2026-05-07

This release extends POST /v1/transactions/money_out to automatically detect when the destination instrument belongs to a Finco Pay (Monato) account and route the transaction as an internal book-to-book transfer — no SPEI, near-real-time settlement. No changes to the request body are required. POST /v1/transactions/internal_transaction remains fully functional.

Impact: POST /v1/transactions/money_out now handles both external and internal transfers. When the destination instrument belongs to a Finco Pay account, the system routes the transaction as a book-to-book transfer automatically. The subCategory field in the response reflects the routing: SPEI_DEBIT for external, INT_DEBIT for internal.
Action required: None for existing integrations. For new integrations, use POST /v1/transactions/money_out exclusively for all outbound transfers.
References: POST /v1/transactions/money_out

Impact: INT_CREDIT can now originate from either POST /v1/transactions/internal_transaction or POST /v1/transactions/money_out when the destination instrument belongs to a Finco Pay account.
Action required: If your webhook consumer filters on sub_category: INT_CREDIT, no changes are needed — behavior is the same regardless of the originating endpoint.
References: Webhook MONEY_IN — body.sub_category

Impact: The endpoint remains fully functional with no breaking changes. However, POST /v1/transactions/money_out is now the recommended single endpoint for all outbound fund movements, including transfers to Finco Pay accounts.
Action required: Migrate to POST /v1/transactions/money_out at your own pace. No urgency for existing integrations.
References: Internal Transactions

1. New integrations

   • Use POST /v1/transactions/money_out for all outbound transfers — both external (SPEI) and internal (Finco Pay).
   • No flags or extra fields needed; routing is automatic based on the destination instrument.

2. Existing integrations using internal_transaction

   • No action required. The endpoint remains supported.
   • When ready to migrate, replace calls to POST /v1/transactions/internal_transaction with POST /v1/transactions/money_out using the same request body structure.