Guides
GuidesAPI ReferenceRoadmapGo to DashboardSite >

Mexico

Learn more about currency, payment methods, processing times, and other essential details for operating in Mexico with Localpayment. This guide provides a comprehensive overview of everything you need to know to integrate and optimize your payment processing in this market.

Country Overview

Essential information about Mexico:

Country Code (2 digits)Country Code (3 digits)Currency CodeNumber of decimals
MXMEXMXN2

Payins

Accept payments from your customers through these available channels:

Virtual Accounts

Generate unique account numbers to receive and track customer payments.

Cards

Accept major credit and debit card payments with support for installments and subscriptions.

Testing & Simulation

Learn how to trigger mock payments in Stage using the simulation endpoint.

⚠️

Important

All processing times for payins are expressed in GMT. Please consider this time zone when reviewing processing availability and cutoff times.

Virtual Accounts

Payment Method NamePayment Method CodeFlowCurrencyMin Amount (MXN)Max Amount (MXN)Payment ConfirmationCategoryWorking Hours (GMT)Execution Notification TimeCut-off Time (Local)Cut-off Time (GMT)Logo
SPEI-In1630DIRECTMXN1.001000000000.00AsynchronousPush24 hReal Time--https://cdn.localpayment.com/logos/SPEI.png
TEF-In1680DIRECTMXN1.001000000000.00AsynchronousPush24 hReal Time--https://cdn.localpayment.com/logos/TEF_MX.jpg
SPID-In1698DIRECTUSD1.0010,000,000.00AsynchronousPush2:00 PM - 11:00PMReal Time--https://cdn.localpayment.com/logos/SPID.png

Cards

Credit Card

Payment Method NamePayment Method CodeFlowCurrencyMin Amount (MXN)Max Amount (MXN)Payment ConfirmationCategoryWorking Hours (GMT)Execution Notification TimeLogo
Visa1600DIRECTMXN10.00300000.00SynchronousPull24 hReal Timehttps://cdn.localpayment.com/logos/visa.png
Mastercard1601DIRECTMXN10.00300000.00SynchronousPull24 hReal Timehttps://cdn.localpayment.com/logos/mastercard.jpg
American Express1605DIRECTMXN10.00300000.00SynchronousPull24 hReal Timehttps://cdn.localpayment.com/logos/american%20express.jpg
Carnet1649DIRECTMXN1.00300000.00SynchronousPull24 hReal Time

Debit Card

Payment Method NamePayment Method CodeFlowCurrencyMin Amount (MXN)Max Amount (MXN)Payment ConfirmationCategoryWorking Hours (GMT)Execution Notification TimeLogo
Visa1603DIRECTMXN10.00300000.00SynchronousPull24 hReal Timehttps://cdn.localpayment.com/logos/visa-debit.png
Mastercard1604DIRECTMXN10.00300000.00SynchronousPull24 hReal Timehttps://cdn.localpayment.com/logos/mastercard-debit.jpg
Carnet1651DIRECTMXN1.00300000.00SynchronousPush24 hReal Time

Payouts

Send funds efficiently to your recipients:

Bank Transfers

Send money to any bank account through the interbanking system.

Wallets

Transfer funds directly to digital wallets.

Tax, Bill and Service Payments

Disburse statutory tax, bill, and service payments on behalf of your customers.

Bank Transfer Payouts

CodePayment TypeNetwork NameCurrencySettlement TimeCut-off Time (Local)Cut-off Time (GMT)Minimum AmountMaximum Amount
0130Bank TransferSPEIMXNReal TimeN/A — 24/7, availability includes weekends & public holidays.N/A — 24/7, availability includes weekends & public holidays.0.01 MXNNo maximum limit.

Wallet Payouts

📘

Mexico Wallet Payouts

In Mexico, the wallet payout infrastructure is built on bank transfer rails. Initiating a payout sends a bank transfer, which is automatically settled into the recipient's designated digital wallet.

Tax, Bill and Service Payments

CodePayment TypeNetwork NameCurrencySettlement TimeCut-off Time (Local)Cut-off Time (GMT)Minimum AmountMaximum Amount
0119BillPaySAT (payment reference)MXNVaries by biller.N/AN/A0.01 MXNNo maximum limit.

Bank Account Information

Account Type Reference

The following account types are supported:

CodeAccount TypeDescription
CChecking AccountStandard transactional account for daily banking operations.
SSaving AccountInterest-bearing savings account for funds accumulation.
DDebit Card AccountAccount linked directly to a debit card.
PPhone Number AccountAccount identified by phone number (mobile money/digital wallets).

Bank Codes

⚠️

Important

Some institutions marked as "NOT CONNECTED" don't participate in the SWIFT network but can still receive local transfers.

CodeTypeNameSwiftAccount TypeChecking RegexSaving RegexConnected to SPID
001BankBANXICO (BANCO DE MEXICO)NOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
002BankBANAMEX (BANCO NACIONAL DE MÉXICO)BNMXMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
006BankBANCOMEXT (BANCO NACIONAL DE COMERCIO EXTERIOR)BNCEMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
009BankBANOBRAS (BANCO NACIONAL DE OBRAS Y SERVICIOS PÚBLICOS)NOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
012BankBBVA MEXICO (EX BANCOMER)BCMRMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
014BankSANTANDER (BANCO SANTANDER MEXICO)BMSXMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
019BankBANJERCITO (BANCO NACIONAL DEL EJÉRCITO)EJERMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
021BankHSBC MÉXICOBIMEMXMMCLSC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
030BankBANBAJIO (BANCO DEL BAJÍO)BJIOMXMLC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
036BankINBURSA (BANCO INBURSA)INBUMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
042BankBANCA MIFELMIFEMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
044BankSCOTIABANK INVERLATMBCOMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
058BankBANREGIO (BANCO REGIONAL DE MONTERREY)RGIOMXMTC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
059BankINVEX (BANCO INVEX)INXXMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
060BankBANSISNABMXM1C, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
062BankAFIRME (BANCA AFIRME)AFIRMXMTC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
072BankBANORTE (BANCO MERCANTIL DEL NORTE)MENOMXMTC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
106BankBANK OF AMERICA MÉXICOBOFAMXMXC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
108BankMUFG (BANK OF TOKYO-MITSUBISHI UFJ MEX)BOTKMXMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
110BankJ.P. MORGAN (BANCO J.P. MORGAN)CHASMXMXC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
112BankMONEX (BANCO MONEX)MONXMXM1TFIC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
113BankBANCO VE POR MASCBAKMXM1C, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
124BankCITI MEXICO (EX DEUTSCHE BANK MÉXICO)DEUTMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
128BankAUTOFIN (BANCO AUTOFIN MÉXICO)AUMCMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
129BankBARCLAYS BANK MÉXICOBARCMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
130BankCOMPARTAMOS (BANCO COMPARTAMOS)NOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
132BankMULTIVA (BANCO MULTIVA)MIMMMXMXC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
133BankACTINVER (BANCO ACTINVER)ACIOMXMMBRAC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
135BankNACIONAL FINANCIERANFSAMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
137BankBANCOPPELBNNMMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
138WalletUALANOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
140BankCONSUBANCONOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
141BankVOLKSWAGEN BANKVWAGMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
145BankBANCO BASEBBSEMXMXC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
147BankBANKAOOLBKOLMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
148WalletPAGATODONOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
150BankINMOBILIARIOBINMGTGCC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
151BankDONDENOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
152BankBANCREABIBPMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
154BankBANCO COBALTO (EX BANCO FINTERRA)NOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
155BankICBCICBKMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
156BankBANCO DE SABADELLBSABMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
157BankSHINHAN BANK MEXICOSHBKMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
158BankMIZUHO BANKMHBMMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
159BankBANK OF CHINABKCHMXMXC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
160BankBANCO S3BSMXMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
166BankBANCO DEL AHORRO NACIONAL Y SERVICIOS FINANCIEROSSEFIMXM1C, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
167BankHEY BANCO (BANREGIO)NOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/✔
168BankSOCIEDAD HIPOTECARIA FEDERALNOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
600BankMONEX CASA DE BOLSAMONXMXM1TFIC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
601BankGBM GRUPO BURSÁTIL MEXICANOGBMSMXM1C, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
602BankMASARI CASA DE BOLSANOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
605BankVALUE CASA DE BOLSAVACBMXM1C, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
616BankCASA DE BOLSA FINAMEXCBFAMXM1C, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
617BankVALORES MEXICANOS CASA DE BOLSAVMXSMXM1C, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
620BankPROFUTURO G.N.P.NOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
634BankFINCOMÚNNOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
638WalletNU MEXICONOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
646BankSTP (SISTEMA DE TRANSFERENCIAS Y PAGOS)NOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
652BankSOLUCIÓN ASEANOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
653BankKUSPIT CASA DE BOLSANOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
656BankUNAGRANOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
659BankOPCIONES EMPRESARIALES DEL NORESTENOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
661WalletKLARNOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
670BankLIBERTAD SERVICIOS FINANCIEROSNOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
677BankCAJA POP MEXICANOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
680BankCRISTOBAL COLONNOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
683BankCAJA TELEFONISTNOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
684WalletTRANSFERNOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
685BankFONDO (FIRA)NOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
688BankCREDICLUBNOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
689BankFOMPEDNOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
699WalletFONDEADORANOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
703BankTESOREDNOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
706WalletARCUSNOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
710WalletNVIONOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
715WalletCASHI CUENTANOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
720WalletMEXPAGONOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
721WalletALBONOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
722WalletMERCADO PAGO WNOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
723WalletCUENCANOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
728WalletSPIN BY OXXONOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
732WalletPEIBONOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
734WalletFINCO PAY/MONATONOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
901BankCLS BANK INTERNATIONALCLSBUS33C, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
902BankSD. INDEVALINDEMXMMC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-
903WalletCoDiNOT CONNECTEDC, S, D, P/^[0-9]{10,18}$//^[0-9]{10,18}$/-

Supported Document Types

Required documents for customer verification:

Document TypeFull NameEntity TypeRegex
RFCFederal Taxpayer RegistryCompanies & Individuals/^\w{12,13}$
CURPClave Única de Registro de PoblaciónCompanies & Individuals/^[a-zA-Z0-9]{18}$

National Holidays

HolidayDate
New Year's DayJanuary 1
Constitution DayFebruary 2
Benito Juárez's Birthday MemorialMarch 16
Easter ThursdayApril 2
Easter FridayApril 3
Labor DayMay 1
Battle of PueblaMay 5
Mother's DayMay 10
Independence DaySeptember 16
Race DayOctober 12
Deads DayNovember 2
Revolution Day MemorialNovember 16
Virgen de Guadalupe DayDecember 12
Christmas DayDecember 25

Updated 19 days ago

Did this page help you?