Guides on SPEI transfers

Guides

• What the Banxico CEP is

  Where to download it, what it proves and how to read its fields.

• Signs of a fake transfer

  What to check on the receipt, and how to confirm it with the CEP.

• How to track a SPEI transfer

  What you need to verify it, and what to do if it doesn't arrive.

• Tracking key of a transfer

  What it is, what it's for, and where it appears depending on your bank.

• What SPEI is

  What it is, how it works, and how to confirm a transfer with the CEP.

• What DiMo is

  How to link your phone to your account and confirm a payment with the CEP.

• What the CLABE is

  The 18 digits, field by field, and which bank each one belongs to.

• What CoDi is

  How to pay and get paid with QR or NFC, and why it also has a CEP.

• Tracking key by bank

  Here's what it looks like at BBVA, Santander, Banco Azteca and Mercado Pago.

• What MI-SPEI is

  Banxico's lookup module, and why the CEP doesn't need an account.

• SPEI hours and transfer time

  Why a transfer can show a different date than the day it was made.

• Verify a SPEI payment by API

  Polling or getting a webhook, what to do if it doesn't arrive, and how to avoid duplicates.

• SPEI return codes

  The CEP's four official states, what your bank's reason message means, and how to confirm it.

• Validate SPEI payments from a bot

  What a bot can do alone, and how to connect it to a source that actually confirms the payment.

• From receipt to verdict

  What a validation's response needs to bring to actually be useful.

• Which bank a number belongs to

  The first three digits of a CLABE, or a card's BIN, identify the bank.

Comparisons

• Comparison of Banxico CEP APIs

  Veriko next to apicep.cloud, tlaloc.sh and Prometeo, across twelve criteria.

Reference

• Glossary

  Receipt, CEP, tracking key, CLABE, SPEI and verdict: what each term means.

• Bank catalogue

  The five-digit codes Banxico assigns to each SPEI institution, and the aliases they appear under on the screenshot you are sent.