able to make transfers to it without the need to manually create a new transaction. When the funds are received a transaction will automatically be created in our system and the Merchant will be notified of the result.

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When a Customer initiates a transfer into their virtual account you will receive a webhook notification to the URL provided above with the result of that transaction, but you will not have a previously created transaction to reconcile.

See the Clabe per customer section for a model of the webhook.

The following diagram compares the traditional payment flow for SPEI (noted in gray) with the new CLABE per Customer (noted in green):