Virtual SPEI

How to use Virtual SPEI to create a virtual account and receive payins by bank transfer in Mexico.

Create Virtual Account

https://gateway-test.luxtak.com/virtual-account/spei/create

This endpoint allows you to create a virtual SPEI account (CLABE) for a customer. Once created, the customer can transfer any amount to the returned account_number at any time to complete a payin; the account stays active and can be reused for multiple payments. Each buyer_id is bound to a unique virtual account.

Parameters

Parameter	Type	Description
Content-Type*	string	application/json; chartset=UTF-8
Authorization*	string	Basic Base($app_id:$security_key)

Body

Parameter	Type	Description
app_id*	string	created app's id at dashboard - Max. 32 chars -
timestamp*	string	yyyy-MM-dd HH:mm:ss - Max. 19 chars -
notify_url*	string	Where luxtak will send notification to
customer.identify.type	string	RFC or CURP
customer.identify.number	string	RFC: 13 chars, e.g. MAMB780915969 CURP: 18 chars
customer.buyer_id*	string	merchant user's id
customer.name	string	customer's full name
customer.email	string	customer's email

Responses


200	create successfully

{
    "code": "10000",
    "msg": "Success",
    "account_id": "DLN**LWG",
    "account_number": "72***69",
    "buyer_id": "0123",
    "provider": "TRANSFER DIRECT",
    "status": "ACTIVE",
    "beneficiary_name": "PULABE20 SA DE CV",
    "notify_url": "https://your-notify-url.com"
}


400	account pool run out

{
    "code": "40002",
    "msg": "Business Failed",
    "sub_code": "account-pool-run-out",
    "sub_msg": "account pool run out"
}

Tips

User payment tips

account_number is the CLABE the customer should transfer to; beneficiary_name is the name that will show as the receiver on the customer's bank app.
The account is reusable: it stays ACTIVE and can receive multiple transfers over time, unlike a one-time payin reference.
A notify_url callback will be sent by luxtak for each transfer received into the account.

Example

curl --location --request POST 'https://gateway-test.luxtak.com/virtual-account/spei/create' \
--header 'Authorization: Basic MTYyNTgyOTIxNDUzMTY2Mzg6UGFnc21pbGVfc2tfZDUwMWQ1ZGNkNTI5OGQ5N2MwNmUzYjI4YjA2OWZjZmY3NDU5ZjY2NzNiMjFjMTFlYTY3NDM5MDgzOTZkOTYxNQ==' \
--header 'Content-Type: application/json' \
--data-raw '{
    "app_id": "162************38",
    "timestamp": "2025-03-20 11:11:11",
    "notify_url": "https://your-notify-url.com",
    "customer": {
        "identify": {
            "type": "RFC",
            "number": "MAMB780915969"
        },
        "buyer_id": "buyer_0101_0001",
        "name": "Test User Name",
        "email": "test@luxtak.com"
    }
}'

Tips

Note: 162********38 is luxtak's test app id for sandbox, and MTYyNTgyOTIxNDUzMTY2Mzg6UGFnc21pbGVfc2tfZDUwMWQ1ZGNkNTI5OGQ5N2MwNmUzYjI4YjA2OWZjZmY3NDU5ZjY2NzNiMjFjMTFlYTY3NDM5MDgzOTZkOTYxNQ== is authorization token associated with the test app id.

Warning

Please use your own app_id and generate your own authorization token when testing.