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What is CIE Cash Net?

CIE Cash Net is an offline payment method for Mexico powered by BBVA. Offer your customers a way to pay with cash at BBVA ATMs and branches, through BBVA digital banking, or via interbank transfer — without needing a card at checkout. Cheqpay assigns a CIE reference from your merchant reference pool for each payment order. Your customer completes the deposit using the reference together with the convenio (BBVA same-bank payments) and CLABE (transfers from other banks). The order is updated when the deposit is reconciled. it is important to note that in development we don’t use real reconciliation files, so you can test the payment flow with the webhook simulator.
  • Cheqpay assigns 8-digit CIE references for each payment order but in the future references can be up to 20 digits.
  • in Production CIE payments are reconciled with a process based in BBVA files which are processed every hour, however some transactions may take longer to be reflected in the BBVA files.
  • payouts are made the next day after the payment is captured/settled.

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When to Use CIE Cash Net

Cash at BBVA

Customers who prefer paying in cash at ATMs or branches

BBVA Customers

Same-bank deposits using convenio at practicaja or digital banking

Interbank Transfers

Customers at other banks can pay using the CLABE

Alternative to Cards

Offer when cards decline or customers are unbanked for cards

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How CIE Cash Net Works

1

Create Payment Request

You create a payment request with cie_cash_net as the payment method.
2

Reference Assigned

Cheqpay assigns a CIE reference from your merchant pool, along with convenio and CLABE.
3

Customer Deposits

The customer pays at a BBVA channel or transfers from another bank using the payment instructions.
4

Reconciliation

Cheqpay reconciles the deposit with BBVA (production) or the development simulator.
5

Webhook Notification

You receive payment.capture.success when the payment is captured.
In production, capture depends on BBVA reconciliation files — not an instant provider webhook like PayCash. Use webhooks rather than polling for the final status.

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Create a CIE Cash Net Payment

POST /payment-orders
Authorization: Bearer YOUR_API_KEY
Content-Type: application/json

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Request Example

{
  "externalId": "order-301",
  "customer": {
    "firstName": "Ana",
    "lastName": "López",
    "email": "ana@example.com",
    "phoneNumber": "+521555123456"
  },
  "amount": 150000,
  "currency": "MXN",
  "description": "Order #301",
  "paymentMethod": {
    "type": "cie_cash_net"
  }
}
Do not send persist for CIE Cash Net. References are order-scoped and managed by Cheqpay — they are not saved for reuse across orders.

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Response with Payment Instructions

{
  "paymentOrder": {
    "id": "ord_cie_123",
    "externalId": "order-301",
    "status": "PENDING",
    "amount": 150000,
    "currency": "MXN",
    "description": "Order #301"
  },
  "paymentMethod": {
    "type": "CIE_CASH_NET",
    "cieDetails": {
      "reference": "01234567",
      "convenio": "1234567",
      "clabe": "012345678901234567"
    }
  },
  "customer": {
    "id": "cus_abc789",
    "firstName": "Ana",
    "lastName": "López",
    "email": "ana@example.com"
  }
}

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Display Payment Instructions

Show all three values prominently so customers can complete the payment:

Reference

8-digit CIE reference number for the deposit

Convenio

BBVA account number for same-bank payments

CLABE

18-digit interbank account for transfers from other banks

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Where Customers Can Pay

ChannelWhat to use
BBVA ATM / practicajaReference + convenio
BBVA digital bankingReference + convenio
Other banks (SPEI transfer)CLABE + reference as payment concept
Always show reference, convenio, and CLABE together. Customers at BBVA use reference and convenio; customers at other banks use CLABE and must include the reference in the transfer details.

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Monitor Payment Status

CIE Cash Net payments start with status PENDING and update to COMPLETED when the deposit is reconciled and captured. Use webhooks to receive notifications when the payment is captured: 
{
  "id": "evt_cie_001",
  "event": "payment.capture.success",
  "data": {
    "paymentOrder": {
      "id": "ord_cie_123",
      "externalId": "order-301"
    },
    "paymentMethod": {
      "type": "cie_cash_net",
      "options": {
        "cieCashNet": {
          "reference": "01234567",
          "convenio": "1234567",
          "clabe": "012345678901234567"
        }
      }
    },
    "amount": "150000",
    "currency": "MXN"
  }
}

Set Up Webhooks

Learn how to receive CIE Cash Net notifications and verify signatures

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CIE Cash Net Best Practices

Display reference, convenio, and CLABE on checkout, confirmation pages, and emails. Omitting any field makes it harder for customers to pay.
Email the full payment instructions so customers can complete the deposit after leaving your site.
Each active order uses one CIE reference from our pool. Do not reuse a reference across concurrent orders.
Do not rely on redirect status alone. Confirm capture with webhooks as a better alternative for polling Get Payment Order.

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Testing CIE Cash Net in Sandbox

Like PayCash, CIE Cash Net does not auto-complete in sandbox. Use the webhook simulator in development:
1

Create CIE Payment

Make a payment request with type: "cie_cash_net" in sandbox.
2

Simulate Reconciliation

Call the CIE Cash Net simulator with the reference from the order response.
3

Verify Webhook

Confirm your endpoint receives payment.capture.success.
See Webhook Simulators — CIE Cash Net for the full curl example.

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Refunds

CIE Cash Net payments do not support API refunds. Handle returns at the merchant level, similar to PayCash. Card and SPEI support refunds via the Refunds API.

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Pricing

Contact sales@cheqpay.com for current CIE Cash Net pricing and to enable the method on your merchant account.

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Next Steps

Webhooks

Get notified when CIE deposits are captured

Webhook Simulators

Test CIE Cash Net payments in sandbox

Payment Orders

Track order status and lifecycle

Hosted Payment Page

Offer CIE Cash Net on Cheqpay checkout