Coverage
๐ฒ๐ฝ Payments in Mexico
Every payment method and gateway Orchestrapay has integrated for Mexico.
Sources: Banxico and provider disclosures, 2024โ2025.
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
Digital wallets
Express checkout
Gateways
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.