> For the complete documentation index, see [llms.txt](https://docs.supefina.net/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.supefina.net/huan-ying-shi-yong-supefina-de-api-wen-dang/dai-fu/mo-xi-ge/spei.md).

# SPEI

### 请求地址

<table data-full-width="true"><thead><tr><th width="114">环境名称</th><th width="619">URL</th></tr></thead><tbody><tr><td>SandBox</td><td><mark style="color:blue;"><code>POST</code></mark><br>https://api.supefina.tech/api/supefina/transactions/payout</td></tr><tr><td><mark style="color:red;">正式环境</mark></td><td><mark style="color:red;"><code>POST</code></mark><br><mark style="color:red;">https://api.supefina.net/api/supefina/transactions/payout</mark></td></tr></tbody></table>

### 请求方式

#### 请求头

<table data-full-width="true"><thead><tr><th>Key</th><th>Value</th></tr></thead><tbody><tr><td><code>Content-Type</code></td><td><code>application/json</code></td></tr></tbody></table>

#### 请求体

<table data-full-width="true"><thead><tr><th width="198">变量名</th><th width="100">类型</th><th width="93">必填</th><th width="487">描述</th></tr></thead><tbody><tr><td>account</td><td>String</td><td>是</td><td><p>收款方账户号</p><p>CLABE号是18位</p><p>银行卡号大多数是16位</p></td></tr><tr><td>bankId</td><td>String</td><td>是</td><td><p>收款人银行编号</p><p>具体参照：<a href="/pages/8YRD2SP9Grp9K4fNoIZS#mo-xi-ge-yin-hang-bian-ma">下载＞墨西哥银行列表</a></p></td></tr><tr><td>callbackUrl</td><td>String</td><td>是</td><td><p>回调地址</p><p>详见<a href="/pages/mfMq4AmXGJtMyIPchGsF">通知回调说明</a></p></td></tr><tr><td>countryId</td><td>String</td><td>是</td><td>国家编号<br>参照：<a href="/pages/17IKBEvxR4cpZue8BRdD#afwzp">字典表-国家编号</a><br>墨西哥：<code>MEX</code></td></tr><tr><td>currency</td><td>String</td><td>是</td><td>币种<br>参照：<a href="/pages/17IKBEvxR4cpZue8BRdD#huo-bi-currency">字典表-货币</a><br>墨西哥比索：<code>MXN</code></td></tr><tr><td>customerName</td><td>String</td><td>是</td><td><p>收款人姓名</p><p>名字长度不能超过40个字符，首尾不得包含空格，但姓名之间可以有空格</p></td></tr><tr><td>description</td><td>String</td><td>是</td><td>订单描述<br>长度不能超过200个字符，不能包含特殊符号</td></tr><tr><td>merId</td><td>String</td><td>是</td><td>商户ID<br>商户ID获取路径：Supefina商户后台-商户管理-基本信息-商户ID</td></tr><tr><td>merOrderNo</td><td>String</td><td>是</td><td>商户订单号</td></tr><tr><td>nonceStr</td><td>String</td><td>是</td><td>随机字符串<br>长度不能超过32字符</td></tr><tr><td>orderAmount</td><td>String</td><td>是</td><td>订单金额</td></tr><tr><td>payProduct</td><td>String</td><td>是</td><td><p><a href="/pages/17IKBEvxR4cpZue8BRdD#mfocd">支付类型</a><br>Clabe号：<code>15</code></p><p>银行卡号：<code>16</code></p><p>当收款方账户号属于CLABE的时候，示例为<code>15</code></p><p>当bankId是90646-STP、90706-ARCUS FI、90684-TRANSFER、90659-ASP INTEGRA OPC时，payProduct只支持<code>15</code></p><p></p></td></tr><tr><td>sign</td><td>String</td><td>是</td><td>签名<br><a href="/pages/DR0Ieg3d88mBdWrXD882">具体参照：签名算法</a></td></tr></tbody></table>

#### 请求示例<br>

{% code fullWidth="true" %}

```json
{
	"account": "646150996402711110",
	"bankId": "40138",
	"callbackUrl": "https://test.com",
	"countryId": "MEX",
	"currency": "MXN",
	"customerName": "Test Name",
	"description": "1",
	"merId": "8302921196770572",
	"merOrderNo": "2025072420155193221792292",
	"nonceStr": "80932b4fe9e74164ba533d7384986986",
	"orderAmount": "100.00",
	"payProduct": "15",
	"sign": "2245B9ED46F8BC88E691D9D8AF8FB598"// 大写
}
```

{% endcode %}

签名组装字符串

account=646150996402711110\&bankId=40138\&callbackUrl=<https://test.com\\&countryId=MEX\\&currency=MXN\\&customerName=Test> Name\&description=1\&merId=8302921196770572\&merOrderNo=2025072420155193221792292\&nonceStr=80932b4fe9e74164ba533d7384986986\&orderAmount=100.00\&payProduct=15\&key=cf5fe06851e84cd7ab227dbbf16f4bf1

&#x20;

&#x20;

&#x20;

### 响应参数

<table data-full-width="true"><thead><tr><th width="198">变量名</th><th width="133">类型</th><th width="470">描述</th></tr></thead><tbody><tr><td>code</td><td>String</td><td>响应编码<br>具体参照：<a href="/pages/j56ENY9y4TEhx8ssOv8a">响应状态码</a></td></tr><tr><td>data</td><td>Object</td><td>响应数据</td></tr><tr><td>amount</td><td>BigDecimal</td><td>订单金额</td></tr><tr><td>fee</td><td>BigDecimal</td><td>预收手续费</td></tr><tr><td>merCode</td><td>String</td><td>商户ID</td></tr><tr><td>merOrderNo</td><td>String</td><td>商户订单号</td></tr><tr><td>supefinaOrderNo</td><td>String</td><td>supefina订单号</td></tr><tr><td>transactionStatus</td><td>String</td><td>下单状态<br>该笔订单的的发起状态是否成功，与订单真正的交易状态无关。<br><code>00</code>：下单成功<br><code>04</code>：下单失败</td></tr><tr><td>msg</td><td>String</td><td>响应信息</td></tr></tbody></table>

#### 响应示例

{% code fullWidth="true" %}

```json
{
	"code": "200",
	"msg": "success ",
	"data": {
		"merCode": "8302921196770572",
		"merOrderNo": "2025072420155193221792292",
		"supefinaOrderNo": "2025072403020005f7bbf5509a843",
		"amount": 100.0,
		"fee": 1.0,
		"transactionStatus": "00"
	}
}
```

{% endcode %}

### 回调通知

<mark style="color:red;">**注意：**</mark>SPEI代付存在两次回调的情况：代付订单收到成功回调事件后，仍然可能接收到代付状态改变的回调事件，交易状态由成功变为失败。

原因是：付款银行会进行两次账户检查：首次通过后，渠道回调成功并将款项交给发卡行，发卡行进行第二次校验。如果收款账户错误、过期或被锁定，发卡行将不付款并回调**失败**。

针对这种先成功后失败的情况，建议商户以最后一次收到的回调状态为准。

由于银行处理时间的不确定性，Supefina系统无法预测是否会有第二次回调及具体时间。历史数据显示，两次回调间隔通常为20秒至数小时，个别订单可能超过2天。

**提交方式：**`POST`

<table data-full-width="true"><thead><tr><th width="198">变量名</th><th width="142">类型</th><th width="470">描述</th></tr></thead><tbody><tr><td>amount</td><td>String</td><td>订单金额</td></tr><tr><td>countryId</td><td>String</td><td>国家编号<br>参照：字典表-国家编号<br>墨西哥：MEX</td></tr><tr><td>customerName</td><td>String</td><td>收款人姓名</td></tr><tr><td>fee</td><td>String</td><td>预收手续费</td></tr><tr><td>identifier</td><td>String</td><td>付款参考<br>Clabe</td></tr><tr><td>merId</td><td>String</td><td>商户ID</td></tr><tr><td>merOrderId</td><td>String</td><td>商户订单号</td></tr><tr><td>msg</td><td>String</td><td>消息</td></tr><tr><td>nonceStr</td><td>String</td><td>随机字符串<br>长度不能超过32位</td></tr><tr><td>realityAmount</td><td>String</td><td>实收金额</td></tr><tr><td>realityFee</td><td>String</td><td>实收手续费</td></tr><tr><td>reference</td><td>String</td><td>付款参考</td></tr><tr><td>sign</td><td>String</td><td>签名</td></tr><tr><td>status</td><td>String</td><td>交易状态<br>具体参照：<a href="/pages/17IKBEvxR4cpZue8BRdD#kxzkj">字典表——交易订单状态</a></td></tr><tr><td>successTime</td><td>String</td><td>交易成功时间</td></tr><tr><td>supefinaOrderId</td><td>String</td><td>supefina订单号</td></tr><tr><td>transactionType</td><td>String</td><td>交易类型<br><code>01</code>：代收<br><code>02</code>：代付</td></tr></tbody></table>

#### 回调通知示例

{% code fullWidth="true" %}

```json
{
	"amount": "100.00",
	"countryId": "MEX",
	"customerName": "Test Name",
	"fee": "1.00",
	"identifier": "717640140822529316",
	"merId": "8302921196770572",
	"merOrderId": "2025072420155193221792292",
	"msg": "交易成功",
	"nonceStr": "366a0040-5776-43fc-ae2c-220723",
	"realityAmount": "100.00",
	"realityFee": "1.00",
	"reference": "PTJ19GS5HJZL36LWZX1Z9K1U7OQ0US1",
	"sign": "187617174CFC0A50E26CD03B884FAE69",// 大写
	"status": "01",
	"successTime": 1753359354692,
	"supefinaOrderId": "2025072403020005f7bbf5509a843",
	"transactionType": "02"
}
```

{% endcode %}

签名组装字符串

account=646150996402711110\&bankId=40138\&callbackUrl=<https://test.com\\&countryId=MEX\\&currency=MXN\\&customerName=Test> Name\&description=1\&merId=8302921196770572\&merOrderNo=2025072420155193221792292\&nonceStr=80932b4fe9e74164ba533d7384986986\&orderAmount=100.00\&payProduct=15\&key=de53650e1a6b494087d8c472516cc1cb

**回调通知响应**

商户成功收到回调后需同步返回指定字符串：SUCCESS 不返回或返回其他内容默认通知失败\
如：

{% code fullWidth="true" %}

```java
public String test(){
	return "SUCCESS";
}
```

{% endcode %}

### 墨西哥代付银行列表

<table><thead><tr><th width="109">bankId</th><th width="330">bankName</th></tr></thead><tbody><tr><td>40138</td><td>ABC CAPITAL</td></tr><tr><td>40133</td><td>ACTINVER</td></tr><tr><td>40062</td><td>AFIRME</td></tr><tr><td>90661</td><td>Klar</td></tr><tr><td>90706</td><td>ARCUS FI</td></tr><tr><td>90659</td><td>ASP INTEGRA OPC</td></tr><tr><td>40128</td><td>AUTOFIN</td></tr><tr><td>40127</td><td>AZTECA</td></tr><tr><td>37166</td><td>BaBien</td></tr><tr><td>40030</td><td>BAJIO</td></tr><tr><td>40002</td><td>BANAMEX</td></tr><tr><td>40154</td><td>BANCO COVALTO</td></tr><tr><td>37006</td><td>BANCOMEXT</td></tr><tr><td>40137</td><td>BANCOPPEL</td></tr><tr><td>40160</td><td>BANCO S3</td></tr><tr><td>40152</td><td>BANCREA</td></tr><tr><td>37019</td><td>BANJERCITO</td></tr><tr><td>40147</td><td>BANKAOOL</td></tr><tr><td>40106</td><td>BANK OF AMERICA</td></tr><tr><td>40159</td><td>BANK OF CHINA</td></tr><tr><td>37009</td><td>BANOBRAS</td></tr><tr><td>40072</td><td>BANORTE</td></tr><tr><td>40058</td><td>BANREGIO</td></tr><tr><td>40060</td><td>BANSI</td></tr><tr><td>40129</td><td>BARCLAYS</td></tr><tr><td>40145</td><td>BBASE</td></tr><tr><td>40012</td><td>BBVA MEXICO</td></tr><tr><td>40112</td><td>BMONEX</td></tr><tr><td>90677</td><td>CAJA POP MEXICA</td></tr><tr><td>90683</td><td>CAJA TELEFONIST</td></tr><tr><td>90630</td><td>CB INTERCAM</td></tr><tr><td>90631</td><td>CI BOLSA</td></tr><tr><td>90901</td><td>CLS</td></tr><tr><td>40130</td><td>COMPARTAMOS</td></tr><tr><td>40140</td><td>CONSUBANCO</td></tr><tr><td>90652</td><td>CREDICAPITAL</td></tr><tr><td>90688</td><td>CREDICLUB</td></tr><tr><td>90680</td><td>CRISTOBAL COLON</td></tr><tr><td>90723</td><td>Cuenca</td></tr><tr><td>40151</td><td>DONDE</td></tr><tr><td>90616</td><td>FINAMEX</td></tr><tr><td>90634</td><td>FINCOMUN</td></tr><tr><td>90685</td><td>FONDO (FIRA)</td></tr><tr><td>90601</td><td>GBM</td></tr><tr><td>37168</td><td>HIPOTECARIA FED</td></tr><tr><td>40021</td><td>HSBC</td></tr><tr><td>40155</td><td>ICBC</td></tr><tr><td>40036</td><td>INBURSA</td></tr><tr><td>90902</td><td>INDEVAL</td></tr><tr><td>40150</td><td>INMOBILIARIO</td></tr><tr><td>40136</td><td>INTERCAM BANCO</td></tr><tr><td>40059</td><td>INVEX</td></tr><tr><td>40110</td><td>JP MORGAN</td></tr><tr><td>90653</td><td>KUSPIT</td></tr><tr><td>90670</td><td>LIBERTAD</td></tr><tr><td>90602</td><td>MASARI</td></tr><tr><td>90722</td><td>Mercado Pago W</td></tr><tr><td>40042</td><td>MIFEL</td></tr><tr><td>40158</td><td>MIZUHO BANK</td></tr><tr><td>90600</td><td>MONEXCB</td></tr><tr><td>40108</td><td>MUFG</td></tr><tr><td>40132</td><td>MULTIVA BANCO</td></tr><tr><td>37135</td><td>NAFIN</td></tr><tr><td>90638</td><td>NU MEXICO</td></tr><tr><td>90710</td><td>NVIO</td></tr><tr><td>40148</td><td>PAGATODO</td></tr><tr><td>90620</td><td>PROFUTURO</td></tr><tr><td>40156</td><td>SABADELL</td></tr><tr><td>40014</td><td>SANTANDER</td></tr><tr><td>40044</td><td>SCOTIABANK</td></tr><tr><td>40157</td><td>SHINHAN</td></tr><tr><td>90646</td><td>STP</td></tr><tr><td>90703</td><td>TESORED</td></tr><tr><td>90684</td><td>TRANSFER</td></tr><tr><td>90656</td><td>UNAGRA</td></tr><tr><td>90617</td><td>VALMEX</td></tr><tr><td>90605</td><td>VALUE</td></tr><tr><td>90608</td><td>VECTOR</td></tr><tr><td>40113</td><td>VE POR MAS</td></tr><tr><td>40141</td><td>VOLKSWAGEN</td></tr><tr><td>40124</td><td>CITI MEXICO</td></tr><tr><td>90699</td><td>FONDEADORA</td></tr><tr><td>90732</td><td>PEIBO</td></tr><tr><td>90728</td><td>SPIN BY OXXO</td></tr><tr><td>2001</td><td>BANXICO</td></tr><tr><td>90903</td><td>CoDi Valida</td></tr><tr><td>90734</td><td>FINCO PAY</td></tr><tr><td>40167</td><td>HEY BANCO</td></tr><tr><td>90721</td><td>ALBO</td></tr><tr><td>90729</td><td>Dep y Pag Dig</td></tr></tbody></table>


---

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