CEP

The CEP (Comprobante Electrónico de Pago) is the official electronic receipt Banco de México issues to confirm a completed transfer sent through SPEI, Mexico’s real-time interbank payment system. It shows the payment date, the tracking code or reference number, the exact amount, and the sending and receiving banks, so both parties can prove that a transfer actually settled. Anyone can request the CEP for a given payment on Banxico’s own portal using the tracking code, the amount, and the two banks involved — no account login is required. Banxico is explicit that a CEP is issued for informational purposes only and that the receiving institution supplies the underlying payment data at its own responsibility, so the document works as a Banxico-backed record rather than a claim from either bank. Because a CEP only exists for transfers that already cleared, receiving a valid one is the standard way Mexican banks and their customers confirm a domestic transfer actually arrived.

See also: SPEI for the payment system that generates every CEP.