🚧 Named Accounts is a gated feature. It must be enabled by Cobre before it appears in the Portal. Contact your Key Account Manager to request access.
Surface merchant identity in SPEI transactions, directly from the Portal#
Named Accounts let clients operating in Mexico surface their merchants' identities in SPEI transaction records, without requiring each merchant to complete a full individual KYB process with Cobre.This guide walks through the Portal flow: registering a merchant as a Subclient, waiting for approval, and creating a Named Account linked to that Subclient.
Register the subclient — Enter the company's data, along with its legal representatives' and the ultimate beneficial owners' (UBOs) data.. This data will pass through a screening process.
2.
Assign accounts — Once the subclient passes the screening process successfully, you can create associated Cobre Balances (CLABE-backed Cobre Balances) to manage their resources independently.
3.
Manage movements — Make and receive SPEI transfers and other movements on behalf of the subclient from this platform.
All movements are recorded in your history and can be consulted at any time.
Identifier — This value becomes the merchant-name portion of the SPEI display name ({Your Acronym} {Identifier}).
Document type and Document number (e.g. RFC)
Email, Phone, Website
Industry
Incorporation date and Country of incorporation
Address — Street, City, State/Province, Postal code, Country
Click Continue.
⚠️ SPEI enforces a 40-character limit on the combined {Your Acronym} {Identifier} string. Keep the Identifier short and recognizable — if the combined name exceeds this limit, the account may fail to register at the provider level
Register the company's legal representative(s) — up to 20:For each representative: First name(s), Last name, Document type, Document number, Date of birth, and Nationality (you can add more than one nationality per person). Use Add representative for additional entries.Click Continue.
Register every ultimate beneficial owner who directly or indirectly owns 25% or more of the company — up to 4:Same fields as the Representatives step: First name(s), Last name, Document type, Document number, Date of birth, Nationality. Use Add beneficiary for additional entries.Click Continue.
Review everything before submitting:Each section (Company, Legal Representative, UBOs) has an Edit shortcut to fix anything before submitting. When ready, click Create subclient.
The Subclient moves to either Enabled or Rejected. Failed in exceptional cases where a technical error occurs.
You can track this from the Subclients list (Step 1).
⚠️ A Rejected Subclient cannot be resubmitted — you'll need to create a new Subclient record with corrected information. A Subclient that's already Enabled may also (rarely) become rejected later due to a post-approval compliance review; if that happens, Cobre will notify you, and existing accounts linked to it are not automatically affected. Reach out to your KAM for guidance in that case.
A Subclient only needs to be registered once — once Enabled, it can be reused across multiple Named Accounts.
Back in the Accounts list, the new Named Account appears with a small building icon next to its alias, identifying it as subclient-linked:Open the account to see the full detail view, which surfaces the linked Subclient:Here you'll find:
The account's CLABE
Subclient — the linked merchant's business name
Transactions and Virtual Clabes tabs (Same as for regular accounts)
You can also review activity from the Subclient's own detail page. Go back to Subclients, and click into a specific record:This view shows Transactions and Accounts tabs scoped to that Subclient — useful if a single merchant has more than one Named Account linked to them.
Subclient: A merchant identity record (Your client) created through the 4-step Portal wizard (Company, Representatives, Beneficiaries, Summary). Must be Enabled before it can be linked to an account.
Named Account: A standard Cobre Balance account created with Mark as subclient account enabled and linked to an approved Subclient. Currently only supported under the Tesored institution.
Registration ID: The Subclient's unique identifier, shown as sc_... in the Subclients list and detail page.
Named Accounts must be enabled for your organization by Cobre before the linking option appears in the account creation flow.
Mark as subclient account is only available when the Finance Institution is Cobre Balance | Tesored.
A Subclient can be reused across multiple Named Accounts once approved.
A Rejected Subclient cannot be resubmitted — create a new one.
The SPEI display name format is {Your Acronym} | {Subclient name}. Your Acronym must be configured by Cobre — define a short one (4–5 characters is recommended to help stay under the 40-character combined limit — see Step 2.1) and ask your KAM to set it up. Subclient name comes from the Identifier field set when creating the Subclient (Step 2.1).
If a Subclient shows Failed status, this points to a technical error during processing rather than a compliance decision. Try creating the Subclient again. If the error persists, contact your KAM.
Can I link the same Subclient to more than one account? Yes. Once a Subclient is Enabled, it can be reused across multiple Named Accounts.What happens if my Subclient is Rejected? You can't resubmit it. Check the reason of the rejection with your KAM and create a new Subclient record with corrected information.Can I create a Named Account under any institution? No. Mark as subclient account is currently only supported under Cobre Balance | Tesored.Do Named Accounts support the same features as regular Cobre Balance accounts? Yes — pay-ins, pay-outs, Virtual CLABEs, and R2P SPEI all work the same way once the account is created. Therefore the same limitations apply: maximum number of Cobre balances and virtual CLABES, etc.
