MagicPay

## Sections
• [speiTransfer](https://app.theneo.io/magic-payments/magicpay/speitransfer.md): Permite enviar transferencias SPEI a cuentas bancarias o tarjetas de débito en México de forma rápida y segura.
• [speiTransfer Webhook](https://app.theneo.io/magic-payments/magicpay/speitransfer-webhook.md): Notifica automáticamente los cambios en el estado de las transferencias a través de un webhook. 1 Se envía la solicitud del SPEI con speiTransfer El servicio responderá con un status “ in_process ”. MagicPay ejecutará la transferencia SPEI enviándola a Banxico. 2 Notificación de Liquidación por Webhook Se envía un webhook al endpoint proporcionado por el cliente con la confirmación de liquidación del SPEI. Se recibirá un status “ paid ". En el mayor de los casos, ya no existiran más notificaciones, excepto cuando exista una devolución posterior. La confirmación de liquidación suele llegar pocos segundos o minutos después de enviar la instrucción de speiTransfer. 3 Notificación de Devolución por Webhook En caso que exista una devolución de la transacción, se envía un webhook al endpoint proporcionado por el cliente con el status “ returned “. En el campo ”failureReason" se envía el motivo de la devolución. Las devoluciones suelen llevarse acabo pocos minutos después de la transacción, pero en ocasiones pueden existir devoluciones extemporaneas en uno o más días posteriores. Valores para el campo status: in_process : El depósito se encuentra en proceso, en espera de la notificación del liquidación por el banco receptor. paid : El pago ha sido liquidado al banco receptor. returned : El pago fue devuelto por el banco receptor./ failed : Hubo un problema al intentar realizar el SPEI. pending_validation : La cuenta está en proceso de validación, que coincida el titular con el CEP en Banxico. Casos de devoluciones: Excede el límite de abonos permitidos en el mes en la cuenta Excede el límite de saldo autorizado de la cuenta Cuenta inexistente Cuenta cancelada Cuenta no pertenece al banco receptor Falta información mandatoria para completar el pago La verificación del titular de la cuenta ha fallado. Los detalles proporcionados no coinciden con Banxico.
• [getTransfer](https://app.theneo.io/magic-payments/magicpay/gettransfer.md): Recupera el estado y los detalles de una transferencia previamente iniciada.
• [getBalance](https://app.theneo.io/magic-payments/magicpay/getbalance.md): Permite consultar el saldo disponible en la cuenta vinculada a MagicPay.
• [getTransfers](https://app.theneo.io/magic-payments/magicpay/gettransfers.md): Recupera una lista de transferencias filtradas por estado, fechas y otros parámetros opcionales.
• [getPayments](https://app.theneo.io/magic-payments/magicpay/getpayments.md): Recupera una lista de pagos recibidos filtrados por estado, fechas y otros parámetros opcionales.
• [newReceiverAccount](https://app.theneo.io/magic-payments/magicpay/newreceiveraccount.md): Crea una nueva cuenta receptora (CLABE) asociada a un merchant. Dependiendo del procesador del merchant, genera la CLABE a través del participante de SPEI activo en el momento.
• [Webhook Recepción de SPEI](https://app.theneo.io/magic-payments/magicpay/multi-clabes.md): Al recibir una transferencia a la cuenta concentradora o cualquier Multi-CLABE, se envía una notificación webhook al endpoint proporcionado con toda la información del SPEI.
• [verifyClabe](https://app.theneo.io/magic-payments/magicpay/verifyclabe.md): Valida la CLABE interbancaria y asegura que sea correcta y válida. Principalmente usada para generar Sub-CLABEs para recepción de pagos y generar el digito verificador del final.
• [Bank List](https://app.theneo.io/magic-payments/magicpay/bank-list.md): Lista de bancos para el servicio de speiTransfer . El campo de banco es opcional cuando es una CLABE, pero obligatorio de tratarse de tarjeta de débito, debe de enviarse tal cuál como aparece en la lista, sin importar mayúsculas y minúsculas. Title ABC CAPITAL ACCIVAL ACTINVER AFIRME AKALA AMERICAN EXPRES AMERICAN EXPRESS ASEA ASP INTEGRA OPC AUTOFIN AXA AZTECA B&B BAJIO BAMSA BANAMEX BANCO FAMSA BANCO FINTERRA BANCOMER BANCOMEXT BANCOPPEL BANCREA BANJERCITO BANKAOOL BANOBRAS BANORTE BANORTE/IXE BANREGIO BANSEFI BANSI BARCLAYS BBASE BBVA BANCOMER BMONEX BTG PACTUAL BX+ CAJA POP MEXICA CAJA TELEFONIST CB ACTINVER CB INTERCAM CB JPMORGAN CBDEUTSCHE CI BOLSA CIBANCO CITIBANAMEX CLS COMPARTAMOS CONSUBANCO CREDIT SUISSE CRISTOBAL COLON CUENCA DEUTSCHE DONDE ESTRUCTURADORES EVERCORE FINAMEX FINCOMUN FND FOMPED FONDEADORA FONDO (FIRA) FORJADORES GBM GNP HDI SEGUROS HIPOTECARIA FED HSBC HUASTECAS ICBC INBURSA INDEVAL INFONAVIT INMOBILIARIO INTERACCIONES INTERCAM BANCO INVERCAP INVESTA BANK INVEX IXE JP MORGAN KLAR KUSPIT LIBERTAD MAPFRE MASARI MERCADO PAGO W MERRILL LYNCH METABANK METROPOLITAN MIFEL MIZUHO BANK MONEXCB MULTIVA BANCO MULTIVA CBOLSA NAFIN NU MEXICO NVIO OACTIN ORDER OSKNDIA PAGATODO PERSEVERANCIA PRINCIPAL PROFUTURO REFORMA SABADELL SANTANDER SCOTIABANK SEGMTY SKANDIA SOFIEXPRESS SPIN BY OXXO STP SURA TESORED TOKYO UBS BANK UNAGRA UNIBANCARD UNIBANK VALMEX VALUE VE POR MAS VECTOR VOLKSWAGEN ZURICH ZURICHVI
• [Privacy Policy](https://app.theneo.io/magic-payments/magicpay/privacy-policy.md): MagicPay App Privacy Policy Last Updated: 6 Feb, 2025. Thank you for choosing MagicPay. We value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and protect your data when you use the MagicPay app and its features, including BLE-based location detection, Airdrop sharing, and the MagicPay keyboard extension. 1. Information We Collect We collect the following types of information to provide and improve our services: 1.1 Personal Information Email Address: Used for signing up, logging in, and communicating important updates about the service. First and Last Name: Used to personalize your experience and provide identity verification when necessary. 1.2 Location Information BLE Location Data: We collect location data to detect nearby payment beacons using Bluetooth Low Energy (BLE). This is necessary to trigger notifications when a payment link is created within a short distance (20 cm or less). Note: Location data is used only for detecting nearby payment events and is not stored or tracked for other purposes. 1.3 Device Information Airdrop Sharing: We use Airdrop to allow you to securely share payment links. This feature does not store or share any sensitive personal information beyond what is necessary to complete the transfer. 1.4 Keyboard Extension (Full Access) Payment Amounts Only: Enabling the MagicPay keyboard extension requires full access to provide payment link functionality. However, we do not collect or have visibility into what you type in any other keyboard or app. We only capture the payment amount you input within the MagicPay extension. 1.5 Notifications Payment Link Notifications: We may send push notifications to alert you when a payment link has been created nearby. You can manage notification preferences within your device settings. 2. How We Use Your Information We use the information we collect to: Provide and improve the functionality of the MagicPay app. Facilitate secure payment link creation and sharing. Detect and notify users of nearby payment links. Personalize and enhance your user experience. Communicate important updates, security alerts, or service changes. 3. How We Protect Your Information We prioritize the security of your personal data. Measures we take include: Encryption: All data, including payment links, is transmitted securely using industry-standard encryption. Limited Data Collection: We only collect the data necessary for MagicPay to function properly. Access Control: Access to personal data is limited to authorized personnel and protected by strict security protocols. 4. Data Sharing and Third Parties We do not sell, rent, or share your personal information with third parties for their marketing purposes. We may share information only under the following circumstances: With your consent: When you explicitly agree to share data for a particular purpose. Legal obligations: When required to comply with legal obligations, court orders, or government regulations. Service providers: Trusted service providers may access information necessary to perform services on our behalf (e.g., cloud hosting, BLE detection services) under strict confidentiality agreements. 5. Your Choices and Control Manage BLE Permissions: You can enable or disable location-based services via your device’s settings. Notification Preferences: Manage push notifications in your device settings. Manage Keyboard Access: You can enable or disable the MagicPay keyboard extension through your device settings at any time. Account Deletion: You may request to delete your account and associated data by contacting us at [Insert Contact Email]. 6. Data Retention We retain your personal information only for as long as necessary to provide the MagicPay service and as required by applicable laws. When data is no longer needed, it will be securely deleted or anonymized. 7. Children's Privacy MagicPay is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child without parental consent, we will delete it promptly. 8. Changes to this Privacy Policy We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. Any updates will be posted here, and if changes are significant, we will notify you via email or within the app. 9. Contact Us If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at: Email: bruno@magicpay.mx Address: Tlaloc 9, Col. El Contadero, Cuajimalpa, CDMX, México, 05500 By using the MagicPay app, you agree to the terms outlined in this Privacy Policy.