Customer CLABE Management

⚠️

IMPORTANT

To follow the steps below, it is essential to have the corresponding Authorization Token. For more information, please refer to the following documentation page: Authorization Token

Create Customer CLABE Payment Method

Register a new 18-digit interbank CLABE for a specific customer as a payment method.

Endpoint

• POST https://ecartpay.com/api/customers/{customerId}/payment-methods
• POST https://sandbox.ecartpay.com/api/customers/{customerId}/payment-methods

Headers

• Authorization: token

Path Parameters

• customerId: The id associated to the customer.

Request Payload

RFC Format Requirements

• Persona física (individual): 4 letters + 6 digits + 3 alphanumeric = 13 characters
• Persona moral (company): 3 letters + 6 digits + 3 alphanumeric = 12 characters
• Pattern: /^[A-ZÑ&]{3,4}\d{6}[A-Z0-9]{3}$/

Validation Rules

Examples

Request

curl --location 'https://sandbox.ecartpay.com/api/customers/6944a4946afaf625504595e3/payment-methods' \
--header 'Authorization: eyJhbGciOiJIUzUxMiIsInR5cCI6IkpXVCJ9...' \
--header 'Content-Type: application/json' \
--data '{
    "number": "012555555555555555",
    "name": "Juan Perez",
    "method": "clabe",
    "validation": {
        "rfc": "PERJ950714DL2"
    },
    "alias": "Personal Savings"
}'

Response

{
    "_id": "6944a5366afaf625504595ea",
    "account_id": "68a4c3150b28a9584305a2a6",
    "customer_id": "6944a4946afaf625504595e3",
    "number": "012555555555555555",
    "name": "Juan Perez",
    "method": "clabe",
    "bank": "012",
    "bank_name": "BBVA México",
    "alias": "Personal Savings",
    "verified": false,
    "direct_debit_enabled": false,
    "validation": {
        "rfc": "PERJ950714DL2",
        "status": "pending"
    },
    "created_at": "2026-03-20T10:00:00.000Z",
    "updated_at": "2026-03-20T10:00:00.000Z"
}

Retrieve Customer CLABE Payment Methods

Fetch all CLABE payment methods registered for a customer.

Endpoint

• GET https://ecartpay.com/api/customers/{customerId}/payment-methods
• GET https://sandbox.ecartpay.com/api/customers/{customerId}/payment-methods

Headers

• Authorization: token

Path Parameters

• customerId: The id associated to the customer.

Response Key Features

Examples

Request

curl --location 'https://sandbox.ecartpay.com/api/customers/6944a4946afaf625504595e3/payment-methods' \
--header 'Authorization: eyJhbGciOiJIUzUxMiIsInR5cCI6IkpXVCJ9...'

Response

[
    {
        "_id": "6944a5366afaf625504595ea",
        "account_id": "68a4c3150b28a9584305a2a6",
        "customer_id": "6944a4946afaf625504595e3",
        "number": "012555555555555555",
        "name": "Juan Perez",
        "method": "clabe",
        "bank": "012",
        "bank_name": "BBVA México",
        "alias": "Personal Savings",
        "verified": true,
        "direct_debit_enabled": true,
        "validation": {
            "rfc": "PERJ950714DL2",
            "status": "approved",
            "_id": "6944a5376afaf625504595eb"
        },
        "created_at": "2026-03-20T10:00:00.000Z",
        "updated_at": "2026-03-20T10:30:00.000Z"
    }
]

Trigger CLABE Validation

Manually trigger CLABE validation via STP/CEP. This initiates a micro-transfer to validate the CLABE and verify the RFC matches bank records.

Endpoint

• PATCH https://ecartpay.com/api/payment-methods/validate
• PATCH https://sandbox.ecartpay.com/api/payment-methods/validate

Headers

• Authorization: token

Request Payload

Examples

Request

curl --location --request PATCH 'https://sandbox.ecartpay.com/api/payment-methods/validate' \
--header 'Authorization: eyJhbGciOiJIUzUxMiIsInR5cCI6IkpXVCJ9...' \
--header 'Content-Type: application/json' \
--data '{
    "payment_method_id": "6944a5366afaf625504595ea",
    "rfc": "PERJ950714DL2"
}'

Response

{
    "message": "Validation initiated",
    "validation_id": "6944a5376afaf625504595eb",
    "status": "pending"
}

Delete Customer CLABE Payment Method

Remove a CLABE payment method from a customer.

Endpoint

• DELETE https://ecartpay.com/api/customers/{customerId}/payment-methods/{paymentMethodId}
• DELETE https://sandbox.ecartpay.com/api/customers/{customerId}/payment-methods/{paymentMethodId}

Headers

• Authorization: token

Path Parameters

• customerId: The id associated to the customer
• paymentMethodId: The id of the payment method to delete

Note: Before deletion, any withdrawal references are migrated to prevent orphaned records.

Bank Codes Catalog (Mexico)

When registering a CLABE or activating a Direct Debit, the CLABE must belong to a participating banking institution. The bank code is automatically extracted from the first 3 digits of the 18-digit CLABE. Below is a list of the supported banks for Direct Debit processing:

Bank not found? If you need to process a CLABE from an institution that does not appear in this list, please contact our technical support team to verify the code's compatibility. CLABE from non-participating banks will be rejected with error: "The CLABE belongs to a bank (code XXX) not available for direct debit"