SPEI
Charge via SPEI transfer: generate the reference, show it to the customer, and wait for confirmation.
SPEI (Sistema de Pagos Electrónicos Interbancarios) is Mexico's real-time bank transfer system, ideal for higher-value transactions where the customer prefers paying from their bank.
When to use SPEI
- Higher-value transactions (B2B payments).
- Customers who prefer bank transfers over cards.
- Transactions requiring immediate processing during business hours.
- Reducing card processing fees for large amounts.
Step 1: create the request
SPEI doesn't require additional customer data beyond the basics. The API generates the payment instructions.
{
"operation_type": "payment",
"amount": 500.00,
"currency": "MXN",
"customer": { "name": "Carlos Eduardo López", "email": "carlos.lopez@empresa.mx" },
"payment_method": { "type": "SPEI" },
"client_reference": "ORD-001"
}Step 2: handle the response
SPEI payments always start in pending because they require the customer to complete the transfer.
The response includes redirect information with the CLABE:
{
"id": "550e8400-e29b-41d4-a716-446655440000",
"operation_type": "payment",
"status": "pending",
"amount": 500.00,
"currency": "MXN",
"next_action": {
"redirect_to_url": {
"url": "https://stage-payflow.tonder.io/spei?clabe=710969000000629935&...",
"return_url": "https://tonder.io?tndr_payment_id=63772",
"verify_transaction_status_url": "/transactions/21cbe500-b320-4e0d-9186-9fb63c3d9617/"
}
}
}Show the customer the CLABE and reference so they can complete the transfer. Confirm the result with a webhook or by polling the status.
New SPEI merchants (MX) should use Frictionless SPEI, which automatically processes mismatched amounts and direct transfers. To give each user a permanent CLABE of their own, see Assign a CLABE per user.
This page covers SPEI deposits. SPEI also supports withdrawals (to a bank account or debit card) via Withdrawals via API Direct.
Limits
SPEI has a minimum of $1 MXN per transaction. See the full table in Limits.
In addition, your business can configure a custom minimum amount for SPEI (above the default minimum). Request it from your Tonder integration manager.
If a customer attempts to pay an amount below the configured minimum, Tonder issues an automatic refund for the amount received and the transaction does not complete.