How to use RFC onboarding API in a fintech flow?
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Answers
Answer
Response times on good providers are under 500ms. Always log the raw API response with a timestamp for CNBV audits — you'll need to show the verification was done at account creation.
Answer
For async flow, trigger RFC validation on form submit, store a pending_verification status, then update to verified/rejected via webhook. Keeps UX smooth without blocking signup.
We're launching a digital wallet in Mexico and want to embed RFC onboarding API checks right at the account creation step. The idea is: user enters their RFC, we validate it on the spot and show them the registered name we found — building trust and catching typos early.
Questions I'm trying to answer before picking a provider: How fast are typical response times? Can we do async validation (show form, validate in background, block account activation if RFC invalid)? What HTTP status / error codes do these APIs return for invalid vs not-found vs server-error scenarios?
Also — any CNBV compliance angle I should be aware of when using RFC data in an onboarding flow? We want to make sure we're logging the verification result properly for audit purposes.