SPEI transfer tracking in Banxico

Try it

From the image to the verdict.

A real payment. We extract the details from the image and confirm it with Banxico. See the response exactly as it looks in the platform or in the API.

Confirmed

$250.00

Validated with Banxico · Sep 8 2026, 13:10

Receipt received
Details extracted
Checked with Banxico
Confirmed

Sender: JORGE A. · BBVA MEXICO
Beneficiary: JESUS M. · BANORTE
Operation date: 2026-09-08
Type: OCR confidence 0.90
Tracking key: MBAN01002609080051771699
Official receipt: CEP as PDF · XML

POST /v1/validate-ocr

curl -X POST https://api.veriko.mx/v1/validate-ocr \
  -H "Authorization: Bearer veriko_TU_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "image_url": "https://tu-sistema.com/comprobante.jpg" }'

const res = await fetch("https://api.veriko.mx/v1/validate-ocr", {
  method: "POST",
  headers: {
    "Authorization": "Bearer veriko_TU_API_KEY",
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    image_url: "https://tu-sistema.com/comprobante.jpg",
  }),
});

const { data } = await res.json();
console.log(data.attributes.status); // "valid"

import requests

res = requests.post(
    "https://api.veriko.mx/v1/validate-ocr",
    headers={"Authorization": "Bearer veriko_TU_API_KEY"},
    json={"image_url": "https://tu-sistema.com/comprobante.jpg"},
)

print(res.json()["data"]["attributes"]["status"])  # "valid"

$ch = curl_init("https://api.veriko.mx/v1/validate-ocr");
curl_setopt_array($ch, [
    CURLOPT_POST           => true,
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_HTTPHEADER     => [
        "Authorization: Bearer veriko_TU_API_KEY",
        "Content-Type: application/json",
    ],
    CURLOPT_POSTFIELDS => json_encode([
        "image_url" => "https://tu-sistema.com/comprobante.jpg",
    ]),
]);

$data = json_decode(curl_exec($ch), true)["data"];
echo $data["attributes"]["status"]; // "valid"

body, _ := json.Marshal(map[string]any{
    "image_url": "https://tu-sistema.com/comprobante.jpg",
})

req, _ := http.NewRequest("POST", "https://api.veriko.mx/v1/validate-ocr", bytes.NewReader(body))
req.Header.Set("Authorization", "Bearer veriko_TU_API_KEY")
req.Header.Set("Content-Type", "application/json")

res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
// res → { "data": { "attributes": { "status": "valid" } } }

Response

200 OK "status": "valid" Confirmed

{
    "data": {
        "type": "validation",
        "id": "c3d4e5f6-a7b8-4012-8def-123456789012",
        "attributes": {
            "validation_type": "ocr",
            "is_playground": false,
            "status": "valid",
            "banxico_status": "valid",
            "processing_time_ms": 11700,
            "created_at": "2026-09-08T19:28:06Z",
            "completed_at": "2026-09-08T19:28:18Z",
            "request_data": {
                "image_url": "https://tu-sistema.com/comprobante.jpg"
            },
            "image_path": "ocr/2026/09/c3d4e5f6-a7b8-4012-8def-123456789012.jpg",
            "ocr_result": {
                "tipo_comprobante": "spei",
                "clave_rastreo": "MBAN01002609080051771699",
                "referencia_numerica": "0509260",
                "fecha": "2026-09-08",
                "hora": "13:10:00",
                "monto": 250.0,
                "banco_emisor": "BBVA",
                "banco_receptor": "Banorte",
                "nombre_ordenante": null,
                "nombre_beneficiario": "Jesus M.",
                "cuenta_beneficiaria": "•6546",
                "cuenta_beneficiaria_es_parcial": true,
                "cuenta_beneficiaria_is_masked": true,
                "cuenta_beneficiaria_visible_last": "6546",
                "concepto": "Pago de producto",
                "confianza": 0.9,
                "confianza_por_campo": {
                    "banco_emisor": 0.8,
                    "banco_receptor": 1,
                    "cuenta_beneficiaria": 0.8,
                    "monto": 1,
                    "clave_rastreo": 1,
                    "fecha": 1
                }
            },
            "ocr_confidence": 0.9,
            "normalized_data": {
                "tipo_comprobante": "spei",
                "clave_rastreo": "MBAN01002609080051771699",
                "referencia_numerica": "0509260",
                "fecha": "2026-09-08",
                "hora": "13:10:00",
                "monto": 250.0,
                "emisor_code": "40012",
                "emisor_name": "BBVA MEXICO",
                "receptor_code": "40072",
                "receptor_name": "BANORTE",
                "cuenta_beneficiaria": "072580012706676546",
                "cuenta_beneficiaria_type": "clabe",
                "nombre_beneficiario": "Jesus M.",
                "concepto": "Pago de producto",
                "confianza": 0.9
            },
            "banxico_result": {
                "operationDate": "2026-09-08",
                "processingTime": "13:10:57",
                "speiKey": "40072",
                "trackingKey": "MBAN01002609080051771699",
                "certificateNumber": "00001000000710905384",
                "senderBank": "BBVA MEXICO",
                "senderName": "JORGE A.",
                "senderAccountType": "40",
                "senderAccount": "012180••••••••4195",
                "senderRfc": "XAXX010101000",
                "receiverBank": "BANORTE",
                "beneficiaryName": "JESUS M.",
                "beneficiaryAccountType": "40",
                "beneficiaryAccount": "072580012706676546",
                "beneficiaryRfc": "XAXX010101000",
                "amount": 250.0,
                "iva": 0.0,
                "paymentConcept": "Pago de producto"
            },
            "retry_state": {
                "enabled": false,
                "max_retries": null,
                "interval_seconds": null,
                "outcomes": null,
                "attempts_completed": 0,
                "next_attempt_at": null,
                "resolved_at": null,
                "exhausted_at": null,
                "cancelled_at": null,
                "terminal_state": null
            }
        },
        "links": {
            "self": "/v1/validations/c3d4e5f6-a7b8-4012-8def-123456789012",
            "cep_xml": "/v1/validations/c3d4e5f6-a7b8-4012-8def-123456789012/cep?format=xml",
            "cep_pdf": "/v1/validations/c3d4e5f6-a7b8-4012-8def-123456789012/cep?format=pdf"
        }
    },
    "meta": {
        "version": "1.118.1",
        "api_version": "v1",
        "request_id": "e6f7a8b9c0d1",
        "datetime": {
            "timezone": "UTC",
            "format": "ISO 8601"
        }
    }
}

Security

No bank credentials required.

Your CLABE, amount and tracking key can be used to locate the CEP at Banco de México, but they do not provide access to your bank account.

There is no need to provide passwords, PINs or banking tokens.

Learn about our security

How it works

Three steps, no hassle.

Upload an image

Or enter the payment details manually.

Validation at Banxico

We check the payment's validity in the banking system.

You get the receipt (CEP)

If the payment was credited, you get the official receipt. If not, we tell you right away.

Swipe01 / 03

Two ways

Use it your way.

From the web/app

Nothing to install — upload your payments and manage your finances and operations from one place.

Open the dashboard

Via API

POST /v1/validate
→ 200 OK
{ "status": "valid" }

A stable, documented REST API — Validate each payment or do it in batches, manage beneficiaries, webhooks, usage and reports.

Read the documentation

Reliable results

From the national banking system.

The Electronic Payment Receipt (CEP) is issued by the Bank of Mexico and certifies a SPEI transfer settled correctly.

Source: Bank of Mexico (Banxico).
Official document in PDF / XML.
Amounts, dates, account numbers, names, and tax ID numbers.

Validation in the banking system in 10 seconds.

Capabilities

A complete product, at your scale.

SPEI validation

Upload a photo of the receipt or type the details. Your call.

Multiple accounts and sellers

Register multiple accounts that receive payments. Review their finances and validations.

Bulk upload

Upload hundreds of payments in a CSV, an XLSX or a batch of images, and validate them at once.

Webhooks and async mode

Fire events in your system when a payment is validated; validate payments in the background.

Card payments

Card subscription with automatic renewal. Your payment receipts stay in the dashboard.

Dashboard, reports and alerts

Detailed records, exports and real-time notifications.

Pricing

$0/ month

Start free.

A free plan with access to the full system; pay when you need more validations.

See plans

Plans in MXN and USD.

Up next

The same certainty, applied to your sector.

Veriko verifies SPEI transfers with Banxico. Here's how that looks in each operation.

Solutions

Also: Product

Questions

Frequently asked questions.

Where does the validation come from?

From the Bank of Mexico (Banxico): we query the Electronic Payment Receipt (CEP) directly in the national banking system.

Do I need a contract with Banxico?

No. We validate in the CEP like any official lookup; you sign nothing with Banxico.

What if Banxico doesn't respond?

If there's any disruption, you can turn on "Retries" for your validations so the work finishes once Banxico is stable again. Service status is public and you can check it whenever you need.

What happens to my receipts and data?

Every validation and its receipt stay in your history. The data is yours and you decide what happens to it.

Does it work for CLABE and card?

Yes. The payment account can be a CLABE, card or phone number; we resolve the bank automatically.

Confirm the payment cleared.