Cash & vouchers · Available
OXXO Pay
OXXO Pay is cash payment at OXXO, Mexico's largest convenience store chain with more than 20,000 stores: the checkout issues a voucher with a barcode and a reference, the payer hands cash to the cashier before the voucher expires, and the provider confirms once OXXO reports the payment, within a business day. There are no chargebacks, and the payer needs neither a card nor a bank account.
Key facts
- Countries
- Mexico
- Currencies
- MXN
- Operations
- Pay-in
- Settlement
- T+1
- Chargebacks
- not possible
- share of e-commerce payments · Mexico
- 15 % (AMVO, 2025)
How a payment goes through
- 1The checkout issues a voucher or slip with a code
- 2The payer pays it at a bank, shop, kiosk or in an app
- 3The provider confirms the payment, usually within a business day
- 4Webhook to the merchant; expired vouchers are cancelled
How a payment goes through
- The checkout issues an OXXO voucher with the amount, the barcode, the reference and the expiry date.
- The payer takes it to any OXXO store and pays in cash at the counter.
- OXXO reports the payment; the provider confirms within a business day.
- Tranzify writes the result and calls the merchant’s webhook.
OXXO against SPEI and cards
OXXO Pay holds about 15 % of online payments in Mexico (AMVO, 2025): it is the way to reach the payers who are paid in cash and keep no bank account, and the stores are open long hours in every neighbourhood. The method is live in the catalogue.
| OXXO Pay | SPEI | Cards | |
|---|---|---|---|
| Payer needs | cash and the voucher | a bank account | a card enabled online |
| Confirmation | within a business day | seconds | seconds |
| Chargebacks | none | none | scheme rules |
| Limit | 10,000 pesos per voucher | set by the bank | per card |
| Payouts and refunds | not in the flow | yes | scheme refunds |
Who uses it
E-commerce and retail, education, digital goods and gaming, travel and mobility: orders with a few days to pay, tuition and bookings, and any shop whose buyers hold cash rather than cards.
How to connect
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Providers offering this method
Industries
Terms
Frequently asked questions
How fast is an OXXO payment confirmed?+
Is there a limit per voucher?+
Are refunds possible?+
Related methods
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