Bank transfers & instant payments · Latin America · Available
SPEI in Mexico
SPEI accounts for 25 % of e-commerce payments in Mexico (Banco de México, 2025). Payments are made in MXN; the method supports pay-in, payout, refund; settlement: instant; chargebacks: not possible. The payments regulator in Mexico is Banco de México; Comisión Nacional Bancaria y de Valores (CNBV). Providers for SPEI in Mexico in the Tranzify catalogue: Conekta, dLocal, EBANX, Openpay.
Key facts
- share of e-commerce payments · Mexico
- 25 % (Banco de México, 2025)
- Currency
- MXN (Mexican peso)
- Operations
- Pay-in · Payout · Refund
- Settlement
- instant
- Chargebacks
- not possible
- Payments regulator
- Banco de México; Comisión Nacional Bancaria y de Valores (CNBV)
Providers for SPEI in Mexico
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
Other payment methods in Mexico
| Type | Payment methods | share of e-commerce payments |
|---|---|---|
| Cash & vouchers | OXXO Pay | 15 % |
| Cards | Visa | — |
| Cards | Mastercard | — |
| Wallets | Mercado Pago | — |
| Wallets | Apple Pay | — |
| Wallets | Google Pay | — |
| Wallets | PayPal | — |
Frequently asked questions
Which providers offer SPEI in Mexico?+
In the Tranzify catalogue SPEI in Mexico is offered by Conekta, dLocal, EBANX, Openpay. A client connects its own account with the provider as a terminal; routing and cascading between several providers are set up in the back office.
How widely is SPEI used in Mexico?+
According to Banco de México, 2025, SPEI has a share of 25 % of e-commerce payments in Mexico.
Which operations does SPEI support in Mexico?+
SPEI supports pay-in, payout, refund. Settlement is instant and chargebacks are not possible; the amounts are in MXN.
Who holds the licence for SPEI in Mexico?+
Tranzify is software. The licensed client, a payment institution, an acquirer or its partner, contracts with the providers and the merchants; the platform routes the payments, records them in the journal and reports them. The payments regulator in Mexico is Banco de México; Comisión Nacional Bancaria y de Valores (CNBV).
See the platform on your own flows
Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.
- ✓ Not a financial institution
- ✓ Money never passes through us
- ✓ Built to PCI DSS requirements