# SPEI Offline

### What is SPEI Offline?

The **SPEI Offline** feature offers a streamlined deposit process for your customers in Mexico. It allows them to make payments by directly transferring funds to a previously used unique CLABE account, completely bypassing the standard checkout flow.

When a customer makes a transfer, our system is instantly notified. We then analyze the transaction details to create a formal deposit record, which is sent to you for approval or rejection. This provides a faster, more convenient payment experience for repeat customers.

### How It Works

1. A customer transfers money to their unique CLABE account number.
2. We receive a notification of the incoming transfer.
3. We send a `POST` request to a webhook URL that you provide, containing all the transaction details.
4. Your system receives the request and returns a response to either **approve** or **reject** the deposit.

### Getting started

{% stepper %}
{% step %}

#### Contact your account manager

To enable this feature, please reach out to your designated Account Manager or Technical Account Manager.
{% endstep %}

{% step %}

#### Provide a webhook URL

You must provide us with a secure URL endpoint that can accept `POST` requests from our system. This URL will be used to notify you of every new SPEI Offline transaction.

When we detect a new deposit, we will send a `POST` request to your URL with the following JSON body:

```json
{
  "deposit_id": 123456789,
  "payer_account_number": "123456789123456789",
  "country": "MX",
  "document": "84932568207",
  "full_name": "John Doe",
  "date_of_birth": "19871027",
  "address": "Ruta 13, Mexico",
  "email": "jon.doe@example.com",
  "amount": 200,
  "currency": "MXN",
  "payment_method": "SEOF"
}

```

<table><thead><tr><th width="223.3359375">Field</th><th width="102.53125">Type</th><th>Description</th></tr></thead><tbody><tr><td><code>deposit_id</code></td><td>Integer</td><td>Our unique identifier for the payment deposit.</td></tr><tr><td><code>payer_account_number</code></td><td>String</td><td>The CLABE of the customer who made the payment.</td></tr><tr><td><code>country</code></td><td>String</td><td>The country of the transaction. Always "MX".</td></tr><tr><td><code>document</code></td><td>String</td><td>The identification document of the payer.</td></tr><tr><td><code>full_name</code></td><td>String</td><td>The full name of the payer.</td></tr><tr><td><code>date_of_birth</code></td><td>String</td><td>The payer's date of birth in <code>YYYYMMDD</code> format.</td></tr><tr><td><code>address</code></td><td>String</td><td>The address of the payer.</td></tr><tr><td><code>email</code></td><td>String</td><td>The email address of the payer.</td></tr><tr><td><code>amount</code></td><td>Number</td><td>The transaction amount.</td></tr><tr><td><code>currency</code></td><td>String</td><td>The currency of the payment. Always "MXN".</td></tr><tr><td><code>payment_method</code></td><td>String</td><td>The payment method used. Always "SEOF" for SPEI Offline.</td></tr></tbody></table>

{% endstep %}

{% step %}

#### Handle deposit notifications

Your webhook URL must be configured to handle our requests and send back a response indicating your decision.

**Approving or rejecting a deposit**

Your system's response determines the status of the payment:

* **To Approve:** Return an <mark style="color:$success;">**HTTP**</mark><mark style="color:$success;">**&#x20;**</mark><mark style="color:$success;">**`200`**</mark> status code.
* **To Reject:** Return an <mark style="color:$danger;">**HTTP**</mark><mark style="color:$danger;">**&#x20;**</mark><mark style="color:$danger;">**`400`**</mark> status code.

{% hint style="danger" %}
*Any other HTTP status code will be treated as a rejection.*
{% endhint %}

{% endstep %}

{% step %}
***(Optional)*****&#x20;Overriding default information**

By default, we generate a random **`invoice_id`** and use your account's default notification URL for these deposits. However, you can override these values by including them in the body of your `200` (Approve) response.

If you wish to provide your own identifiers, your response body should look like this:

```json
{
   "invoice_id" : "YOUR_CUSTOM_INVOICE_ID",
   "notification_url" : "https://merchant.com/notifications/deposit/YOUR_ID"
}
```

If this body is returned, we will use the `invoice_id` and `notification_url` you provide instead of our defaults.
{% endstep %}
{% endstepper %}


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.pandablue.com/guides/deposits/countries-specialization/spei-offline.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.