Bank transfers & instant payments · Available
SPEI
SPEI is the interbank electronic payment system run by Banco de México since 2004 and the backbone of bank transfers in the country: the checkout shows a CLABE account number and a reference, the payer transfers the amount from any banking app, and the money arrives within seconds at any hour. There are no chargebacks, and the same rail carries payouts and refunds to any Mexican account.
Key facts
- Countries
- Mexico
- Currencies
- MXN
- Operations
- Pay-in · Payout · Refund
- Settlement
- instant
- Chargebacks
- not possible
- share of e-commerce payments · Mexico
- 25 % (Banco de México, 2025)
How a payment goes through
- 1The checkout shows the account details, the amount and a reference
- 2The payer sends the transfer from their banking app
- 3The provider matches the incoming transfer by reference and amount
- 4Webhook to the merchant; unmatched transfers are refunded
How a payment goes through
- The checkout shows the CLABE to pay to, the exact amount and the reference.
- The payer sends a SPEI transfer from their banking app.
- The provider matches the incoming transfer, usually within seconds, and confirms.
- Tranzify writes the result and calls the merchant’s webhook.
SPEI against cards in Mexico
SPEI carries about 25 % of online payments (Banco de México, 2025). It reaches every bank account holder, including the many payers without a credit card, and a transfer cannot be charged back: the payer initiates it in their own bank. The method is live in the catalogue.
| SPEI | Cards | |
|---|---|---|
| Who runs it | Banco de México | Visa and Mastercard through local acquirers |
| Settlement | seconds, 24/7 | T+1 and later |
| Chargebacks | none | scheme rules |
| Payer needs | any Mexican bank account | a card enabled for online payments |
| Payouts | yes, to any CLABE | limited |
Payouts and refunds
Payouts: yes, to any CLABE in pesos, through the same providers. Refunds: yes, full or partial, sent back by SPEI to the payer’s account. Recurring: no, every transfer is initiated by the payer.
Who uses it
E-commerce and retail, iGaming and betting, crypto exchanges and on/off-ramp, forex and CFD brokers, marketplaces and platforms: high-value and high-risk flows that need instant confirmation, no chargebacks and a payout rail to the same account.
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
What is a CLABE?+
Does SPEI work on weekends?+
Who is the licensed party?+
Related methods
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