Registering a Fiat Account

This endpoint allows the creation of fiat accounts. Find more information contextual to each country in our Registering payment methods section. To distinguish between first-party (owned by the customer) and third-party (beneficiary) accounts, use the isExternal field:

In order to register a FIAT account for a third party, simply call the Create Payment Method endpoint.

Register a First-Party Account

To create a first-party account (owned by the customer), you may omit the isExternal field or set it to false.

Request Body

curl --location 'https://penny-api-restricted-dev.alfredpay.io/api/v1/third-party-service/penny/fiatAccounts' \  
\--header 'Content-Type: application/json' \
\--header 'accept: */*' \
\--header 'api-key: xxxxxxx' \
\--header 'api-secret: xxxxxxx' \
\--data {
  "customerId": "21ef567b-d4c5-4bad-b4ce-ce975cc1ac57",
  "type": "SPEI",
  "fiatAccountFields": {
    "accountNumber": "012020477538404708",
    "accountType": "CLABE"
  }
}

curl --location 'https://penny-api-restricted-dev.alfredpay.io/api/v1/third-party-service/penny/fiatAccounts' \  
\--header 'Content-Type: application/json' \
\--header 'accept: */*' \
\--header 'api-key: xxxxxxx' \
\--header 'api-secret: xxxxxxx' \
\--data {
  "customerId": "1a9f7cea-34e4-4f6d-bbbc-02cf4e253105",
  "type": "PIX",
  "fiatAccountFields": {
    "accountNumber": "[email protected]",
    "accountType": "EMAIL"
  }

curl --location 'https://penny-api-restricted-dev.alfredpay.io/api/v1/third-party-service/penny/fiatAccounts' \  
\--header 'Content-Type: application/json' \
\--header 'accept: */*' \
\--header 'api-key: xxxxxxx' \
\--header 'api-secret: xxxxxxx' \
\--data {
  "customerId": "2fdb5f9a-351f-40e1-b0b4-6a671ca0cbae",
  "type": "COELSA",
  "fiatAccountFields": {
    "accountNumber": "xxxxxxxxxxxxxxxxxxxxxx",
    "accountType": "CBU"
  }
}

curl --location 'https://penny-api-restricted-dev.alfredpay.io/api/v1/third-party-service/penny/fiatAccounts' \  
\--header 'Content-Type: application/json' \
\--header 'accept: */*' \
\--header 'api-key: xxxxxxx' \
\--header 'api-secret: xxxxxxx' \
\--data {
  "customerId": "3e2b09c3-8f83-4396-b121-3ca25f8a2f65",
  "type": "ACH",
  "fiatAccountFields": {
    "accountNumber": "03052833711",
    "accountType": "AHORRO",
		"accountName": "BANCAMIA"
  }
}

curl --location 'https://penny-api-restricted-dev.alfredpay.io/api/v1/third-party-service/penny/fiatAccounts' \  
\--header 'Content-Type: application/json' \
\--header 'accept: */*' \
\--header 'api-key: xxxxxxx' \
\--header 'api-secret: xxxxxxx' \
  --data '{
  "customerId": "6e3dd476-1ea0-458d-9394-e4e99d16d51c",
  "type": "ACH_DOM",
  "fiatAccountFields": {
    "accountNumber": "9608006792",
    "accountType": "CORRIENTE",
    "accountName": "BANCO DE RESERVAS DE LA R.D"
  }
}

curl --location 'https://penny-api-restricted-dev.alfredpay.io/api/v1/third-party-service/penny/fiatAccounts' \  
\--header 'Content-Type: application/json' \
\--header 'accept: */*' \
\--header 'api-key: xxxxxxx' \
\--header 'api-secret: xxxxxxx' \
\--data   {
  "customerId": "",
  "type": "BANK_CN",
  "fiatAccountFields": {
    "accountNumber": "6222021234567890123",
    "accountType": "ACCOUNT_NUMBER",
    "bankStreet": "No.55 Fuxingmennei Street",
    "bankCity": "Beijing",
    "bankState": "Beijing",
    "bankPostalCode": "100140",
    "networkIdentifier": "ICBKCNBJ",
    "accountName": "Industrial and Commercial Bank of China"
  }
}

curl --location 'https://penny-api-restricted-dev.alfredpay.io/api/v1/third-party-service/penny/fiatAccounts' \  
\--header 'Content-Type: application/json' \
\--header 'accept: */*' \
\--header 'api-key: xxxxxxx' \
\--header 'api-secret: xxxxxxx' \
\--data {

curl --location 'https://penny-api-restricted-dev.alfredpay.io/api/v1/third-party-service/penny/fiatAccounts' \
--header 'Content-Type: application/json' \
--header 'Content-Type: application/json' \
--header 'api-key: --' \
--header 'api-secret: --' \
--data '{
  "customerId": "fa4a4b2c-935a-4728-aa24-79ff03633027",
  "type": "ACH_BOL",
  "fiatAccountFields": {
    "accountNumber": "2502466367",
    "accountBankCode": "BNB0"
  },
  "isExternal": false
}'

curl --location 'https://penny-api-restricted-dev.alfredpay.io/api/v1/third-party-service/penny/fiatAccounts' \
--header 'Content-Type: application/json' \
--header 'Content-Type: application/json' \
--header 'api-key: alfredpay./MZC/_3fpFzjK7vMGrw0mdjdJhtDWs~C' \
--header 'api-secret: bjXv~V5~yzzic.IX6qLUAr7BmSoZVZY4' \
--data '{
  "customerId": "fa4a4b2c-935a-4728-aa24-79ff03633027",
  "type": "ACH_CHL",
  "fiatAccountFields": {
    "accountNumber": "12312312326",
    "accountType": "CHECKING", 
    "accountBankCode": "0001"
  },
  "isExternal": false
}'

'https://pennyapi-service.alfredpay.app/api/v1/third-party-service/penny/fiatAccounts' \
--header 'Content-Type: application/json' \
--header 'api-key: -' \
--header 'api-secret: -' \
--data '{
  "customerId": "51679014-8a2b-44a5-b92f-401a7e0c94b1",
  "type": "B89",
  "fiatAccountFields": {
    "accountNumber": "215268129205",
    "accountType": "AHORRO",
    "accountName": "CITIBANK"
  },
  "isExternal": false
}'

Response Example

{
    "fiatAccountId": "797466c0-9774-4875-acfd-06adcc16596c",
    "type": "SPEI",
    "accountNumber": "012020477538404708",
    "accountType": "CLABE",
    "bankName": "BBVA MEXICO",
    "createdAt": "2024-12-03T15:48:54.557Z"
}

{
    "fiatAccountId": "9da71221-b063-416b-bf17-9253def968d6",
    "type": "PIX",
    "accountNumber": "[email protected]",
    "accountType": "EMAIL",
    "createdAt": "2024-12-03T18:14:04.835Z"
}

{
    "fiatAccountId": "9da71221-b063-416b-bf17-9253def968d6",
    "type": "COELSA",
    "accountNumber": "1234567890123456789012",
    "accountType": "CBU",
    "createdAt": "2024-12-03T18:14:04.835Z"
}

{
	"fiatAccountId": "64922400-a5c2-4d52-b0fe-c72f5ae99e57",
	"type": "ACH",
	"accountNumber": "3128588509",
	"accountType": "AHORRO",
	"accountName": "BANCAMIA",
	"bankName": "BANCAMIA",
	"createdAt": "2025-02-18T21:41:19.564Z"
}

{
	"fiatAccountId": "2046e7c4-06b1-4669-b1df-1960f64059f7",
	"type": "ACH_DOM",
	"accountNumber": "9608006792",
	"accountType": "CORRIENTE",
	"accountName": "BANCO DE RESERVAS DE LA R.D.",
	"bankName": "BANCO DE RESERVAS DE LA R.D.",
	"createdAt": "2025-06-23T19:58:34.758Z"
}

{
    "fiatAccountId": "f1a1f895-347a-4780-9fee-9e55fa6ead47",
    "type": "BANK_CN",
    "accountNumber": "6222021234567890123",
    "accountType": "ACCOUNT_NUMBER",
    "accountName": "Industrial and Commercial Bank of China",
    "bankName": "Industrial and Commercial Bank of China",
    "createdAt": "2025-07-22T20:42:21.492Z"
}

{
  "customerId": "{{customerId}}",
  "type": "ACH_BOL",
  "fiatAccountFields": {
    "accountNumber": "2502466301",
    "accountBankCode": "BNB0"
  },
  "isExternal": false

{
  "fiatAccountId": "d0028764-cffc-448a-8fb5-7d742174be64",
  "type": "ACH_CHL",
  "accountNumber": "12312312301",
  "accountType": "CHECKING",
  "createdAt": "2025-10-29T18:54:24.336Z",
  "isExternal": false
}

{
    "fiatAccountId": "f5b90577-e88c-4f6d-b4be-7a808bd5ecc8",
    "type": "B89",
    "accountNumber": "215268129205",
    "accountType": "CORRIENTE",
    "accountName": "CITIBANK",
    "bankName": "CITIBANK",
    "createdAt": "2025-10-29T18:37:53.983Z"
}

Register a Third-Party Account

To create a third-party account (used to send funds to an external beneficiary), set isExternal to true.

Request Body

curl --location 'https://penny-api-restricted-dev.alfredpay.io/api/v1/third-party-service/penny/fiatAccounts' \  
\--header 'Content-Type: application/json' \
\--header 'accept: */*' \
\--header 'api-key: xxxxxxx' \
\--header 'api-secret: xxxxxxx' \
\--data {
  "customerId": "21ef567b-d4c5-4bad-b4ce-ce975cc1ac57",
  "type": "SPEI",
  "fiatAccountFields": {
    "accountNumber": "012020477538404708",
    "accountType": "CLABE"
  },
  "isExternal": true
}'

Response Example

{
    "fiatAccountId": "797466c0-9774-4875-acfd-06adcc16596c",
    "type": "SPEI",
    "accountNumber": "012020477538404708",
    "accountType": "CLABE",
    "bankName": "BBVA MEXICO",
    "createdAt": "2024-12-03T15:48:54.557Z"
}

📘
The only difference between a first-party and a third-party account is the presence of the isExternal: true field. If isExternal is not provided, the account will be treated as first-party by default.

alfred allows you to:

Pay a vendor in fiat, even if the original funds are in stablecoins.
Collect fiat from a merchant and deliver stablecoins to a consumer.
Peer-to-peer (P2P) transfers between individuals are supported, subject to applicable limits.

alfred may, at its discretion, request additional information or documentation to support a third-party payment.