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Mexico · Pay-ins & payouts

SPEI, CLABE and cards in Mexico

Collect with CLABE virtual accounts over SPEI, USD accounts over SPID and Visa and Mastercard cards, and pay out over SPEI in real time, 24/7.

Contact salesMexico API docs
  • SPEI · real-time rail
  • Currencies: MXN · USD
  • Registered
Real-time, 24/7
SPEI
Virtual accounts
CLABE
3D Secure, installments and subscriptions
Cards
Federal tax payments
SAT

Market snapshot

Mexico in figures

Public, dated figures from official sources. Every number links to its source.

Market overview

SPEI at the core

In Mexico, Localpayment collects in pesos (MXN) through CLABE virtual accounts over SPEI and TEF, in US dollars through SPID accounts and with a full card stack; it pays out over SPEI and pays SAT tax references. Localpayment is a Money Transmitter registered with the National Banking and Securities Commission (CNBV). Currency conversion runs 08:00–15:30 local time.

  • CLABE virtual accounts over SPEI, confirmed in real time
  • USD collections over SPID, up to USD 10,000,000
  • Visa and Mastercard credit and debit cards with 3D Secure, installments and subscriptions
  • SPEI payouts in real time, 24/7, with no maximum amount
Compare all payment methods

Checkout experience

How customers pay in Mexico

Pick a payment method to watch the checkout, step by step. Screens and amounts are illustrative.

Virtual account (CLABE, SPEI)

  1. 1Comercio EjemploCheckout shows the account details to pay MX$5,000.
  2. 2Banco EjemploThe payer transfers MX$5,000 to the account shown.
  3. 3Payment confirmedYour system receives the signed webhook and releases the order.

Pay-ins

Pay-in methods in Mexico

Every documented method, with its API code, limits and how each payment is confirmed.

  • Virtual account (CLABE, SPEI)

    Type
    Virtual account
    Code
    1630
    Limits
    MXN 1 – 1,000,000,000
    Confirmation
    Real-time, confirmed by webhook
    Notes
    A unique CLABE per customer, order or invoice

  • Virtual account (TEF-In)

    Type
    Virtual account
    Code
    1680
    Limits
    MXN 1 – 1,000,000,000
    Confirmation
    Asynchronous, confirmed by webhook
    Notes
    —

  • Virtual account (SPID, USD)

    Type
    Virtual account
    Code
    1698
    Limits
    USD 1 – 10,000,000
    Confirmation
    Asynchronous, confirmed by webhook
    Notes
    USD collections over SPID from company payers, banking business days 14:00–23:00 GMT

  • Credit cards

    Type
    Card
    Code
    Visa 1600 · Mastercard 1601
    Limits
    MXN 10 – 300,000
    Confirmation
    Real-time authorization
    Notes
    3D Secure, installments, tokenization, refunds and chargebacks

  • Debit cards

    Type
    Card
    Code
    Visa 1603 · Mastercard 1604
    Limits
    MXN 10 – 300,000
    Confirmation
    Real-time authorization
    Notes
    —

  • Card subscriptions

    Type
    Subscription
    Code
    —
    Limits
    —
    Confirmation
    Real-time authorization
    Notes
    Scheduled (plan-based) and on-demand charges, with retries

Codes are the paymentMethod.code values in the API. Limits as documented at docs.localpayment.com; final availability depends on your agreement.

Payouts

Payout rails in Mexico

Every documented rail, with speed, cut-off and limits.

  • Bank transfer (SPEI)

    Type
    Bank transfer
    Code
    0130
    Speed / cut-off
    Real-time, 24/7
    Limits
    Min. MXN 0.01, no maximum
    Notes
    —

  • BillPay (tax payments)

    Type
    Tax & bill payment
    Code
    0119
    Speed / cut-off
    Per biller
    Limits
    —
    Notes
    SAT payment references (federal taxes)

  • Wallets

    Type
    Wallet
    Code
    —
    Speed / cut-off
    Via bank transfer
    Limits
    —
    Notes
    Credited to the beneficiary’s wallet through a bank transfer

Codes are the paymentMethod.code values in the API. Limits as documented at docs.localpayment.com; final availability depends on your agreement.

License & regulation

Mexico: registered presence

Money Transmitter — National Banking and Securities Commission (CNBV). Before go-live, every merchant completes a compliance review (due diligence or enhanced due diligence) and business verification (KYB).

  • Status: Registered
  • Production credentials after Stage testing, a security review and KYB
  • Accepted documents: RFC, CURP
  • TLS 1.2+, AES-256 encryption at rest, MFA and HMAC-signed webhooks
See all licenses

For developers

Send your first payout in Mexico

Get an access token with POST /api/token/, then call POST /api/payout/ with the rail code and the ISO-3 country code. Test it in Stage first: no real money moves.

  • Country MEX · currency MXN
  • Rail: Bank transfer (SPEI) · code 0130
  • Final status by HMAC-signed webhook
Mexico guide in the docs
# Illustrative request with simplified fields — see the Mexico page at docs.localpayment.com
# ACCESS_TOKEN comes from POST /api/token/ and is valid for 5 minutes
curl -X POST https://api.stage.localpayment.com/api/payout/ \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "externalId": "payout-mx-000184",
    "country": "MEX",
    "currency": "MXN",
    "amount": 5000,
    "paymentMethod": {
      "type": "BankTransfer",
      "code": "0130",
      "flow": "DIRECT"
    },
    "accountNumber": "<your-account-number>",
    "conceptCode": "0001",
    "beneficiary": {
      "type": "INDIVIDUAL",
      "name": "Ana",
      "lastname": "Torres",
      "document": { "type": "RFC", "id": "XAXX010101000" },
      "bank": {
        "account": { "number": "<beneficiary-account-number>" }
      }
    }
  }'

Nearby markets

Keep expanding across the region

Same API, same Business Portal: a new market is a configuration, not a new integration.

Frequently asked questions

Which methods are available in Mexico?

Pay-ins: Virtual account (CLABE, SPEI), Virtual account (TEF-In), Virtual account (SPID, USD), Credit cards, Debit cards and Card subscriptions. Payouts: Bank transfer (SPEI), BillPay (tax payments) and Wallets. The tables above show codes, limits and speeds.

Can I receive USD in Mexico?

Yes, with SPID virtual accounts, up to USD 10,000,000 per payment.

Which cards can I accept in Mexico?

Visa and Mastercard, credit (codes 1600 and 1601) and debit (1603 and 1604), from MXN 10 to 300,000, with 3D Secure, installments, tokenization and subscriptions.

How fast are SPEI payouts?

Real-time, 24/7, with no maximum amount.

How do I go live in Mexico?

Talk to sales about your flows. After the agreement and a compliance review (due diligence or enhanced due diligence), you receive Stage (sandbox) credentials to integrate without moving real money. Production credentials follow Stage testing, a security review and business verification (KYB), so you can go live in weeks.

Related products

Launch in Mexico

Get Stage (sandbox) credentials when the partnership starts and go live in weeks. Adding countries later is a configuration, not a reintegration.

Contact salesGo to our docs

How can we help?

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