Banks payments
The purpouse of this guide is to explain how to generate references for bank payments step by step. With them, your customers will be able to pay transactions through a CIE Bancomer agreement number, or sending a payment through SPEI for other banks.
How a bank payment is accepted
Steps:
- The customer confirms the sale in your website, selecting Bank transfer as a payment method
- From your server, an Openpay charge is requested and a payment reference is returned.
- With the information returned by Openpay, payment instructions are given to the customer.
- The customer makes the payment through their bank website.
- Openpay receives and validates the payment.
- Openpay sends a notification to your server once the payment is complete.
In this guide only steps 2 and 3 will be covered. To read more about step 6, refer to our guide about notifications
Create a charge (Step 2)
In order to receive a payment through a bank you need to create a charge indicating the type
of bank_account
on the method
field as shown in the following example:
When the charge is created, a transaction object will be returned.
Response:
With this information you can create a deposit slip to your customer to make a wire transfer via SPEI.
For more information see the transactions reference
Creating a deposit slip (Step 3)
It’s very important that you generate a payment receipt with the following information, so that your customer can make the transfer successfully:
- Company name
- Your company name
- Payment due date
- The date representing the last day the payment will be valid.
- Amount Due
- Exact value of the
amount
field.
- Exact value of the
- Payment instructions
- Instructions for the customer to complete the payment through their bank, both for Bancomer and for other banks. See the following section for details.
Payment instructions for Bancomer
- The customer must log into their online account in Bancomer, and in the top menu "Pagar", select "De servicios".
- Enter the CIE agreement number
- Fill the required fields with the following information:
- Reference
- Exact amount to pay
- Payment description
Payment instructions for other banks
The customer may need to register the deposit bank account with the following information:
- Name of the recipient bank
- Account's CLABE number
- Name of the recipient company
In the transfers or payments to third parties section, provide the rest of the information:
- Exact amount to pay
- In the description, type the 20-digit reference number
- In the reference number, type the 7-digit agreement number.
Openpay generic payment slip
Openpay offers the possibility of retrieving a generic payment slip with the necessary information so your customer can complete their bank transfer successfully. To retrieve it, you need to create an URL with the following structure:
Sandbox:
{DASHBOARD_PATH}
= https://sandbox-dashboard.openpay.mxProduction:
{DASHBOARD_PATH}
= https://dashboard.openpay.mx
{MERCHANT_ID}
= Your Merchant ID
{TRANSACTION_ID}
= Value of the id
field in the transaction object returned by Openpay
For example:
https://sandbox-dashboard.openpay.mx/spei-pdf/mzdtln0bmtms6o3kck8f/t6utz9dywve6zipnppys
Note: The receipt will only be available if the transaction is pending.
Once the customer has made the payment or the transaction has been canceled the receipt will no longer be displayed. * Implement Notifications to know the status of payments in real time