Frequently asked questions

STP as a participant of the Interbank Electronic Payments System (SPEI®), we operate through an open platform that allows sending and receiving payments to any counterparty that operates in SPEI®, in real time and without intermediaries; that is, without the need to access different banking portals, through a connection via API between the client' ERP system and STP or through its Enlace Financiero platform in accordance with the standards of the Extended Security Infrastructure, IES, of the Bank of Mexico®.

SPEI® is the main system in Mexico for making interbank transfers in local currency, which is administered by Banco de México®. The main features of this system are its capacity to process a large number of transfers, which are carried out with high security and practically in real time, as well as the possibility of operating transfers for any amount. In addition, the design of this system allows participating financial institutions to automate their payment processes, reduce costs and offer customers SPEI® transfer services at low prices.

May act as Participants in SPEI®, retirement fund managers; brokerage firms; exchange houses; credit institutions; insurance institutions; savings and loan cooperative societies; investment company stock distribution companies; regulated multiple purpose financial companies; popular financial companies; community financial companies and investment company operating companies, as well as clearing houses authorized by Banco de México® according to rule 56 of Circular 14/2017 Rules of the Interbank Electronic Payment System issued by Banco de México, may be SPEI® Participants, entities subject to regulation at the federal level, in financial matters, as well as to the supervision of Banco de México, the National Banking and Securities Commission, the National Insurance and Bonding Commission or the National Commission of the Retirement Savings System. According to Rule 56 of Circular 14/2017, the Rules of the Interbank Electronic Payments System issued by Banco de México, entities subject to federal financial regulation, as well as supervision by Banco de México, the National Banking and Securities Commission, the National Insurance and Bonding Commission, or the National Retirement Savings System Commission, may be participants in SPEI®.

SPEI® security is based on digitally signed messages. To do so, participants will use the digital certificates and passwords of authorized persons, who must obtain these certificates in accordance with the rules of the Extended Security Infrastructure, IES, of Banco de México®. SPEI® uses an open protocol (public rules for communication with the system), which allows participants to automate their processes and provide more and better services to their customers.

STP opens Electronic Payment Funds Accounts, in which credit entries are made equivalent to the amount of electronic payment funds issued against the receipt of an amount of money, in local currency for receiving or sending funds transfers.

The CLABE is the unique identifier called Clave Básica Estandarizada, which can be assigned to each of the Customer Accounts composed of 18 digits.

• Digits 1 to 3: Financial Institution Code. Each institution in Mexico has a unique 3-digit code assigned by Banco de México. For example, STP’s code is 646.
• Digits 4 to 7: Branch Code. Identifies the specific branch of the institution where the account was opened.
• Digits 8 to 17: Account Number. This is the individual account number assigned to each user by the institution.
• Digit 18: Check Digit. Calculated using an algorithm from the previous 17 digits. It serves to validate the CLABE and reduce data entry errors.

For robust financial security, create unique and complex passwords, activate multi-factor authentication (MFA) whenever possible, and access your accounts from secure networks. Regularly monitor your account statements, set alerts for unusual activities, and be cautious of phishing. Keep your software up to date and immediately report any loss or theft of information. Check the validity of the STP digital certificate by clicking on the padlock that appears in the Web browser next to the Financial Link address.
Do not leave your session open.

SPEI® security is based on digitally signed messages. To do so, participants will use the digital certificates and passwords of authorized persons, who must obtain these certificates in accordance with the rules of the Extended Security Infrastructure, IES, of Banco de México®. SPEI® uses an open protocol (public rules for communication with the system), which allows participants to automate their processes and provide more and better services to their customers.

In case you log in to Enlace Financiero and there are periods of inactivity lasting more than 5 minutes, the STP Platform will automatically terminate the respective session, with the understanding that in order to restart the session, which you can do immediately, you must re-enter your User ID and Password, with the double authentication factor derived from the single-use keys generated by the Duo Mobile application in accordance with the Terms and Conditions for the Use of the Platform.

STP reserves the right at all times to block the Account, in order to prevent it from continuing to operate through the STP Platform, in accordance with the Terms and Conditions for the Use of the Platform, when it detects, presumes or there are well-founded indications that the accounts assigned to the Client are being or will be used to carry out fraud, abuse of trust, theft, extortion, robbery, theft, damage or any criminal act, malicious or that may affect the confidence of the users of the financial services.

The Customer may log in immediately, for which he/she must enter again his/her user ID and password, with the double authentication factor, as indicated in the Terms and Conditions for the use of the STP Platform.

The Client can check his balance in real time by accessing the Enlace Financiero transactional system, authenticating himself with the user code and password assigned to him.

When you enter, you will see the Main Menu and select the Accounts module, sub-module Balances, which will detail the balance per assigned account. The data available per account are actual balance, pending charges and available balance, which is the difference between the two.

In the STPCoDig app, by logging in with your user name and password, in the Summary tab
you will be able to view your account information, balance, activate the Balance  Transfer and generate the last 3 months of the Account Statement.

STP makes available to the Client the monthly Account Statements for the last fifteen periods, through its Enlace Financiero Platform and the  last 3 months in the STP CoDi app. STP will provide, free of charge, account statements for a period prior to those available on the Platform, which may be requested by e-mail to atencionaclientes@stpmex.com and/or Contacto_Cliente, which will be answered within a period not exceeding 5 business days from the day following your request.

The Client can check his balance in real time by accessing the Enlace Financiero transactional system, authenticating himself with the user code and password assigned to him.

When you enter, you will see the Main Menu and select the Accounts module, sub-module Balances, which will detail the balance per assigned account. The data available per account are actual balance, pending charges and available balance, which is the difference between the two.

In the STPCoDig app, by logging in with your user name and password, in the Summary tab you will be able to view your account data, balance, activate the Balance Transfer and generate the last 3 months of the Account Statement.

STP provides a transfer order query module, through which you can make historical queries
of sent and received operations, which can be accessed through the following link:
https://prod.stpmex.com/consultas/Canales
of attention
Find out how to contact us and which are the available means to receive support. Find the best option to solve your doubts quickly and efficiently.

STP offers you its Customer Service Center at 55 52 64 84 18 option 1 - 1.
In the event that your inquiry, clarification or complaint is NOT satisfactorily resolved by our support and/or customer service teams, you may contact our Specialized Customer Service Unit by e-mail at unidad.especializada@stpmex.com or by phone at 5552648418 extension 1132, who will respond within 30 business days.

If you do not receive a satisfactory response, you may contact the National Commission for the Protection and Defense of Financial Services Users through its website: https://gob.mx/condusef or call 5553400999.