v1

latestOpenAPI 3.1.02026-08-06173665.4 KB

Create a money out transaction

Initiate an outbound transfer. If the destination instrument belongs to a Finco Pay (Monato) account, the system automatically routes the transaction as an internal book-to-book transfer — no SPEI, near-real-time settlement. Routing is handled transparently; no changes to the request body are required. This endpoint supports Idempotency via the Idempotency-Key header (TTL: 24h). Reuse the same key with the exact same body for safe retries. See the Idempotency guide for details.

post/v1/transactions/money_out

Headers

Idempotency-Keystring

Client-generated deterministic UUID v5 derived from (client_id + method + body_hash) within an environment-specific namespace. When present, the first response (success or error) is cached for 24h; identical retries (same key + same body) return the same cached response. If the body changes with the same key, the server returns 409 Conflict.

Request body

client_idstring uuid

source_instrument_idstring uuid

destination_instrument_idstring uuid

Example request

{
  "client_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
  "source_instrument_id": "709448c3-7cbf-454d-a87e-feb23801269a",
  "destination_instrument_id": "d3fdb481-2058-46c8-807d-4eaf866ae1ec",
  "transaction_request": {
    "external_reference": "1234567",
    "description": "lorem ipsum dolor sit amet",
    "amount": "1.95",
    "currency": "MXN"
  }
}

Response

Successfully created transaction

idstring uuid

bankIdstring uuid

clientIdstring uuid

externalReferencestring

trackingIdstring

descriptionstring

amountstring

currencystring

categorystring

subCategorystring

Transaction sub-type based on the destination:

SPEI_DEBIT – external transfer to a non-Finco Pay bank account.
INT_DEBIT – internal transfer routed to a Finco Pay account.

transactionStatusstring

Example response

{
  "id": "16811ee8-1ef9-4dd4-8d84-9c2df89cf302",
  "bankId": "9d84b03a-28d1-4898-a69c-38824239e2b1",
  "clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
  "externalReference": "1234567",
  "trackingId": "20250306FINCHVLIKQ5SKUM",
  "description": "lorem ipsum dolor sit amet",
  "amount": "1.95",
  "currency": "MXN",
  "category": "DEBIT_TRANS",
  "subCategory": "SPEI_DEBIT",
  "transactionStatus": "INITIALIZED",
  "audit": {
    "createdAt": "2025-03-06 11:57:55.408000-06:00",
    "updatedAt": "2025-03-06 11:57:55.408000-06:00",
    "deletedAt": "None",
    "blockedAt": "None"
  }
}