MOmonato
Transactions

Start Penny Validation

Changed on

Sends a $0.01 MXN validation transfer to the destination instrument and starts the CEP lookup process. Register a CEP webhook before using this endpoint so you receive status updates. INITIALIZED in the API response should be treated like PENDING; webhook statuses are PENDING, DELAYED, COMPLETED, or FAILED.

post/v1/transactions/penny_validation

Request

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 validation transaction.

source_instrument_idstring uuid required

Source instrument UUID used to send the validation amount.

destination_instrument_idstring uuid required

Destination instrument UUID to validate.

descriptionstring

Optional concept for the validation transaction.

external_referencestring

Optional numeric reference with a maximum of 7 digits.

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",
  "description": "Account validation",
  "external_reference": "1234567"
}

Response

Penny Validation transaction created.

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
subCategory'OTHERS' | 'SPEI_CREDIT' | 'SPEI_DEBIT' | 'INT_DEBIT' | 'INT_CREDIT' | 'SPEI_REFUNDED' | 'SPEI_REFUNDED_CREDIT' | 'SPEI_REFUNDED_DEBIT' | 'INT_ADJ_CREDIT' | 'INT_ADJ_DEBIT' required
transactionStatus'INITIALIZED' | 'IN_PROGRESS' | 'LIQUIDATED' | 'CANCELLED' | 'REFUNDED' | 'REJECTED' | 'DECLINED' 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