Coverage

๐Ÿ‡ฒ๐Ÿ‡ฝ Payments in Mexico

Every payment method and gateway Orchestrapay has integrated for Mexico.

11 payment methods21 gateways
~130M
population; Latin America's #2 e-commerce market
OXXO
cash-voucher checkout bridges the unbanked
SPEI
instant bank transfers, ubiquitous
Cash-heavy
a large share still pays cash

Sources: Banxico and provider disclosures, 2024โ€“2025.

How Mexico pays

Mexico is two markets in one. Cards (Visa, Mastercard, Carnet) and wallets serve the banked, urban shopper, while a large share of the population pays in cash โ€” and the bridge to online is OXXO, where customers complete an e-commerce order by paying cash at a convenience store against a voucher. On the bank side, SPEI powers instant transfers and CoDi/DiMo add QR and request-to-pay, with Mercado Pago a dominant wallet. A checkout that ignores OXXO and SPEI leaves a huge slice of Mexican demand unaddressed.

We cover that breadth: cards plus the local rails โ€” OXXO cash vouchers and SPEI bank transfers โ€” through local acquiring, so you reach banked and unbanked shoppers alike. The peso settles into your base currency with FX handled, Banxico's fintech-law regime and Spanish-language checkout are part of the local surface our partners carry, and routing with retries lifts approvals on a market where declines run high.

Why merchants run on us here

OXXO cash vouchers

Reach cash-paying shoppers via OXXO โ€” pay-at-store for online orders โ€” not just cardholders.

SPEI bank transfers

Instant account-to-account via SPEI, the rail banked Mexicans use every day.

Cards, optimized

Visa, Mastercard and Carnet with routing and retries to lift approvals in a high-decline market.

Peso settlement & FX

Collect in MXN and settle in your base currency, with Banxico fintech-law compliance handled by local partners.

Payment methods

Cards

Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPay

Digital wallets

PayPal

Express checkout

Apple Pay
Google Pay
Link

Gateways

PayPal
Stripe
Stripe (Enterprise)
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Airwallex
Braintree
CommerceHub
Conekta
DLocal
Fiserve
Ebanx
NMI
Nuvei
Orbital
PayPal Commerce

Built for enterprise

Everything it takes to run payments in Mexico

Local payment methods are only half the job. We carry the operational weight โ€” acquiring, settlement, FX, licensing and reconciliation โ€” so you can treat Mexico like any other market in your stack.

One integration, every local method

Connect once and reach every card scheme, wallet, bank rail and installment provider in Mexico through a single API โ€” no separate contract or integration per provider.

Local acquiring, higher approvals

We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.

Settlement, FX & repatriation

Collect in the peso (MXN) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country โ€” the part most global merchants underestimate.

Licensing handled locally

Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.

Payouts & reconciliation

Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow โ€” pay-in, payout, refund โ€” in one ledger, in local or base currency.

Fraud, disputes & compliance

Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations โ€” built in, not bolted on.

Ready to launch in Mexico?

Talk to our payments team about going live in Mexico โ€” coverage, local acquiring, settlement and timelines for your business.