MXN virtual accounts (Mexico)

Enabled on request. SPEI accounts are switched on per account. Ask Pagoramp to turn them on.


Country	Mexico
Payment rail	SPEI (CLABE)
Account types	dedicated
Customers	Individuals and businesses
When it is ready	The customer verifies first. The account is ready once they are approved.

1. Check availability

Ask what MXN needs for your account. The answer lists the required fields per customer type and account type.

curl "https://pay-api.pagoramp.com/api/v1/virtual-accounts/availability?currency=MXN" \
  -H "x-api-key: YOUR_API_KEY"

2. Create the customer

Required for an individual: firstname, lastname, email. See Virtual account requirements for every combination.

curl -X POST https://pay-api.pagoramp.com/api/v1/customers \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"firstname":"Ada","lastname":"Okafor","email":"[email protected]"}'

The customer is created with kycStatus incomplete or pending. Anything missing for MXN can be added later with PATCH /customers/{uuid} before you request the account.

3. Request the account

curl -X POST https://pay-api.pagoramp.com/api/v1/virtual-accounts \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"customerId":"224ca5c5-f2a6-419b-bf36-73997434d945","currency":"MXN","type":"dedicated","reference":"va_1001","redirectUrl":"https://app.example.com/verification-complete"}'

You must have a webhook secret set up first, or the request returns 400 with webhook_secret_required. The response depends on the currency. For MXN, expect requires_action then active: requires_action: The customer has to verify first. Send them nextStep.url.

{
  "status": "success",
  "message": "Virtual account created successfully",
  "data": {
    "uuid": "9a1c1c52-7b8e-4a52-9f0e-3e6b0a8d6c11",
    "reference": "va_1001",
    "status": "requires_action",
    "currency": "MXN",
    "type": "dedicated",
    "bankDetails": null,
    "customer": {
      "uuid": "224ca5c5-f2a6-419b-bf36-73997434d945",
      "email": "[email protected]"
    },
    "expectedAmount": null,
    "expiresAt": null,
    "nextStep": {
      "type": "verification_link",
      "url": "https://verify.example.com/abc"
    },
    "statusReason": null,
    "metadata": {
      "orderId": "12345"
    },
    "createdAt": "2026-10-16T09:31:00.000Z"
  }
}

active: Ready. Show the bank details to your payer.

{
  "status": "success",
  "message": "Virtual account created successfully",
  "data": {
    "uuid": "9a1c1c52-7b8e-4a52-9f0e-3e6b0a8d6c11",
    "reference": "va_1001",
    "status": "active",
    "currency": "MXN",
    "type": "dedicated",
    "bankDetails": {
      "rail": "spei",
      "accountName": "ACME PAY / ADA OKAFOR",
      "accountNumber": "646284259102681222",
      "clabe": "646284259102681222",
      "extra": {
        "paymentRails": [
          "spei"
        ]
      }
    },
    "customer": {
      "uuid": "224ca5c5-f2a6-419b-bf36-73997434d945",
      "email": "[email protected]"
    },
    "expectedAmount": null,
    "expiresAt": null,
    "nextStep": null,
    "statusReason": null,
    "metadata": {
      "orderId": "12345"
    },
    "createdAt": "2026-10-16T09:31:00.000Z"
  }
}

If the request is rejected straight away you get 422 with the reason in errors[0].reason and no account is created. If it is rejected later you receive virtual_account.failed with a reason. See Webhooks.

4. Show the details to your payer

Show these fields from bankDetails:

Label	Field
Beneficiary	`accountName`
CLABE	`clabe`

How your payer sends the money:

Open their Mexican banking app and choose a SPEI transfer.
Enter the CLABE as the destination account.
SPEI runs around the clock and settles in seconds.

5. Receive the payment

When the payment arrives you receive virtual_account.payment.received. Amounts are decimal strings in MXN; destinationAmount is in USD, after any fees.

{
  "event": "virtual_account.payment.received",
  "data": {
    "transaction": {
      "reference": "va-17912345678901234",
      "status": "Success",
      "sourceAmount": "1000.00",
      "sourceCurrency": "MXN",
      "destinationAmount": "54.21",
      "destinationCurrency": "USD",
      "fees": {
        "sourceTotalFee": "0.00"
      }
    },
    "virtualAccount": {
      "uuid": "9a1c1c52-7b8e-4a52-9f0e-3e6b0a8d6c11",
      "reference": "va_1001",
      "currency": "MXN",
      "type": "dedicated"
    },
    "customer": {
      "uuid": "224ca5c5-f2a6-419b-bf36-73997434d945",
      "email": "[email protected]",
      "externalReference": null
    },
    "sender": {
      "name": "ADA OKAFOR",
      "bank": "BBVA Mexico",
      "accountNumber": "******6789"
    },
    "occurredAt": "2026-10-16T10:02:00.000Z"
  }
}

Verify the signature before you trust it, and use data.transaction.reference to ignore repeats. See Webhooks.

Things to handle

The CLABE is also returned as accountNumber.
Payments are converted to USD when they arrive, at the rate in force at that moment. destinationAmount is what you are settled.
A payment can be held for review. You receive virtual_account.payment.manual_review with a review.reason, then received or rejected after a decision.
GET /virtual-accounts/{uuid} returns the current status at any time, and POST /virtual-accounts/{uuid}/deactivate stops the account accepting payments.

Get Started

Customers

Multi-currency Virtual Accounts

Webhooks

1. Check availability

2. Create the customer

3. Request the account

4. Show the details to your payer

5. Receive the payment

Things to handle

​1. Check availability

​2. Create the customer

​3. Request the account

​4. Show the details to your payer

​5. Receive the payment

​Things to handle

1. Check availability

2. Create the customer

3. Request the account

4. Show the details to your payer

5. Receive the payment

Things to handle