Channel: 41

Provider: Monato

Payment Method: Bank Transfer (SPEI)

Available Currencies

Name	Code	Country
Mexican peso	MXN	Mexico

Request example

curl --location 'http://uat-payments.alps.cl/justpay/check-out/SecurePayment.php' \
--form 'public_key="{YOUR_PUBLIC_KEY}"' \
--form 'time="2024-07-17 16:33:11"' \
--form 'amount="1250.50"' \
--form 'currency="MXN"' \
--form 'trans_id="1"' \
--form 'time_expired="120"' \
--form 'url_ok="https://bit.ly/3S4I7iR"' \
--form 'url_error="https://bit.ly/3S5aOwc"' \
--form 'channel="41"' \
--form 'signature="{YOUR_SIGNATURE}"' \
--form 'shopper_information="{\"name_shopper\":\"Juan\",\"last_name_Shopper\":\"Pérez López\",\"type_doc_identi\":\"RFC\",\"Num_doc_identi\":\"MAL180222MS6\",\"email\":\"[email protected]\",\"country_code\":\"+52\",\"Phone\":\"9876543210\",\"country\":\"MEX\"}"'

<?php

$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => 'http://uat-payments.alps.cl/justpay/check-out/SecurePayment.php',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS => array('public_key' => '{YOUR_PUBLIC_KEY}','time' => '2024-07-17 16:33:11','amount' => '1250.50','currency' => 'MXN','trans_id' => '1','time_expired' => '120','url_ok' => 'https://bit.ly/3S4I7iR','url_error' => 'https://bit.ly/3S5aOwc','channel' => '41','signature' => '{YOUR_SIGNATURE}','shopper_information' => '{"name_shopper":"Juan","last_name_Shopper":"Pérez López","type_doc_identi":"RFC","Num_doc_identi":"MAL180222MS6","email":"[email protected]","country_code":"+52","Phone":"9876543210","country":"MEX"}'),
));

$response = curl_exec($curl);

curl_close($curl);
echo $response;

import requests

url = "http://uat-payments.alps.cl/justpay/check-out/SecurePayment.php"

payload = {'public_key': '{YOUR_PUBLIC_KEY}',
'time': '2024-07-17 16:33:11',
'amount': '1250.50',
'currency': 'MXN',
'trans_id': '1',
'time_expired': '120',
'url_ok': 'https://bit.ly/3S4I7iR',
'url_error': 'https://bit.ly/3S5aOwc',
'channel': '41',
'signature': '{YOUR_SIGNATURE}',
'shopper_information': '{"name_shopper":"Juan","last_name_Shopper":"Pérez López","type_doc_identi":"RFC","Num_doc_identi":"MAL180222MS6","email":"[email protected]","country_code":"+52","Phone":"9876543210","country":"MEX"}'}
files=[

]
headers = {}

response = requests.request("POST", url, headers=headers, data=payload, files=files)

print(response.text)

var request = require('request');
var options = {
  'method': 'POST',
  'url': 'http://uat-payments.alps.cl/justpay/check-out/SecurePayment.php',
  'headers': {
  },
  formData: {
    'public_key': '{YOUR_PUBLIC_KEY}',
    'time': '2024-07-17 16:33:11',
    'amount': '1250.50',
    'currency': 'MXN',
    'trans_id': '1',
    'time_expired': '120',
    'url_ok': 'https://bit.ly/3S4I7iR',
    'url_error': 'https://bit.ly/3S5aOwc',
    'channel': '41',
    'signature': '{YOUR_SIGNATURE}',
    'shopper_information': '{"name_shopper":"Juan","last_name_Shopper":"Pérez López","type_doc_identi":"RFC","Num_doc_identi":"MAL180222MS6","email":"[email protected]","country_code":"+52","Phone":"9876543210","country":"MEX"}'
  }
};
request(options, function (error, response) {
  if (error) throw new Error(error);
  console.log(response.body);
});

If you prefer to build your own payment screen instead of redirecting, see Direct Integration.

Mandatory Data

Attribute	Mandatory	Data type	Description
`public_key`	`True`	String (255)	Public key, unique value that identifies the commerce
`time`	`True`	Datetime	Request data time
`channel`	`True`	Integer	Payment Channel. Use `41`
`amount`	`True`	Double	The amount of the transaction. Use 2 decimals. The shopper must transfer this exact amount, including cents
`currency`	`True`	String (3)	Transaction currency code. Use `MXN`
`trans_id`	`True`	String (255)	Transaction id
`time_expired`	`True`	String (255)	Time in minutes to expire the token. Value given in minutes. Minimum Suggested: 120 minutes, so the shopper has time to make the bank transfer
`url_ok`	`True`	String (255)	URL where shopper will be redirected from the payment page once the payment is confirmed (Must be Https)
`url_error`	`True`	String (255)	URL where shopper will be redirected from the payment page if the payment is cancelled, expires or is rejected (Must be Https)
`signature`	`True`	String (255)	Signature hash256: Review signature calculation
`shopper_information`	`True`	JSON String	JSON String Data: Review JSON index & format

Optional Data

Attribute	Mandatory	Data type	Description
`direct_integration`	`False`	Boolean	Set to `1` to receive the CLABE data as JSON instead of a checkout URL. See Direct Integration

shopper_information JSON format

📘
Field shopper_information must be send in string format (JSON encode).

{
  "name_shopper":"Juan",
  "last_name_Shopper":"Pérez López",
  "type_doc_identi":"RFC",
  "Num_doc_identi":"MAL180222MS6",
  "email":"[email protected]",
  "country_code":"+52",
  "Phone":"9876543210",
  "country":"MEX"
}

The shopper_information field is a column corresponding to a json with the next keys:

Parameter	Mandatory	Data Type	Description
`name_shopper`	`True`	String (255)	Shopper's name
`last_name_Shopper`	`True`	String (255)	Shopper's last name
`type_doc_identi`	`True`	String (255)	Identification document [`RFC`]. See Document ID types
`Num_doc_identi`	`True`	String (255)	Shopper's RFC: 13 characters for individuals, 12 for companies. Send it without spaces, hyphens or other separators. It must be the RFC of the holder of the account that makes the transfer
`email`	`True`	String (255)	Shopper's e-mail
`country_code`	`True`	String (10)	Country's phone code (Ex. +52)
`Phone`	`True`	String (20)	Shopper's phone number
`country`	`True`	String (3)	Country ISO code [`MEX`]

Payment flow

In this channel the shopper does not pay inside an online banking session. The payment page (or your own payment screen, if you use Direct Integration) shows the bank details, and the shopper makes an SPEI transfer from their own bank.

Redirect the shopper to the checkout URL returned by the request. If you used Direct Integration, skip this step: you already have the CLABE data from the response and render your own payment screen with it.
The payment page shows the CLABE, the receiving bank (when available), the account holder (your business name) and the amount, each with a copy button. It also shows the remaining time to pay and step-by-step SPEI instructions.
The shopper makes an SPEI transfer for the exact amount from their bank's app or online banking.
When the transfer is received and matched to the operation, the operation is confirmed and you receive the success payment notification.
On the standard integration, the payment page checks the operation status periodically and redirects the shopper to url_ok when the payment is confirmed, or to url_error if the operation is cancelled, expires or is rejected. On Direct Integration there is no checkout page: track the result through the payment notification.

The shopper can also cancel from the payment page. This cancels the operation and redirects the shopper to url_error.

Note: The redirect to url_ok is not a payment confirmation, because the shopper may close the page before it happens. Use the payment notification as the only source of truth.

Payment reconciliation

The CLABE shown to the shopper belongs to your account and is the same for all of your operations. Each incoming transfer is matched to an operation using:

the shopper's RFC, which must match the Num_doc_identi sent in shopper_information, and
the exact amount of the operation, including cents.

🚧
Transfers that do not match are not applied

Send the RFC without spaces, hyphens or any other separator (for example MAL180222MS6). An RFC with separators is accepted when the operation is created, but the incoming transfer will not be matched to it.

A transfer made from an account whose holder has a different RFC, or for a different amount, is not applied to the operation.

If the same shopper has more than one pending operation for the same amount, the transfer is applied to the oldest one. Avoid creating duplicate pending operations for the same shopper and amount.

Once an operation is cancelled or has expired, a later transfer is not applied to it. Set time_expired so the shopper has enough time to make the transfer.

This reconciliation rule is the same regardless of whether the CLABE was obtained through the standard integration or through Direct Integration.

Direct Integration

Send direct_integration=1 to receive the CLABE data as JSON instead of a checkout URL, so you can render your own payment screen instead of redirecting the shopper to ALPS's hosted page. In this mode:

No checkout URL is returned: you are responsible for showing the CLABE, the receiving bank and the account holder to the shopper, and for tracking the result through the payment notification.
The response does not include amount or currency: you already have both, since you set them when creating the operation.

curl --location 'http://uat-payments.alps.cl/justpay/check-out/SecurePayment.php' \
--form 'public_key="{YOUR_PUBLIC_KEY}"' \
--form 'time="2024-07-17 16:33:11"' \
--form 'amount="1250.50"' \
--form 'currency="MXN"' \
--form 'trans_id="1"' \
--form 'time_expired="120"' \
--form 'url_ok="https://bit.ly/3S4I7iR"' \
--form 'url_error="https://bit.ly/3S5aOwc"' \
--form 'channel="41"' \
--form 'direct_integration="1"' \
--form 'signature="{YOUR_SIGNATURE}"' \
--form 'shopper_information="{\"name_shopper\":\"Juan\",\"last_name_Shopper\":\"Pérez López\",\"type_doc_identi\":\"RFC\",\"Num_doc_identi\":\"MAL180222MS6\",\"email\":\"[email protected]\",\"country_code\":\"+52\",\"Phone\":\"9876543210\",\"country\":\"MEX\"}"'

{
  "operation_id": 123456,
  "clabe_number": "646180111812345678",
  "bank_name": "STP",
  "business_name": "Your Business Name",
  "expired_at": "2026-08-04T18:48:11Z"
}

Field	Description
`operation_id`	Our internal identifier for the operation
`clabe_number`	CLABE the shopper must transfer to
`bank_name`	Name of the receiving bank, when it could be resolved
`business_name`	Account holder name to display together with the CLABE
`expired_at`	UTC timestamp after which a transfer is no longer applied to the operation

If the CLABE cannot be generated or retrieved, the request fails and the operation is rejected; create a new operation to retry.

Errors

This payment integration only sends notifications for successfully completed transactions. This means that error messages will not be generated for failed transactions. Transfers that cannot be matched to an operation do not generate notifications either.