account_validation

Bitso delivers an account_validation event when a Mexican account validation reaches a terminal state. payload matches Get account validation. Create already returns PROCESSING; the first webhook is the terminal result. PROCESSING regularly takes a few minutes. In a few cases it can take hours, depending on the receiving bank. Compare verified_owner with the person you intend to pay. The identification fields are defined in that reference. When the proof of payment (CEP) reports the identification as not available, the event still includes the owner name. A later validation returns that same identification.

Each example below is a separate code block.

{
  "event": "account_validation",
  "payload": {
    "id": "e7a12b34-f56c-7890-abcd-ef1234567890",
    "type": "MX_SPEI",
    "status": "COMPLETED",
    "mx_spei": {
      "account": {
        "type": "CLABE",
        "clabe": {
          "number": "810969370689174046"
        },
        "expected_owner": {
          "name": "Expected Owner Full Name"
        },
        "verified_owner": {
          "name": "Juan Pérez García",
          "identification_type": "CURP",
          "identification_number": "ABCD801231HDFABC01"
        }
      }
    },
    "created_at": "2026-06-25T14:00:00Z",
    "updated_at": "2026-06-25T14:32:00Z"
  }
}

{
  "event": "account_validation",
  "payload": {
    "id": "d1e2f3a4-b567-4890-abcd-ef1234567891",
    "type": "MX_SPEI",
    "status": "COMPLETED",
    "mx_spei": {
      "account": {
        "type": "CLABE",
        "clabe": {
          "number": "810969370689174046"
        },
        "expected_owner": {
          "name": "Expected Owner Full Name"
        },
        "verified_owner": {
          "name": "Ana Gómez Ruiz",
          "identification_type": "UNAVAILABLE",
          "identification_number": "ND"
        }
      }
    },
    "created_at": "2026-06-25T15:00:00Z",
    "updated_at": "2026-06-25T15:00:04Z"
  }
}

{
  "event": "account_validation",
  "payload": {
    "id": "bb11cc22-dd33-44ee-55ff-66aa77bb88cc",
    "type": "MX_SPEI",
    "status": "FAILED",
    "mx_spei": {
      "account": {
        "type": "CLABE",
        "clabe": {
          "number": "810969370689174046"
        },
        "expected_owner": {
          "name": "Expected Owner Full Name"
        }
      }
    },
    "error": {
      "code": "account_unreachable",
      "message": "The validation could not be completed because the account is unreachable."
    },
    "created_at": "2026-06-25T14:00:00Z",
    "updated_at": "2026-06-25T14:06:00Z"
  }
}