Mexico SPEI

Optional Fields

Field	Description
first_name	First name
last_name	Last name
document_number	RFC (Registro Federal de Contibuyentes) or CURP (Clave Única de Registro de Población)

Expiry

Initiated transactions that are not completed, transition to an Expired state after 72 hours.

Payment Instructions

STEPS

Make the payment through your mobile banking app or online banking. You have a maximum period of 72 hours to complete your transaction. Some banks may require time to register a new account, so we recommend making the payment now. Note that the destination bank name may vary depending on the bank from which you are making the transfer.

Select the option to add a new account.

Select STP - Sistema de Transferencias y Pago as the receiving bank.

Enter the 18-digit CLABE we provided in the response of the Create Pay-In endpoint.

Wait for the bank to validate the account.

Enter the amount to be paid.

In the concept field, enter your order number.

Confirm the payment.

10.

You have 72 hours to complete your payment.

OAuth 2.0

Client Credentials

Add the parameter

Authorization

to Headers，whose value is to concatenate the Token after the Bearer.

Example:

Authorization: Bearer ********************

Token URL: https://api.paypaga.com/oauth2/token

curl --location 'https://api.paypaga.com/v2/transactions/pay-in' \ --header 'Content-Type: application/json' \ --data-raw '{ "amount": 1000, "country": "MX", "currency": "MXN", "payment_method": "spei", "merchant_order_reference": "ORDER-2026-0027", "merchant_transaction_reference": "TRX-2026-0027", "merchant_customer_id": "customer@email.com", "customer_ip": "120.29.48.92", "fields": { "first_name": "Juan", "last_name": "Pérez", "document_number": "12234514789" }, "return_urls": { "success_url": "https://merchant.com/payment-success", "failure_url": "https://merchant.com/payment-failure", "cancel_url": "https://merchant.com/payment-cancelled" } }'

{ "transaction_id": "20260209-0920-4e80-9bcf-49f6503dd1ca", "payment_method_reference": 129930, "expires_at": "2026-06-09T14:13:05.143073869Z", "instructions": { "amount": 1000, "bank_account": "646180554000010079", "beneficiary": "OYSTER_LOAN", "reference": "H59PUBPV" } }

Optional Fields

Expiry

Payment Instructions

Request

Responses

Mexico SPEI

Optional Fields#

Expiry#

Payment Instructions#

Request

Responses

Optional Fields

Expiry

Payment Instructions