> ## Documentation Index
> Fetch the complete documentation index at: https://docs.cheqpay.mx/llms.txt
> Use this file to discover all available pages before exploring further.

# CIE Cash Net Payments

> Accept BBVA cash and bank deposits in Mexico with CIE Cash Net references

## 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.

<Note>
  * 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.
</Note>

## When to Use CIE Cash Net

<CardGroup cols={2}>
  <Card title="Cash at BBVA" icon="money-bill">
    Customers who prefer paying in cash at ATMs or branches
  </Card>

  <Card title="BBVA Customers" icon="building-columns">
    Same-bank deposits using convenio at practicaja or digital banking
  </Card>

  <Card title="Interbank Transfers" icon="arrows-left-right">
    Customers at other banks can pay using the CLABE
  </Card>

  <Card title="Alternative to Cards" icon="credit-card">
    Offer when cards decline or customers are unbanked for cards
  </Card>
</CardGroup>

## How CIE Cash Net Works

<Steps>
  <Step title="Create Payment Request">
    You create a payment request with `cie_cash_net` as the payment method.
  </Step>

  <Step title="Reference Assigned">
    Cheqpay assigns a CIE reference from your merchant pool, along with convenio and CLABE.
  </Step>

  <Step title="Customer Deposits">
    The customer pays at a BBVA channel or transfers from another bank using the payment instructions.
  </Step>

  <Step title="Reconciliation">
    Cheqpay reconciles the deposit with BBVA (production) or the development simulator.
  </Step>

  <Step title="Webhook Notification">
    You receive `payment.capture.success` when the payment is captured.
  </Step>
</Steps>

<Tip>
  In production, capture depends on BBVA reconciliation files — not an instant provider webhook like PayCash. Use webhooks rather than polling for the final status.
</Tip>

## Create a CIE Cash Net Payment

```http theme={null}
POST /v2/payment-orders
x-api-key: YOUR_API_KEY
x-merchant-id: YOUR_MERCHANT_ID
Content-Type: application/json
```

### Request Example

```json theme={null}
{
  "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"
  }
}
```

<Note>
  Do not send `persist` for CIE Cash Net. References are order-scoped and managed by Cheqpay — they are not saved for reuse across orders.
</Note>

### Response with Payment Instructions

```json theme={null}
{
  "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"
  }
}
```

## Display Payment Instructions

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

<CardGroup cols={3}>
  <Card title="Reference" icon="hashtag">
    8-digit CIE reference number for the deposit
  </Card>

  <Card title="Convenio" icon="building-columns">
    BBVA account number for same-bank payments
  </Card>

  <Card title="CLABE" icon="credit-card">
    18-digit interbank account for transfers from other banks
  </Card>
</CardGroup>

### Where Customers Can Pay

| Channel                     | What to use                          |
| --------------------------- | ------------------------------------ |
| BBVA ATM / practicaja       | Reference + convenio                 |
| BBVA digital banking        | Reference + convenio                 |
| Other banks (SPEI transfer) | CLABE + reference as payment concept |

<Warning>
  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.
</Warning>

## Monitor Payment Status

CIE Cash Net payments start with status `PENDING` and update to `COMPLETED` when the deposit is reconciled and captured.

### Webhooks (Recommended)

Use webhooks to receive notifications when the payment is captured:

```json theme={null}
{
  "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"
  }
}
```

<Card title="Set Up Webhooks" icon="webhook" href="/features/webhooks">
  Learn how to receive CIE Cash Net notifications and verify signatures
</Card>

## CIE Cash Net Best Practices

<AccordionGroup>
  <Accordion title="Show All Three Fields" icon="eye">
    Display reference, convenio, and CLABE on checkout, confirmation pages, and emails. Omitting any field makes it harder for customers to pay.
  </Accordion>

  <Accordion title="Send Email Instructions" icon="envelope">
    Email the full payment instructions so customers can complete the deposit after leaving your site.
  </Accordion>

  <Accordion title="One Reference Per Order" icon="fingerprint">
    Each active order uses one CIE reference from our pool. Do not reuse a reference across concurrent orders.
  </Accordion>

  <Accordion title="Use Webhooks" icon="bell">
    Do not rely on redirect status alone. Confirm capture with webhooks as a better alternative for polling [Get Payment Order](/features/payment-orders).
  </Accordion>
</AccordionGroup>

## Testing CIE Cash Net in Sandbox

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

<Steps>
  <Step title="Create CIE Payment">
    Make a payment request with `type: "cie_cash_net"` in sandbox.
  </Step>

  <Step title="Simulate Reconciliation">
    Call the CIE Cash Net simulator with the reference from the order response.
  </Step>

  <Step title="Verify Webhook">
    Confirm your endpoint receives `payment.capture.success`.
  </Step>
</Steps>

See [Webhook Simulators — CIE Cash Net](/testing/webhook-simulators#cie-cash-net-simulator) for the full curl example.

## 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](/features/refunds).

## Pricing

Contact [sales@cheqpay.com](mailto:sales@cheqpay.com) for current CIE Cash Net pricing and to enable the method on your merchant account.

## Next Steps

<CardGroup cols={2}>
  <Card title="Webhooks" icon="webhook" href="/features/webhooks">
    Get notified when CIE deposits are captured
  </Card>

  <Card title="Webhook Simulators" icon="flask" href="/testing/webhook-simulators">
    Test CIE Cash Net payments in sandbox
  </Card>

  <Card title="Payment Orders" icon="file-invoice" href="/features/payment-orders">
    Track order status and lifecycle
  </Card>

  <Card title="Hosted Payment Page" icon="link" href="/features/hosted-payment-page">
    Offer CIE Cash Net on Cheqpay checkout
  </Card>
</CardGroup>