Transactions

Create a money out transaction

Changed on Sep 26, 2026

Initiate an outbound transfer. If the destination instrument belongs to a Finco Pay (Monato) account, the system automatically routes the transaction as an internal book-to-book transfer; no SPEI, near-real-time settlement. Routing is handled transparently; no changes to the request body are required. Money Out can also be used for Penny Validation when the transfer amount is 0.01 MXN and the validation flow is enabled for the client. In that case, the transaction can include CEP validation metadata in metadata.dataCep; see the Penny Validation guide for the flow-specific contract. This endpoint supports Idempotency via the Idempotency-Key header (TTL: 24h). Reuse the same key with the exact same body for safe retries. See the Idempotency guide for details.

post/v1/transactions/money_out

Request

Base URL
https://apicore.stg.finch.lat
Auth
HTTP bearer
TypeScript
https://skmtc.dev/monato/apis/fincore-api/docs/v1/transactions/money_out/post.ts
A function with typed inputs. Its response is checked against the schema.

Headers

Idempotency-Keystring

Example:66c0b04f-97d6-592d-8396-199819064afa

Optional deterministic UUID v5 used for safe retries. See Idempotency for key generation, TTL, and conflict behavior.

Request body

client_idstring uuid required

Client UUID that owns the transaction.

source_instrument_idstring uuid required

Source instrument UUID used to fund the transaction.

destination_instrument_idstring uuid required

Destination instrument UUID that will receive the funds.

Example request

{
  "client_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
  "source_instrument_id": "709448c3-7cbf-454d-a87e-feb23801269a",
  "destination_instrument_id": "d3fdb481-2058-46c8-807d-4eaf866ae1ec",
  "transaction_request": {
    "external_reference": "1234567",
    "description": "Supplier payment",
    "amount": "5000.00",
    "currency": "MXN",
    "client_reference": "INV-4567",
    "latitude": "19.432608",
    "longitude": "-99.133209"
  }
}

Response

Successfully created transaction

idstring uuid required

Transaction UUID.

bankIdstring uuid required

Bank UUID used by the source account.

clientIdstring uuid required

Client UUID that owns the transaction.

externalReferencestring required

Client-provided numeric reference.

trackingIdstring required

Tracking key assigned to the transaction for reconciliation.

descriptionstring required

Payment concept sent with the transaction.

amountstring required

Decimal amount as a string with exactly two decimal places.

currency'MXN' required

category'CREDIT_TRANS' | 'DEBIT_TRANS' | 'INTER_TRANS' | 'OTHER' required

originalTransactionIdstring uuid

Present on refund-related transactions.

refundTransactionIdstring uuid

Present on original transactions after refund.

clientReferencestring

Optional client reference returned when it was supplied in the request.

Example response

{
  "id": "16811ee8-1ef9-4dd4-8d84-9c2df89cf302",
  "bankId": "9d84b03a-28d1-4898-a69c-38824239e2b1",
  "clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
  "externalReference": "1234567",
  "trackingId": "20250306FINCHVLIKQ5SKUM",
  "description": "Supplier payment",
  "amount": "5000.00",
  "currency": "MXN",
  "category": "DEBIT_TRANS",
  "subCategory": "SPEI_DEBIT",
  "transactionStatus": "INITIALIZED",
  "audit": {
    "createdAt": "2025-03-06 11:57:55.408000-06:00",
    "updatedAt": "2025-03-06 11:57:55.408000-06:00"
  },
  "sourceInstrument": {
    "id": "709448c3-7cbf-454d-a87e-feb23801269a",
    "bankId": "9d84b03a-28d1-4898-a69c-38824239e2b1",
    "clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
    "ownerId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
    "instrumentAlias": "Centralizing account",
    "instrumentStatus": "ACTIVE",
    "instrumentType": "RECEIVER",
    "instrumentDetail": {
      "cardNumber": "5579072268574100",
      "holderName": "John Smith"
    },
    "rfc": "XAXX010101000",
    "customerId": "bb1e8fde-e68e-48e9-a483-d32153c752c2"
  },
  "destinationInstrument": {
    "id": "709448c3-7cbf-454d-a87e-feb23801269a",
    "bankId": "9d84b03a-28d1-4898-a69c-38824239e2b1",
    "clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
    "ownerId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
    "instrumentAlias": "Centralizing account",
    "instrumentStatus": "ACTIVE",
    "instrumentType": "RECEIVER",
    "instrumentDetail": {
      "cardNumber": "5579072268574100",
      "holderName": "John Smith"
    },
    "rfc": "XAXX010101000",
    "customerId": "bb1e8fde-e68e-48e9-a483-d32153c752c2"
  },
  "originalTransactionId": "a1392ef1-23f5-4e15-90cd-5d3d8d24d839",
  "refundTransactionId": "957459ce-d4e3-40b5-b759-373e844ba1e8",
  "metadata": {
    "dataCep": {
      "cepUrl": "https://www.banxico.org.mx/cep/...",
      "validationId": "f4ebe9af-50ac-42e5-97c7-3164d2693d6e",
      "beneficiaryName": "John Smith",
      "beneficiaryRfc": "XAXX010101000",
      "status": "PENDING",
      "createdAt": "2025-08-15T22:42:39.327Z"
    },
    "dataReturn": {
      "trackingId": "20250510FINCHFL2SFGP9KT",
      "originalTrackingId": "20250509FINCHARNJK5NHQG",
      "reason": "CANCELLED_ACCOUNT",
      "reasonDescription": "Cuenta cancelada"
    }
  },
  "clientReference": "INV-4567"
}

Changes

Sep 26, 2026e22ef66945df Revision changes
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  api tag Transactions added
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Operation history