This page lists every data requirement for MXN payments to Mexico: the beneficiary and originator identities, the beneficiary financial instrument, and the transaction itself.
The identity and financial instrument tables on this page list only the fields MX_SPEI requires, taken from the PII v3 schema. Identities and financial instruments accept further optional fields. For the complete set, see Payment identities and Financial instruments, or use the Payload Schema Utility.
Create the beneficiary identity before the financial instrument, then reference it when you create the payment. See Create and manage identities for the API workflow.
The required fields depend on whether the beneficiary is a business or an individual.
Applies to the B2B, B2B2B, C2B2B use cases. Submit a business identity.
| Field | Required | Type | Constraints |
|---|---|---|---|
businessName | Required | STRING | Business Legal Name. 1–140 characters. Must match ^(?![ .,'&\/()-])(?!.*([ .,'&\/()-])\1)[\p{L}\p{N} .,'&\/()-]+(?<![ .,'&\/-])?$. |
address.streetAddress | Required | ARRAY of STRING | Allows the street address of the business to be held. |
address.country | Required | STRING | Exactly 2 characters. Must match ^[A-Z]+$. |
address.city | Required | STRING | City. 1–140 characters. Must match ^(?![ .'-])(?!.*[ .'-]{2})[\p{L} .'-]+(?<![ .'-])$. |
address.stateOrProvince | Required | STRING | State, province, or county of the business address, as defined by postal services. 1–140 characters. Must match ^(?![ .'-])(?!.*[ .'-]{2})[\p{L}\p{N} .'-]+(?<![ .'-])$. |
address.postalCode | Required | STRING | Postal code for the business. 3–15 characters. Must match ^[\p{L}\p{N}][\p{L}\p{N} -]{1,15}[\p{L}\p{N}]$. |
Applies to the B2B2C, B2C, C2B2C use cases. Submit an individual identity.
| Field | Required | Type | Constraints |
|---|---|---|---|
firstName | Required | STRING | First name of the individual. 1–140 characters. Must match ^(?![ .'-])(?!.*([ .'-])\1)[\p{L} .'-]+(?<![ .'-])$. |
lastName | Required | STRING | Last name of the individual. 1–140 characters. Must match ^(?![ .'-])(?!.*([ .'-])\1)[\p{L} .'-]+(?<![ .'-])$. |
address.streetAddress | Required | ARRAY of STRING | Allows the street address of the individual to be held. |
address.country | Required | STRING | Exactly 2 characters. Must match ^[A-Z]+$. |
address.city | Required | STRING | City. 1–140 characters. Must match ^(?![ .'-])(?!.*[ .'-]{2})[\p{L} .'-]+(?<![ .'-])$. |
address.stateOrProvince | Required | STRING | State, province, or county of the individual's address, as defined by postal services. 1–140 characters. Must match ^(?![ .'-])(?!.*[ .'-]{2})[\p{L}\p{N} .'-]+(?<![ .'-])$. |
address.postalCode | Required | STRING | Postal code for the individual's address. 3–15 characters. Must match ^[\p{L}\p{N}][\p{L}\p{N} -]{1,15}[\p{L}\p{N}]$. |
Set financialInstrumentType: MX_SPEI and currency: MXN. Provide the following fields in the mxSpei payment rail object. See Create and manage financial instruments for the API workflow.
Routing is handled entirely by the 18-digit CLABE, which identifies the destination bank, branch, and account. No separate bank or branch code is required.
| Field | Required | Type | Constraints |
|---|---|---|---|
bankName | Required | STRING | The name of the identity's bank. 2–140 characters. Must match ^(?![ .,'&\/()-])(?!.*([ .,'&\/()-])\1)[\p{L}\p{N} .,'&\/()-]+(?<![ .,'&\/-])?$. |
clabe | Required | STRING | The identity's CLABE account identification code. Exactly 18 characters. Must match ^\d+$. |
Create the originator identity once and reuse it across payments.
The required fields depend on whether the originator is a business or an individual.
Applies to the B2B, B2B2B, B2B2C, B2C use cases. Submit a business identity.
| Field | Required | Type | Constraints |
|---|---|---|---|
businessName | Required | STRING | Business Legal Name. 1–140 characters. Must match ^(?![ .,'&\/()-])(?!.*([ .,'&\/()-])\1)[\p{L}\p{N} .,'&\/()-]+(?<![ .,'&\/-])?$. |
address.streetAddress | Required | ARRAY of STRING | Allows the street address of the business to be held. |
address.country | Required | STRING | Exactly 2 characters. Must match ^[A-Z]+$. |
address.city | Required | STRING | City. 1–140 characters. Must match ^(?![ .'-])(?!.*[ .'-]{2})[\p{L} .'-]+(?<![ .'-])$. |
address.stateOrProvince | Required | STRING | State, province, or county of the business address, as defined by postal services. 1–140 characters. Must match ^(?![ .'-])(?!.*[ .'-]{2})[\p{L}\p{N} .'-]+(?<![ .'-])$. |
address.postalCode | Required | STRING | Postal code for the business. 3–15 characters. Must match ^[\p{L}\p{N}][\p{L}\p{N} -]{1,15}[\p{L}\p{N}]$. |
Applies to the C2B2B, C2B2C use cases. Submit an individual identity.
| Field | Required | Type | Constraints |
|---|---|---|---|
firstName | Required | STRING | First name of the individual. 1–140 characters. Must match ^(?![ .'-])(?!.*([ .'-])\1)[\p{L} .'-]+(?<![ .'-])$. |
lastName | Required | STRING | Last name of the individual. 1–140 characters. Must match ^(?![ .'-])(?!.*([ .'-])\1)[\p{L} .'-]+(?<![ .'-])$. |
address.streetAddress | Required | ARRAY of STRING | Allows the street address of the individual to be held. |
address.country | Required | STRING | Exactly 2 characters. Must match ^[A-Z]+$. |
address.city | Required | STRING | City. 1–140 characters. Must match ^(?![ .'-])(?!.*[ .'-]{2})[\p{L} .'-]+(?<![ .'-])$. |
address.stateOrProvince | Required | STRING | State, province, or county of the individual's address, as defined by postal services. 1–140 characters. Must match ^(?![ .'-])(?!.*[ .'-]{2})[\p{L}\p{N} .'-]+(?<![ .'-])$. |
address.postalCode | Required | STRING | Postal code for the individual's address. 3–15 characters. Must match ^[\p{L}\p{N}][\p{L}\p{N} -]{1,15}[\p{L}\p{N}]$. |
The beneficiary and originator details come from the identities you create beforehand, and the bank details from the financial instrument. The only field you set on the payment itself for this corridor is below.
| Field | Description | Required | Type | Constraints |
|---|---|---|---|---|
paymentMemo | Payment memo | Optional | STRING | 1–140 characters. Letters, digits, and spaces only. Only the first 40 characters are delivered. See Memo constraints below. |
Only 40 characters of the memo are delivered to the beneficiary. You can send up to 140, and a memo longer than 40 characters is shortened to the first 40 before the payment is sent.
No error is returned when a memo is shortened, and the payment succeeds. The beneficiary sees only the first 40 characters on the SPEI record, so put the part the beneficiary needs for reconciliation, such as an invoice number, at the start of the memo.
Characters outside letters, digits, and spaces are rejected rather than removed, and the payment fails. Keep punctuation such as hyphens and slashes out of the memo.