Regional Payout Guide

Each country Yativo supports has specific requirements for payment details, account number formats, and payout method IDs. This guide covers the exact fields needed for each corridor so you can build region-specific flows without trial and error. The general flow is the same for all regions:

GET /payment-methods/payout/countries       → confirm country is supported
GET /payment-methods/payout?country={iso3}  → get payment_method_id for the rail
GET /beneficiary/form/show/{id}             → get required account_details fields
POST /beneficiaries                         → create beneficiary
POST /beneficiaries/payment-methods         → save bank details
POST /sendmoney/quote                       → lock rate
POST /sendmoney                             → execute

Mexico — SPEI via CLABE

Payment rail: SPEI (Sistema de Pagos Electrónicos Interbancarios)
Key identifier: CLABE — an 18-digit standardised bank code unique to each Mexican bank account
Settlement time: Same-day, typically within minutes

Required account details

Field	Format	Example
`clabe`	18 digits	`"012345678901234567"`

The first 3 digits of a CLABE identify the bank, the next 3 the city, and the last is a check digit. Validating the check digit before submission reduces failure rates.

CLABE check digit validation (JavaScript)

function validateClabe(clabe) {
  if (!/^\d{18}$/.test(clabe)) return false;
  const weights = [3, 7, 1, 3, 7, 1, 3, 7, 1, 3, 7, 1, 3, 7, 1, 3, 7];
  const sum = weights.reduce((acc, w, i) => acc + (parseInt(clabe[i]) * w) % 10, 0);
  const checkDigit = (10 - (sum % 10)) % 10;
  return checkDigit === parseInt(clabe[17]);
}

Generate a CLABE for a customer

If your platform needs to issue SPEI receive addresses (not just send to them), Yativo can generate valid CLABEs for your customers:

GET https://api.yativo.com/api/v1/clabe/generate

curl -X GET 'https://api.yativo.com/api/v1/clabe/generate' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN'

Full payout example

# 1. Get payment method ID for Mexico
curl -X GET 'https://api.yativo.com/api/v1/payment-methods/payout?country=MEX' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
# → returns id: 30 (SPEI)

# 2. Save beneficiary with CLABE
curl -X POST 'https://api.yativo.com/api/v1/beneficiaries/payment-methods' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: pm-mexico-001' \
  -d '{
    "beneficiary_id": "YOUR_BENEFICIARY_ID",
    "payment_method_id": 30,
    "account_details": {
      "clabe": "012345678901234567"
    }
  }'

# 3. Get a quote (USD → MXN)
curl -X POST 'https://api.yativo.com/api/v1/sendmoney/quote' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: quote-mx-001' \
  -d '{ "from_currency": "USD", "to_currency": "MXN", "amount": 500, "beneficiary_payment_method_id": "PM_ID" }'

# 4. Execute
curl -X POST 'https://api.yativo.com/api/v1/sendmoney' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: send-mx-001' \
  -d '{ "quote_id": "QUOTE_ID" }'

Virtual accounts (receive MXN via SPEI)

To receive SPEI payments for a customer, create a virtual account with currency "MXNBASE":

curl -X POST 'https://api.yativo.com/api/v1/business/virtual-account/create' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: va-mx-001' \
  -d '{ "customer_id": "CUSTOMER_ID", "currency": "MXNBASE" }'

The returned account_number is a CLABE your customers can send SPEI transfers to.

Brazil — PIX

Payment rail: PIX (instant payment system by Banco Central do Brasil)
Key identifier: PIX key — a unique alias for a bank account
Settlement time: 24/7, under 10 seconds

PIX key types

Type	Field value	Example
CPF (tax ID)	`cpf`	`"12345678901"` (11 digits)
CNPJ (company tax ID)	`cnpj`	`"12345678000190"` (14 digits)
Phone number	`phone`	`"+5511999999999"` (E.164)
Email	`email`	`"customer@example.com"`
EVP (random key)	`evp`	`"e2ee3bd7-a7d7-4a9e-b8a1-abcdef123456"`

Required account details

Field	Type	Description
`pix_key`	string	The recipient’s PIX key value
`pix_key_type`	string	One of: `"cpf"`, `"cnpj"`, `"phone"`, `"email"`, `"evp"`

Example — send to a CPF PIX key

# Save beneficiary payment method for Brazil PIX
curl -X POST 'https://api.yativo.com/api/v1/beneficiaries/payment-methods' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: pm-brazil-001' \
  -d '{
    "beneficiary_id": "YOUR_BENEFICIARY_ID",
    "payment_method_id": 40,
    "account_details": {
      "pix_key": "12345678901",
      "pix_key_type": "cpf"
    }
  }'

Virtual accounts (receive BRL via PIX)

curl -X POST 'https://api.yativo.com/api/v1/business/virtual-account/create' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: va-br-001' \
  -d '{ "customer_id": "CUSTOMER_ID", "currency": "BRL" }'

The returned account_number is a PIX key (EVP type) that any Brazilian bank account can pay to.

For virtual accounts, Yativo issues a KYC-linked endorsement (brazil). Customers without this endorsement cannot receive PIX deposits. Check endorsements in the KYC status response.

Nigeria — NUBAN bank transfer

Payment rail: Nigerian NUBAN (Nigeria Uniform Bank Account Number)
Settlement time: Same-day to next business day

KYC requirements

Nigerian customers have mandatory additional KYC fields when submitting identity verification:

Field	Requirement	Format
`bvn`	Required when `nationality: "NG"`	Exactly 11 digits
`nin`	Required when `nationality: "NG"`	Exactly 11 digits

Without both bvn and nin, KYC submission will fail validation for Nigerian nationals. See the Individual KYC reference.

Required account details for payouts

Field	Format	Example
`account_number`	10-digit NUBAN	`"0123456789"`
`bank_code`	3-digit CBN bank code	`"044"` (Access Bank), `"058"` (GTBank)
`account_name`	String	`"Jane Doe"`

Common Nigerian bank codes

Bank	Code
Access Bank	`044`
GTBank (Guaranty Trust)	`058`
Zenith Bank	`057`
First Bank	`011`
UBA	`033`
Fidelity Bank	`070`
Sterling Bank	`232`
Kuda Bank	`090267`

Example

curl -X POST 'https://api.yativo.com/api/v1/beneficiaries/payment-methods' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: pm-ng-001' \
  -d '{
    "beneficiary_id": "YOUR_BENEFICIARY_ID",
    "payment_method_id": 50,
    "account_details": {
      "account_number": "0123456789",
      "bank_code": "044",
      "account_name": "Jane Doe"
    }
  }'

United States — ACH / Wire

Payment rail: ACH (Automated Clearing House) or domestic wire
Settlement time: ACH 1–3 business days; Wire same-day

Required account details

Field	Format	Example
`account_number`	Bank account number	`"123456789"`
`routing_number`	9-digit ABA routing number	`"021000021"`
`account_type`	`"checking"` or `"savings"`	`"checking"`
`account_name`	Name on account	`"Alex Smith"`

Virtual accounts (receive USD)

curl -X POST 'https://api.yativo.com/api/v1/business/virtual-account/create' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: va-us-001' \
  -d '{ "customer_id": "CUSTOMER_ID", "currency": "USDBASE" }'

Europe — SEPA

Payment rail: SEPA Credit Transfer (SCT) or SEPA Instant (SCT Inst)
Settlement time: Standard SCT next business day; SCT Inst within 10 seconds

Required account details

Field	Format	Example
`iban`	IBAN (up to 34 chars)	`"DE89370400440532013000"`
`bic`	BIC/SWIFT code	`"COBADEFFXXX"`
`account_name`	Account holder name	`"Maria Schmidt"`

Virtual accounts (receive EUR via SEPA)

# Standard EUR SEPA
curl -X POST 'https://api.yativo.com/api/v1/business/virtual-account/create' \
  -d '{ "customer_id": "CUSTOMER_ID", "currency": "EURBASE" }'

# Germany-specific EUR SEPA (EURDE)
curl -X POST 'https://api.yativo.com/api/v1/business/virtual-account/create' \
  -d '{ "customer_id": "CUSTOMER_ID", "currency": "EURDE" }'

Chile — Bank Transfer

Payment rail: Local bank transfer (RUT-based)
Settlement time: Same-day (business hours)

Required account details

Field	Format	Example
`account_number`	Bank account number	`"12345678"`
`bank_code`	Bank code	`"001"` (BancoEstado), `"009"` (Scotiabank)
`account_type`	`"checking"` or `"savings"` (corriente / ahorro)	`"checking"`
`rut`	Chilean RUT number	`"12345678-9"`

Colombia — Bank Transfer / Nequi / DaviPlata

Payment rail: Local bank ACH, Nequi, or DaviPlata
Settlement time: Same-day

Required account details

Field	Format
`account_number`	Bank account number
`bank_code`	Bank code
`account_type`	`"checking"` or `"savings"`
`document_type`	`"CC"` (cédula), `"NIT"` (company), `"CE"` (foreigner)
`document_number`	ID number

Peru — CCI Bank Transfer

Payment rail: CCI (Código de Cuenta Interbancario)
Settlement time: 1–2 business days

Required account details

Field	Format	Example
`account_number`	20-digit CCI	`"00215601234567891234"`
`bank_code`	Bank code	`"002"` (BCP), `"011"` (BBVA)

Argentina — CVU / CBU

Payment rail: CBU (Clave Bancaria Uniforme) or CVU (Mercado Pago / digital wallets)
Settlement time: Same-day for CVU; 1–2 days for CBU

Required account details (payouts)

Field	Format	Example
`cbu_cvu`	22-digit CBU or CVU	`"0000003100097845599238"`
`alias`	Optional CBU alias	`"ALIAS.PAGO.CUENTA"`

Virtual accounts (receive ARS) — Argentina-specific requirements

Argentina virtual accounts require additional customer identity fields that are not needed for other countries. The customer must be an Argentine resident.

curl -X POST 'https://api.yativo.com/api/v1/business/virtual-account/create' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: va-ar-001' \
  -d '{
    "customer_id": "CUSTOMER_ID",
    "currency": "ARS",
    "document_id": "A23E4567",
    "document_type": "CUIT"
  }'

Field	Required	Description
`currency`	Yes	Must be `"ARS"`
`document_id`	Yes	Customer’s official document number
`document_type`	Yes	`"CUIT"` (tax ID for companies/self-employed), `"CUIL"` (labour ID for individuals), or `"CDI"` (foreign resident ID)

CUIT is used for companies and self-employed individuals. CUIL is for employees. CDI is for foreign residents without a CUIL. When in doubt for an individual customer, use CUIL.

Getting the exact fields for any method

Use the form fields endpoint to get the precise required fields dynamically — they may change as rails evolve:

# Replace 30 with the payment_method_id from GET /payment-methods/payout?country=...
curl -X GET 'https://api.yativo.com/api/v1/beneficiary/form/show/30' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN'

This returns the exact fields with labels, validation rules, and whether each is required — the authoritative source for building your payment forms.

​Mexico — SPEI via CLABE

​Required account details

​Generate a CLABE for a customer

​Full payout example

​Virtual accounts (receive MXN via SPEI)

​Brazil — PIX

​PIX key types

​Required account details

​Example — send to a CPF PIX key

​Virtual accounts (receive BRL via PIX)

​Nigeria — NUBAN bank transfer

​KYC requirements

​Required account details for payouts

​Common Nigerian bank codes

​Example

​United States — ACH / Wire

​Required account details

​Virtual accounts (receive USD)

​Europe — SEPA

​Required account details

​Virtual accounts (receive EUR via SEPA)

​Chile — Bank Transfer

​Required account details

​Colombia — Bank Transfer / Nequi / DaviPlata

​Required account details

​Peru — CCI Bank Transfer

​Required account details

​Argentina — CVU / CBU

​Required account details (payouts)

​Virtual accounts (receive ARS) — Argentina-specific requirements

​Getting the exact fields for any method

Mexico — SPEI via CLABE

Required account details

Generate a CLABE for a customer

Full payout example

Virtual accounts (receive MXN via SPEI)

Brazil — PIX

PIX key types

Required account details

Example — send to a CPF PIX key

Virtual accounts (receive BRL via PIX)

Nigeria — NUBAN bank transfer

KYC requirements

Required account details for payouts

Common Nigerian bank codes

Example

United States — ACH / Wire

Required account details

Virtual accounts (receive USD)

Europe — SEPA

Required account details

Virtual accounts (receive EUR via SEPA)

Chile — Bank Transfer

Required account details

Colombia — Bank Transfer / Nequi / DaviPlata

Required account details

Peru — CCI Bank Transfer

Required account details

Argentina — CVU / CBU

Required account details (payouts)

Virtual accounts (receive ARS) — Argentina-specific requirements

Getting the exact fields for any method