apiCEP
API that verifies Mexican bank transfer receipts against Banxico records in under 10 seconds, catching fake and edited payments.
🔗 Visit apiCEP
Description
Imagine getting a bank transfer receipt from a stranger online — a screenshot, a photo, a PDF — and having to decide in seconds whether it's real or a clever fake. That's the problem apiCEP solves for businesses across Mexico that get paid by bank transfer instead of a credit card. It works a bit like a notary for digital payments: you hand it a receipt, and within about ten seconds it tells you whether the money actually moved, checking directly against Mexico's central bank records and catching doctored amounts, made-up transactions, and receipts that were never real to begin with.
Technically, apiCEP is a REST API built around Mexico's CEP (Comprobante Electrónico de Pago) system, the official proof-of-payment record maintained by Banxico. Clients submit a receipt image or PDF; the service applies OCR to extract the transaction's key fields (amount, date, sender/receiver bank details, tracking key) and cross-references them against Banxico's SPEI records to confirm the transfer is genuine rather than just well-formatted. Successful lookups return a confirmed CEP document in machine-readable XML plus a downloadable PDF that businesses can archive for compliance or dispute resolution. It's aimed at high-volume transfer-based checkouts — e-commerce, fintech neobanks, PropTech, WhatsApp-based sales, ticketing platforms — where manually eyeballing receipts doesn't scale.
💬 Our review
The short version: if your business gets paid via Mexican bank transfer and you're currently squinting at screenshots trying to spot fraud, apiCEP is a cheap, fast fix — as long as you only operate in Mexico.
apiCEP sits in a narrow but real niche: automated verification of SPEI/CEP receipts, not general open banking. Belvo and Prometeo are broader open-banking aggregators covering multiple Latin American countries — they can pull account data and transaction history across banks, but that breadth comes with more integration overhead and typically enterprise-style pricing that requires a sales call before you see a number. Going straight to STP's own API can be effectively free if you're already an STP client, but it only verifies transfers routed through STP, not the full Mexican banking system, and it demands a direct integration with a regulated financial institution rather than a plug-and-play REST call. apiCEP's pricing — as low as $100 MXN/month (roughly $5-6 USD) for 200 checks, with a free 50-request tier to test the fit first — undercuts both. The catch is scope: this only works for Mexico-issued SPEI transfers, so it's a non-starter the moment your fraud problem crosses a border.
💰 Pricing
📊 Global score
🤖 AI-enriched data
Gratuit (50 requêtes) ; de 100 MXN/mois (200 requêtes) à 800 MXN/mois (3 200 requêtes) ; sur devis au-delà
Pros
Vérification rapide (moins de 10s)
Tarifs très accessibles en MXN
Documentation CEP téléchargeable (XML/PDF)
Palier gratuit pour tester
Cons
Limité au Mexique (SPEI uniquement)
Pas de tarifs affichés en USD
Paliers de volume vite dépassés à l'échelle