CEP Payment Proof API

Download and verify SPEI payment proofs (Comprobante Electrónico de Pago) from Banco de México.

An API key is required to use this API. Official Banxico CEP source.

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Features

✓ Download Payment Proofs

Download full SPEI payment proofs as XML with parsed transaction data including beneficiary, sender, amount, and tracking code.

✓ Quick Status Check

Verify payment status without downloading the full proof. Ideal for real-time payment confirmation.

✓ Institution Directory

List all financial institutions registered in the SPEI system for any given date.

✓ Parsed Transaction Data

Automatically parsed fields: beneficiary, sender, amount, date, tracking code, reference number, and institution details.

API Endpoints

1. Download Payment Proof

GET https://api.tlaloc.sh/mx/v1/cep?fecha={fecha}&tipo_criterio={tipo_criterio}&criterio={criterio}&emisor={emisor}&receptor={receptor}&cuenta={cuenta}&monto={monto}

Parameters

Parameter Type Required Description
fecha string Yes Transaction date (YYYY-MM-DD)
tipo_criterio string Yes Search criteria type (e.g. "T" for tracking code)
criterio string Yes Search value (tracking code or reference number)
emisor string Yes Sending institution code
receptor string Yes Receiving institution code
cuenta string Yes Beneficiary account number
monto string Yes Transaction amount

Example Request

curl -X GET "https://api.tlaloc.sh/mx/v1/cep?fecha=2025-01-15&tipo_criterio=T&criterio=MHETRE010115&emisor=40002&receptor=40012&cuenta=012180015025252000&monto=1500.00"

Example Response

{
  "found": true,
  "beneficiario": "JUAN PEREZ LOPEZ",
  "ordenante": "MARIA GARCIA HERNANDEZ",
  "monto": "1500.00",
  "fecha_operacion": "2025-01-15",
  "clave_rastreo": "MHETRE010115",
  "referencia_numerica": "1234567",
  "estado": "Liquidado",
  "institucion_emisora": "BANAMEX",
  "institucion_receptora": "BBVA MEXICO",
  "xml_content": "<?xml version='1.0'?>..."
}

2. Quick Payment Status Check

GET https://api.tlaloc.sh/mx/v1/cep_query?fecha={fecha}&tipo_criterio={tipo_criterio}&criterio={criterio}&emisor={emisor}&receptor={receptor}

Parameters

Parameter Type Required Description
fecha string Yes Transaction date (YYYY-MM-DD)
tipo_criterio string Yes Search criteria type
criterio string Yes Search value
emisor string Yes Sending institution code
receptor string Yes Receiving institution code

Example Response

{
  "found": true,
  "estado": "Liquidado",
  "detalle": {
    "Estado del pago en Banxico": "Liquidado",
    "Fecha de operación": "15/01/2025",
    "Clave de rastreo": "MHETRE010115"
  }
}

3. Financial Institutions

GET https://api.tlaloc.sh/mx/v1/cep/instituciones?fecha={fecha}

Parameters

Parameter Type Required Description
fecha string Yes Date to query institutions (YYYY-MM-DD)

Example Response

[
  {"codigo": "40002", "nombre": "BANAMEX"},
  {"codigo": "40012", "nombre": "BBVA MEXICO"},
  {"codigo": "40014", "nombre": "SANTANDER"}
]

Use Cases

Payment Reconciliation

Automatically verify and reconcile SPEI payments against your records.

Fraud Prevention

Validate payment proofs submitted by customers to detect forged receipts.

Accounting Automation

Extract structured transaction data from CEP proofs for automated bookkeeping.

Compliance

Maintain verifiable payment records with official Banxico documentation.

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Frequently Asked Questions

What is a CEP?

The electronic payment certificate (Comprobante Electrónico de Pago) issued by Banco de México for every settled SPEI transfer. It is the official document proving a payment happened, which account it left, which one it reached and for what amount.

What data do I need to look up a payment?

The operation date, the tracking key (or numeric reference), the sending and receiving bank codes, and — for the full download — the beneficiary's CLABE and the amount. GET /v1/cep/instituciones returns the bank code catalog.

What's the difference between /v1/cep and /v1/cep_query?

/v1/cep_query quickly confirms the payment status (does it exist? is it settled?). /v1/cep downloads the full certificate with every field parsed plus the official Banxico XML. Both cost $0.10 MXN.

Can I use it to reconcile payments automatically?

Yes — that's its main use case: confirming against Banxico every SPEI your customers report, without trusting screenshots. Read How to Validate SPEI Payments with the CEP, or combine it with AI to read receipt images: Validate Payment Receipts with AI.

Is the data official?

Yes. The lookup goes directly to Banco de México's CEP system and the downloaded XML is the official certificate, valid for bank dispute processes.

Related Guides

How to Validate SPEI Payments with the Electronic Payment Certificate

Validate Payment Receipts with Artificial Intelligence