{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-@l10n/es/products/payments_mexico/sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":["admonition","tabs","tab"]},"type":"markdown"},"seo":{"title":"Registro y Seguimiento de Portafolios de Préstamos","description":"Belvo provides open finance products for Latin America that allow you to securely access and aggregate financial data as well as accept and issue bank-to-bank payments","siteUrl":"https://developers.belvo.com/","llmstxt":{"hide":false,"sections":[{"title":"Table of contents","includeFiles":["**/*"],"excludeFiles":[]}],"excludeFiles":[]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"registro-y-seguimiento-de-portafolios-de-préstamos","__idx":0},"children":["Registro y Seguimiento de Portafolios de Préstamos"]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"warning","name":"Disponibilidad de la función"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["La API de Préstamos solo está disponible para comerciantes con la función de ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Cobros Gestionados"]}," habilitada en su cuenta. Si recibes una respuesta ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["403 Forbidden"]},", contacta a tu gerente de cuenta de Belvo para habilitar Cobros Gestionados."]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["La API de Préstamos de Belvo te permite registrar instantáneas de portafolios de préstamos para clientes con débito directo. Cada instantánea es tanto un registro del estado actual de tu préstamo ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["como"]}," una instrucción de cobro — tan pronto como envíes un POST de una instantánea, Belvo intenta automáticamente un cobro por débito directo para ese cliente el mismo día (o el siguiente día hábil), de acuerdo con tu acuerdo de Cobros Gestionados."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["El flujo general es:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["POST de una instantánea de préstamo"]}," — proporciona el estado actual del préstamo, incluyendo el ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["defaultDate"]}," (la fecha en que el préstamo se volvió moroso)."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Belvo cobra inmediatamente"]}," — no se requiere ninguna acción adicional de tu parte. Belvo activa el débito directo el mismo día de tu solicitud (o el siguiente día hábil)."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Recibe un webhook"]}," — Belvo te notifica el resultado del cobro."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["POST de una nueva instantánea"]}," — cada vez que desees que Belvo intente otro cobro, envía una nueva instantánea."]}]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"sequenceDiagram\n    participant App as Tu Aplicación\n    participant Belvo as Belvo\n\n    Note over App,Belvo: 1. Registra una instantánea de préstamo (primera vez para un cliente)\n    App->>Belvo: POST /loans\n    Note over Belvo: Crea préstamo + primera instantánea internamente\n    Belvo-->>App: 201 Created + snapshotId\n\n    Note over App,Belvo: 2. 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x=\"50\" y=\"75\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"481\" height=\"42\" class=\"note\"></rect><text x=\"291\" y=\"80\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"291\">1. Registra una instantánea de préstamo (primera vez para un cliente)</tspan></text></g><g data-et=\"note\" data-id=\"i2\"><rect x=\"303.5\" y=\"181\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"405\" height=\"42\" class=\"note\"></rect><text x=\"506\" y=\"186\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"506\">Crea préstamo + primera instantánea internamente</tspan></text></g><g data-et=\"note\" data-id=\"i4\"><rect x=\"50\" y=\"287\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"481\" height=\"42\" class=\"note\"></rect><text x=\"291\" y=\"292\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"291\">2. Registra una instantánea subsecuente</tspan></text></g><g data-et=\"note\" data-id=\"i6\"><rect x=\"343.5\" y=\"393\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"325\" height=\"42\" class=\"note\"></rect><text x=\"506\" y=\"398\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"506\">Añade instantánea al préstamo existente</tspan></text></g><g data-et=\"note\" data-id=\"i8\"><rect x=\"50\" y=\"499\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"481\" height=\"42\" class=\"note\"></rect><text x=\"291\" y=\"504\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"291\">3. Belvo cobra automáticamente (mismo día o siguiente día hábil)</tspan></text></g><g data-et=\"note\" data-id=\"i9\"><rect x=\"350.5\" y=\"551\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"311\" height=\"42\" class=\"note\"></rect><text x=\"506\" y=\"556\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"506\">Belvo activa el cobro por débito directo</tspan></text></g><g data-et=\"note\" data-id=\"i11\"><rect x=\"50\" y=\"657\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"481\" height=\"42\" class=\"note\"></rect><text x=\"291\" y=\"662\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"291\">4. Revisa el historial de préstamos</tspan></text></g><text x=\"289\" y=\"132\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">POST /loans</text><line x1=\"76\" y1=\"171\" x2=\"502\" y2=\"171\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"App\" data-to=\"Belvo\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-cd5bebe1148bb7a0d116092470b18fb33107c2c9dd0fd062b7baa3aa961abe4c-arrowhead)\" style=\"fill: none;\"></line><text x=\"292\" y=\"238\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">201 Created + snapshotId</text><line x1=\"505\" y1=\"277\" x2=\"79\" y2=\"277\" class=\"messageLine1\" data-et=\"message\" data-id=\"i3\" data-from=\"Belvo\" data-to=\"App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-cd5bebe1148bb7a0d116092470b18fb33107c2c9dd0fd062b7baa3aa961abe4c-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"289\" y=\"344\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">POST /loans</text><line x1=\"76\" y1=\"383\" x2=\"502\" y2=\"383\" class=\"messageLine0\" data-et=\"message\" data-id=\"i5\" data-from=\"App\" data-to=\"Belvo\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-cd5bebe1148bb7a0d116092470b18fb33107c2c9dd0fd062b7baa3aa961abe4c-arrowhead)\" style=\"fill: none;\"></line><text x=\"292\" y=\"450\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">201 Created + snapshotId</text><line x1=\"505\" y1=\"489\" x2=\"79\" y2=\"489\" class=\"messageLine1\" data-et=\"message\" data-id=\"i7\" data-from=\"Belvo\" data-to=\"App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-cd5bebe1148bb7a0d116092470b18fb33107c2c9dd0fd062b7baa3aa961abe4c-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"292\" y=\"608\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">WEBHOOK resultado del cobro</text><line x1=\"505\" y1=\"647\" x2=\"79\" y2=\"647\" class=\"messageLine1\" data-et=\"message\" data-id=\"i10\" data-from=\"Belvo\" data-to=\"App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-cd5bebe1148bb7a0d116092470b18fb33107c2c9dd0fd062b7baa3aa961abe4c-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"289\" y=\"714\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">GET /loans?merchant_customer_id=CUST001234</text><line x1=\"76\" y1=\"753\" x2=\"502\" y2=\"753\" class=\"messageLine0\" data-et=\"message\" data-id=\"i12\" data-from=\"App\" data-to=\"Belvo\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-cd5bebe1148bb7a0d116092470b18fb33107c2c9dd0fd062b7baa3aa961abe4c-arrowhead)\" style=\"fill: none;\"></line><text x=\"292\" y=\"768\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">200 OK + lista de instantáneas</text><line x1=\"505\" y1=\"807\" x2=\"79\" y2=\"807\" class=\"messageLine1\" data-et=\"message\" data-id=\"i13\" data-from=\"Belvo\" data-to=\"App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-cd5bebe1148bb7a0d116092470b18fb33107c2c9dd0fd062b7baa3aa961abe4c-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line></svg>","diagramHtmlDark":"<svg id=\"diagram-62bedcbbb3fce418ccf53413de694ecc53f6ce1e5b2c28c4f5c65f0ca4a40f4d\" width=\"100%\" xmlns=\"http://www.w3.org/2000/svg\" style=\"max-width: 808.5px;\" viewBox=\"-50 -10 808.5 913\" role=\"graphics-document document\" aria-roledescription=\"sequence\"><g><rect x=\"431\" y=\"827\" fill=\"#eaeaea\" stroke=\"#666\" width=\"150\" height=\"65\" name=\"Belvo\" rx=\"3\" ry=\"3\" class=\"actor actor-bottom\"></rect><text x=\"506\" y=\"859.5\" dominant-baseline=\"central\" alignment-baseline=\"central\" class=\"actor actor-box\" style=\"text-anchor: middle; font-size: 16px; font-weight: 400; font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif;\"><tspan x=\"506\" 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Registra una instantánea de préstamo (primera vez para un cliente)</tspan></text></g><g data-et=\"note\" data-id=\"i2\"><rect x=\"303.5\" y=\"181\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"405\" height=\"42\" class=\"note\"></rect><text x=\"506\" y=\"186\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"506\">Crea préstamo + primera instantánea internamente</tspan></text></g><g data-et=\"note\" data-id=\"i4\"><rect x=\"50\" y=\"287\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"481\" height=\"42\" class=\"note\"></rect><text x=\"291\" y=\"292\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"291\">2. Registra una instantánea subsecuente</tspan></text></g><g data-et=\"note\" data-id=\"i6\"><rect x=\"343.5\" y=\"393\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"325\" height=\"42\" class=\"note\"></rect><text x=\"506\" y=\"398\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"506\">Añade instantánea al préstamo existente</tspan></text></g><g data-et=\"note\" data-id=\"i8\"><rect x=\"50\" y=\"499\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"481\" height=\"42\" class=\"note\"></rect><text x=\"291\" y=\"504\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"291\">3. Belvo cobra automáticamente (mismo día o siguiente día hábil)</tspan></text></g><g data-et=\"note\" data-id=\"i9\"><rect x=\"350.5\" y=\"551\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"311\" height=\"42\" class=\"note\"></rect><text x=\"506\" y=\"556\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"506\">Belvo activa el cobro por débito directo</tspan></text></g><g data-et=\"note\" data-id=\"i11\"><rect x=\"50\" y=\"657\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"481\" height=\"42\" class=\"note\"></rect><text x=\"291\" y=\"662\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"291\">4. 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Registra una instantánea de préstamo (primera vez para un cliente)\n    App->>Belvo: POST /loans\n    Note over Belvo: Crea préstamo + primera instantánea internamente\n    Belvo-->>App: 201 Created + snapshotId\n\n    Note over App,Belvo: 2. Registra una instantánea subsecuente\n    App->>Belvo: POST /loans\n    Note over Belvo: Añade instantánea al préstamo existente\n    Belvo-->>App: 201 Created + snapshotId\n\n    Note over App,Belvo: 3. Belvo cobra automáticamente (mismo día o siguiente día hábil)\n    Note over Belvo: Belvo activa el cobro por débito directo\n    Belvo-->>App: WEBHOOK resultado del cobro\n\n    Note over App,Belvo: 4. Revisa el historial de préstamos\n    App->>Belvo: GET /loans?merchant_customer_id=CUST001234\n    Belvo-->>App: 200 OK + lista de instantáneas\n"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"prerrequisitos","__idx":1},"children":["Prerrequisitos"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Antes de comenzar, asegúrate de:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"a","attributes":{"href":"/es/products/payments_mexico/direct-debit-authentication-and-environments#api-keys-and-authentication","target":"_blank"},"children":["Generar tus claves API."]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"a","attributes":{"href":"/es/developer_resources/resources-webhooks-payments-mexico","target":"_blank"},"children":["Configurar un webhook para escuchar eventos."]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Tener un cliente y un método de pago existentes creados. Consulta ",{"$$mdtype":"Tag","name":"a","attributes":{"href":"/es/products/payments_mexico/direct-debit-direct-api-setup","target":"_blank"},"children":["Pagos por Débito Directo vía API"]}," para obtener instrucciones de configuración."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"cómo-funcionan-las-instantáneas-de-préstamos","__idx":2},"children":["Cómo funcionan las instantáneas de préstamos"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Cada vez que realizas una solicitud ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["POST /loans"]},", Belvo crea una ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["instantánea de préstamo"]}," — un registro del estado actual del préstamo en un momento específico. 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