Interbank Payments SPEI · Interbank Payment SPEI 3 General - Interbank Payment SPEI System of Electronic Interbank Payments (SPEI Spanish) is a service through which you can send

Interbank Payment SPEI

User Guide

Interbank Payment SPEI (Only for account holders in Mexico)

May 2018


1

Disclaimer

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Content Disclaimer ..................................................................................................................... 1

Content ......................................................................................................................... 2

General - Interbank Payment SPEI .............................................................................. 3

TXT Format without Fiscal Voucher ............................................................................ 5

TXT Format without fiscal voucher– Payments On Behalf Of .....................................................6

TXT Format with Fiscal Voucher .................................................................................................7

TXT Format with Fiscal Voucher – Payments On Behalf Of ........................................................8

CSV Format without Fiscal Voucher ......................................................................... 10

CSV Format without Fiscal Voucher – Payments On Behalf Of ................................................11

CSV Format with Fiscal Voucher...............................................................................................12

CSV Format with Fiscal Voucher – Payments On Behalf Of .....................................................13

List of Valid Characters.............................................................................................. 19

SPEI payment cut off time schedule ......................................................................... 20


3

General - Interbank Payment SPEI

System of Electronic Interbank Payments (SPEI Spanish) is a service through which you can send or

receive interbank transfers of funds within the national territory (Mexico) without a minimum amount and

that are applied the same day they are requested.

HSBCnet supports two file types:

TXT

CSV (File type in Excel)

To upload your file, please select the following options:

File Types: Priority Payments

File Formats: MX – SPEI

Authorization Levels: Select as desired:

File Level (Details): Allows the authorising user to see all payment details included on the file

such as amount, charge and beneficiary account numbers, etc.

File Level (Summary): Only shows a file summary, total of payments included on the file and

the sum of all amounts, no payment details are shown to the user.

Location: Not applicable

File Upload


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5

TXT Format without Fiscal Voucher

Field Field Name Length Type Characters Comments

1 Ordering Account 10 Numeric 1 a 10 - The account has to be a Mexican account valid on the customer profile. If the account has 9 digits a zero

must be populated at the beginning of the account number.

2 Ordering Taxpayer

ID (RFC)

18 Alphanumeric 11 a 28 - This field must include at least 1 character.

- Justified with spaces to the right. Example:

- RFC: AAAA123456AA1

- Justified: “AAAA123456AA1 “

3 Beneficiary Account 20 Numeric 29 a 48 - Only available for CLABE and Debit card accounts

- CLABE consists of 18 positions. The first 3 positions

(left to right) correspond to the bank where CLABE resides and must match the value in the code bank

- Debit Card has 16 positions - Must be justified with zeroes to the left

Example: -CLABE: 021804142000691645

-Justified: 00021804142000691645

4 Beneficiary Bank 3 Numeric 49 a 51 Three-digit code. Accept zeroes to the left.

5 Beneficiary Name 34 Alphanumeric 52 a 85 - Justified with spaces to the right.

6 Amount 18 Numeric 86 a 103 - 16 units, 2 decimals, WITHOUT DECIMAL POINT.

- Must be justified with zeroes to the left. Example:

- Amount: $ 100.00 - Justified with zeroes: 000000000000010000

7 Numeric Reference 7 Numeric 104 a 110 - This field will be printed in the beneficiary’s bank

statement. - Must be justified with zeroes to the left

8 Payment Concept 40 Alphanumeric 111 a 150 - This field will be printed in the beneficiary’s bank

statement. - Justified with spaces to the right.

9 Ordering

Reference

16 Alphanumeric 151 a 166 *Optional field

- This field will be printed in the Ordering Account

- Justified with spaces to the right.

This is an example of a file in TXT format without fiscal voucher

Save the file to the directory of your choice to use when importing.


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TXT Format without fiscal voucher– Payments On Behalf Of

If the payment is being made on behalf of another person, the Company or party who instructs the

payment instruction to the beneficiary, must include the information of the Original Ordering Party in the

payments file. The following information is mandatory:

Ordering Party Name

Ordering Party Address (City, State and Country)

Ordering Party Account (if it’s different to the Mexico Debit Account (HBMX))

If the Ordering Party is a Financial Institution, you must provide one of the following options:

1. Ordering Financial Institution BIC; or

2. Name and Address of the Ordering Financial Institution

Note: If you include both options in the same payment: 1. BIC Code, 2. Name and Address of the Ordering

Financial Institution, the payment will be rejected.

Field Field Name Lenght Type Characters Comments

10 Ordering Party

Account

34 Alphanumeric 167 to 200 To be required if the payment is on behalf of

another party. If the account is less than 34 positions, it must be justified with spaces to the

right.

It’s not required if the payment is made on behalf of your company

11 Ordering Party

Name


another party. , it must be justified with spaces to the right.


12 Ordering Party Address

105 Alphanumeric 236 to 340 To be required if the payment is on behalf of another party. , it must be justified with spaces

to the right.

It’s not required if the payment is made on behalf

of your company

13 Ordering Party Institution

1 Alphabetic 341 To be required if the payment is on behalf of another party that is a Financial Institution, to

provide the value Y.


of your company

Provide BIC of Financial Institution on field 14 only or provide the required information on fields

15 & 16, but not both options.

14 Ordering Financial

Institution BIC

8 o 11 Alphanumeric 342 to 352 BIC Code of Financial Institution

15 Name of the Ordering Financial

Institution

35 Alphanumeric 353 to 387 Mandatory if field 14 was not provided.

16 Address of the Ordering Financial

Institution

105 Alphanumeric 388 to 492 Mandatory if field 14 was not provided.


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TXT Format with Fiscal Voucher

Field Field Name Length Type Characters Comments

1 Ordering Account

10 Numeric 1 a 10 - The account has to be a Mexican account valid on the customer profile. If the account has 9 digits a zero must be

populated at the beginning of the account number.

2 Ordering Taxpayer ID

(RFC)

18 Alphanumeric 11 a 28 - This field must include at least 1 character. - Justified with spaces to the right.

Example:

- RFC: AAAA123456AA1 - Justified: “AAAA123456AA1 “

3 Beneficiary

Account

20 Numeric 29 a 48 - Only available for CLABE and Debit card accounts

- CLABE consists of 18 positions. The first 3 positions (left to right) correspond to the bank where CLABE resides and must

match the value in the code bank - Debit Card has 16 positions

- Must be justified with zeros to the left Example:

-CLABE: 021804142000691645 -Justified: 00021804142000691645

4 Beneficiary

Bank

3 Numeric 49 a 51 Three-digit code. Justified with zeroes to the left.

5 Beneficiary Name

34 Alphanumeric 52 a 85 - Justified with spaces to the right.

6 Amount 18 Numeric 86 a 103 - 16 units, 2 decimals, WITHOUT DECIMAL POINT .

- Must be justified with zeros to the left. Example:

- Amount: $ 100.00 - Justified with zeros:: 000000000000010000

7 Fiscal Voucher 1 Alphabetic 104 a 104

Fixed Value: S

8 Beneficiary

Taxpayer ID (RFC)

18 Alphanumeric 105 a 122 - This field must have at least 1 character.

- Justified with spaces to the right. Example:

- RFC: AAAA123456AA1 - Justified: “AAAA123456AA1 “

9 VAT (IVA) 18 Numeric 123 a 140 - The value of this field must be greater than zero and less than

the amount field. This field will be printed on the status of the beneficiary.

- 16 units, 2 decimals, WITHOUT DECIMAL POINT .

10 Numeric

Reference

7 Numeric 141 a 147 - This field will be printed in the beneficiary’s bank statement.

- Must be justified with zeroes to the left

11 Payment

Concept

30 Alphanumeric 148 a 177 - This field will be printed in the beneficiary’s bank statement.

- Must be justified with spaces to the right


8

This is an example of a file in TXT format with fiscal voucher


TXT Format with Fiscal Voucher – Payments On Behalf Of




Ordering Party Name








Field Field Name Lenght Type Characters Comments

12 Ordering Party

Account


another party. If the account is less than 34 positions, it must be justified with spaces to the

right.


13 Ordering Party

Name


another party. it must be justified with spaces to

the right.


14 Ordering Party Address

105 Alphanumeric 247 to 351 To be required if the payment is on behalf of another party. It must be justified with spaces to

the right.


of your company


1 Alphabetic 352 To be required if the payment is on behalf of another party that is a Financial Institution, to

provide the value Y.


9


of your company

Provide BIC of Financial Institution on field 16

only or provide the required information on fields 17 & 18, but not both options.


Institution BIC

8 o 11 Alphanumeric 353 to 363 BIC Code of Financial Institution

17 Name of the Ordering

Financial Institution

35 Alphanumeric 364 to 398 Mandatory if field 16 was not provided..

18 Address of the

Ordering Financial

Institution

105 Alphanumeric 399 to 503 Mandatory if field 16 was not provided


10

CSV Format without Fiscal Voucher

You must create this file in Excel and save it in CSV format in the directory of your choice. No need to

justify with zeroes or blanks. (Be aware that each cell will represent a field)

Field Field Name Length Type Comments

1 Ordering Account 10 Numeric - The account has to be a Mexican account valid on the costumer

profile. If the account has 9 digits a zero must be populated at the beginning of the account number.

2 Ordering Taxpayer

ID (RFC)

18 Alphanumeric - This field must include at least 1 character.

Example: - RFC: AAAA123456AA1

3 Beneficiary Account 20 Numeric - Only available for CLABE and Debit card accounts - CLABE consists of 18 positions. The first 3 positions (left to right)

correspond to the bank where CLABE resides and must match the

value in the code bank - Debit Card has 16 positions

4 Beneficiary Bank 3 Numeric -Three-digit code. Accept zeroes to the left.

5 Beneficiary Name 34 Alphanumeric

6 Amount 18 Numeric - 15 units, 2 decimals, WITH DECIMAL POINT .

Example: - Amount: $ 100.00 Must be captured : 100.00

7 Numeric Reference 7 Numeric - This field will be printed in the beneficiary’s bank statement.

8 Payment Concept 40 Alphanumeric - This field will be printed in the beneficiary’s bank statement

9 Ordering Reference 16 Alphanumeric *Optional Field - This field will be printed in the Ordering Account

This is an example of a file in CSV format without fiscal voucher



11

CSV Format without Fiscal Voucher – Payments On Behalf Of




Ordering Party Name








Field Field Name Lenght Type Comments

10 Ordering Party Account 34 Alphanumeric To be required if the payment is on behalf of another party.


11 Ordering Party Name 35 Alphanumeric To be required if the payment is on behalf of another

party. , it must be justified with spaces to the right.

It’s not required if the payment is made on behalf of

your company

12 Ordering Party Address 35 Alphanumeric To be required if the payment is on behalf of another



13 Ordering Party Address 2* 35 Alphanumeric *

14 Ordering Party Address 3* 35 Alphanumeric *

15 Ordering Party Institution 1 Alphabetic To be required if the payment is on behalf of another party that is a Financial Institution, to provide the

value Y.


your company

Provide BIC of Financial Institution on field 14 only or

provide the required information on fields 15 & 16, but not both options.

16 Ordering Financial Institution BIC

8 o 11 Alphanumeric BIC Code of Financial Institution

17 Name of the Ordering Financial Institution

35 Alphanumeric Mandatory if field 14 was not provided.

18 Address of the Ordering




12



35 Alphanumeric *

20 Address of the Ordering Financial Institution

35 Alphanumeric *

CSV Format with Fiscal Voucher

Field Field Name Length Type Comments

1 Ordering Account 10 Numeric The account has to be a Mexican account valid on the costumer profile. If the account has 9 digits a

zero must be populated at the beginning of the

account number.

2 Ordering Taxpayer

ID (RFC)

18 Alphanumeric - This field must include at least 1 character.

3

Beneficiary Account 20 Numeric - Only available for CLABE and Debit card accounts - CLABE consists of 18 positions. The first 3

positions (left to right) correspond to the bank where CLABE resides and must match the value in the

code bank

- Debit Card has 16 positions

4 Beneficiary Bank 3 Numeric Three-digit code. Accept zeroes to the left.

5 Beneficiary Name 34 Alphanumeric

6 Amount 18 Numeric - 15 units, 2 decimals, WITH DECIMAL POINT . Example:

- Amount: $ 100.00 -Must capture : 100.00

7 Fiscal Voucher 1 Alphabetic Fixed Value “S”

8 Beneficiary Taxpayer ID (RFC)

18 Alphanumeric - This field must include at least 1 character. - This field will be printed in the beneficiary’s bank

statement

9 VAT (IVA) 18 Numeric - The value of this field must be greater than zero

and less than the amount field. This field will be

printed on the status of the beneficiary. - 15 units, 2 decimals, WITH DECIMAL POINT .

10 Numeric Reference 7 Numeric . This field will be printed on the status of the

beneficiary.

11 Payment Concept 30 Alphanumeric - This field will be printed in the beneficiary’s bank

statement.


13

This is an example of a file in CSV format with fiscal voucher


CSV Format with Fiscal Voucher – Payments On Behalf Of




Ordering Party Name








Field Field Name Lenght Type Comments

12 Ordering Party Account 34 Alphanumeric To be required if the payment is on behalf of another

party.


your company

13 Ordering Party Name 35 Alphanumeric To be required if the payment is on behalf of another



your company

14 Ordering Party Address 35 Alphanumeric To be required if the payment is on behalf of another



your company

15 Ordering Party Address 2

35 Alphanumeric *

16 Ordering Party

Address 3

35 Alphanumeric *


1 Alphabetic To be required if the payment is on behalf of another party that is a Financial Institution, to provide the

value Y.


your company

Provide BIC of Financial Institution on field 15 only or provide the required information on fields 16 & 17, but

not both options.


14


Institution BIC

8 o 11 Alphanumeric BIC Code of Financial Institution

19 Name of the Ordering Financial Institution


20 Address of the Ordering Financial Institution



Financial Institution 2

35 Alphanumeric *


Financial Institution 3

35 Alphanumeric *

Note: Please review the SPEI payment cut off time schedule, prior to creating a SPEI payment.


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Download Responses and Receipt

Click on the "Reports and download file" option, the window will show the history of the last payment receipt

The system generate a report for each uploaded file::

GBHBEUHEXABCFL-FLU- File Upload Report: This response report is generated immediately after upload when

the file contains no errors.

GBHBEUHEXABCEX-FLU- File Exception Report: This response report is generated only if the file was rejected

for some reason, for which the file would be rejected completely.

To understand the information contained in these reports, use the following tables as a reference.

File Upload Report


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No. Field Name Lenght Description

1 File Name / Reference. 70 Name of original file.

2 Reference. 35 File upload reference.

3 Date. 10 Date the file was uploaded.

4 Hour. 08 Time the file was uploaded

5 Number of lots (successfully validated).

06 Number of successfully validated lots in the file. Each batch may contain one or more instructions.

6 Number of lots (which could not be validated).

06 Number of lots that could not be successfully validated in the file.

7 Number of operations (successfully validated).

06 Instructions validated successfully.

8 Number of operations (which could not be validated).

06 Instructions that could not be validated.

9 User ID. 40 User who uploaded the file.

10 Status 02 File Status.

11 Description. 16 RECEIVED BY BANK

File Exception Report

Field Name Lengh Description

File Name / Reference 70 Original File Name

Filing Date 10 Date File Was Filled

Presentation Time 08 Time the file was uploaded

Number of operations 06 Number of instructions in the file

User ID 40 User uploading the file

Status 19 File Status Code

Description of the status 60 Description of the file code

Error Messages

The following table shows the most common errors that the File Exception Report file or the file upload status monitoring might show.


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Error Explicación

FILE FAILED WITH SYNTACTICAL ERROR

The file contains syntax or structure errors. Note that the system does not allow accents, letters Ñ and verify that the fields do not contain more characters than are allowed.

DUPLICATE FILE / INTERCHANGE

The file reference is the same as that of a previously loaded file

INVALID RECORD COUNT

(Invalid record count)

- The total number of transactions does not match the sum of the number of payments contained in the file.

- A file containing spaces or a character on the next lower line after the last payment could cause this type of error.

- It is suggested to copy and paste the information to a new file and load again.

INVALID RECORD LENGTH The file may contain instrctions with a different length than allowed.

INVALID VALUE DATE

(Invalid date value)

The value date of the file is invalid. For example, a date before the current day has been entered.

UNKNOWN SENDER

(Remitente desconocido)

The ordering or debit account is not recognized. You are advised to check that the account entered as payer is linked to your HSBCnet profile and has the File Upload service enabled.

DUPLICATE OR ALREADY PAID /

The file contains instructions paid the same day, that is, you have a record of a payment to the same beneficiary account, for the same amount, with the same reference and name of the beneficiary.

INVALID AMOUNT IN HEADER/TRAILER RECORD

The total amount of the header does not conicide with the sum of the instructions.

FILE CREATION DATE OLDER THAN 5 DAYS

The file must be authorized at most 5 days after loading, otherwise the system will throw this error

File “XXX” has zero length This error is presented by an update within the Internet browser. The quickest solution is to load the file from another browser like Google Chrome.


18

Sample Proof of Payment (PDF)

Download the voucher for SPEI Payments with the next Report ID

Rejected Payments: B-HBEU-HEXABCEX (File Exception Report)

Payments processed: SPEI_PAYMENT_RECEIPT (Recibo de Pago SPEI)


19

List of Valid Characters

Valid Characters list

0 L g .

1 M h _

2 N i @

3 O j -

4 P k

5 Q l

6 R m

7 S n

8 T o

9 U p

A V q

B W r

C X s

D Y t

E Z u

F a v

G c w

H d x

I e y

J f z

K


20

SPEI payment cut off time schedule

SPEI payment processing times effective 19 March 2017

Amount per payment instruction

Payment submission day Payment submission time

(Central Time) Payment processing time

(Central Time)

Less than or equal to MXN 500,000

Any day

(Monday to Sunday, including bank holiday)

06:00 to 23:59 Will be processed immediately.

00:00 to 03:00 Will be processed at 3:00 am


Greater than MXN 500,000

Monday to Friday

00:00 to 05:59 Will be processed at 06:00.


17:30 to 23:59 Will be processed at 06:00 the

next working day.

Saturday, Sunday or Bank holiday

Any time Will be processed at 06:00 the

next working day.

Note: During HSBCnet Maintenance Windows this service won’t be available


© HSBC Bank plc 2018. All rights reserved

Documents

Interbank Payments SPEI · Interbank Payment SPEI 3 General - Interbank Payment SPEI System of Electronic Interbank Payments (SPEI Spanish) is a service through which you can send