The Interbank Electronic Payment System (SPEI) is the payment infrastructure of the Bank of Mexico that allows its participants—banks, brokerage firms, SOFIPOs, and other regulated financial entities—to send and receive payments among themselves, enabling them to provide their end clients with real-time electronic transfer services.
SPEI can be conceptualized as a central pipeline to which participants connect. Through this pipeline, participant accounts (e.g., banks) are debited and credited efficiently and securely with the Bank of Mexico to settle operations between participants, whether initiated on their own behalf or on behalf of their clients.
Any individual or legal entity that has a CLABE account (standardized bank code) associated with any SPEI Participant (Participants connected to the SPEI system, such as Banco Inbursa, OPM, etc.).
CLABE Account = 18 digits.
Debit card = 16 positions.
Cell number = 10 positions.
Making payments through SPEI, thereby saving on travel and the need to carry cash, is safe. This is due to regulations that require electronic systems to generate “tokens” that provide security codes, ensuring users can authorize their payments securely.
- Service integration through tokens (API key).
- Service integration through tokens (API key).
- Two-Factor Authentication.
- End-to-end validation of electronic signatures.
- Integration through the https protocol.
CLABE account = standardized banking key.
It is a unique and unrepeatable number assigned to each bank account, designed to provide greater certainty and security for transfers between banks. It ensures that debit orders are applied exclusively to the account specified by the user, whether as the source or destination.
It is a unique identifier within the OPM ecosystem, which has the same structure and definition as the operational CLABE account (standardized bank CLABE account). These virtual accounts are associated with a client or operational account within the MDO.
Currently, OPM clients are the ones who assign virtual accounts to each of their customers or internal users, according to their specific needs.
We offer our clients two types of accounts or products:
684-PPP-RRR-XXXXX-D
99,999 virtual accounts available per sub-account/segment
Example of a centralized CLABE account: 684-180-088-001-00000-8
684-PPP-RRR-XXXXXXXX-D
99,999,999 virtual accounts available for the product
Example of a centralized CLABE account: 684-180-088-00000000-8
Value 684 =SPEI participant prefix (684-OPM)
Value PPP =This is the value of the location/city, according to the catalog of available locations in the country
Value RRR =This represents the product or client integrated into the disbursement module
Value SSS =This represents the sub-account or cost center integrated into the registered product in the disbursement module
Value XXXXXXXX or XXXXX =This is a consecutive sequence that indicates the value of the virtual accounts
Value D =This is the verification digit
Transfer orders are completed in seconds from the moment the transaction is authorized by the customer (origin account) until it reaches its destination.
The average time is 1 to 2 seconds, after the transaction has been authorized by the customer.
-Via API (through Site-to-Site VPN).
-Via Front/Dashboard (accessible via the internet).
The timeline depends mostly on the client's availability and schedule; it typically takes around 10 to 15 days.
Yes, foreign currency transactions can be received, but currently OPM is only authorized to operate in the National Currency.
For our service, customer support hours are from 9:00 AM to 6:00 PM.
For technical issues, support is available 24/7.
It is a unique identifier for each day and each sending participant in the SPEI system. This key is another way to track a transaction in the SPEI system.
To check a SPEI, the following basic information is required:
1.- The date when the transaction was made.
2.- Tracking key/numerical reference.
3.- Bank of Origin.
4.- Destination Bank.
5.- Destination Account.
6.- Amount.
And check them at the "Consult your EPR" link from the Bank of Mexico, at https://www.banxico.org.mx/cep/
There is the EPR receipt, which stands for "Electronic Payment Receipt." It is issued and backed by the Bank of Mexico and can be used as definitive proof that the money was correctly credited to the destination account.