🇲🇽 Mexico - 88Pay Documentation

Market Size: 130M+ population · Currency: MXN (Mexican Peso) · #2 LATAM e-commerce market

Why Mexico?

20,000+ OXXO Stores

Cash is king — 35% of e-commerce paid via OXXO

SPEI 24/7

Real-time interbank transfers, any time

130M Population

Second largest e-commerce market in LATAM

Payment Landscape

Understanding how Mexicans pay online is crucial for conversion optimization.

Market Share
Key Insights

Method	Share	Trend
Debit Cards	45%	↗️ Growing
Cash (OXXO)	35%	→ Stable
SPEI	15%	↗️ Growing
Credit Cards	5%	↘️ Declining

Debit cards dominate due to low credit penetration. OXXO is essential for reaching the unbanked population (40% of adults).

Available Methods

Method	Code	Category	Speed	Best For
💳 Cards	`CARDS`	`CARD`	Instant	Universal acceptance
🏪 OXXO	`OXXO`	`CASH`	Up to 72h	Unbanked customers
⚡ SPEI	`SPEI`	`BANK`	Instant	Large amounts, B2B
₿ USDT	`USDT`	`CRYPTO`	~10 min	International
🌐 PayPal	`PAYPAL`	`WALLET`	Instant	Cross-border

Recommended combo: Cards + OXXO + SPEI covers 95%+ of Mexican online shoppers.

Method Details

💳 Cards
🏪 OXXO
⚡ SPEI
₿ USDT

Credit & Debit Cards

Universal acceptance with mandatory 3D Secure authentication.Supported networks:

Network	Credit	Debit	Share
Visa	✅	✅	~60%
Mastercard	✅	✅	~35%
American Express	✅	❌	~5%
Carnet	❌	✅	Regional

Pricing & Limits:

Attribute	Value
Processing fee	3.6% + $3 MXN
International cards	+1%
Minimum	$20 MXN
Maximum	$100,000 MXN
Settlement	T+7

Request example:

{
  "flow": "PAYIN",
  "method_code": "CARDS",
  "method_category": "CARD",
  "country": "MEX",
  "currency": "MXN",
  "amount": 1500,
  "customer": {
    "email": "cliente@ejemplo.mx",
    "document_type": "RFC",
    "document_number": "XAXX010101000",
    "first_name": "Carlos",
    "last_name": "García"
  },
  "order": {
    "reference": "MEX-ORDER-123",
    "description": "Compra en línea"
  },
  "redirect": {
    "success_url": "https://mitienda.mx/success",
    "failure_url": "https://mitienda.mx/failure"
  }
}

3D Secure is mandatory in Mexico. All card transactions redirect to bank authentication.

OXXO Cash Payments

Mexico’s largest convenience store chain. Essential for reaching unbanked customers.

Why OXXO?

20,000+ stores across Mexico
Open 24/7 (most locations)
35% of e-commerce transactions
No bank account required

How it works:Pricing & Limits:

Attribute	Value
Processing fee	$10 MXN + 3%
Minimum	$20 MXN
Maximum	$10,000 MXN
Expiration	72 hours (configurable)
Settlement	T+2 after payment

Request example:

{
  "flow": "PAYIN",
  "method_code": "OXXO",
  "method_category": "CASH",
  "country": "MEX",
  "currency": "MXN",
  "amount": 599,
  "customer": {
    "email": "cliente@ejemplo.mx",
    "phone": "5512345678"
  },
  "order": {
    "reference": "OXXO-ORDER-456",
    "description": "Suscripción mensual"
  },
  "cash_options": {
    "expiration_hours": 48
  }
}

Response with voucher:

{
  "id": "chg_oxxo123",
  "status": "PENDING",
  "payment_details": {
    "reference": "0123456789012345",
    "barcode_url": "https://api.88pay.io/barcode/chg_oxxo123.png",
    "voucher_url": "https://api.88pay.io/voucher/chg_oxxo123.pdf",
    "expires_at": "2025-01-20T23:59:59Z",
    "instructions": {
      "es": "1. Acude a cualquier OXXO\n2. Indica que pagarás un servicio\n3. Proporciona la referencia\n4. Paga en efectivo\n5. Conserva tu ticket"
    }
  }
}

Voucher must include:

Clear barcode (scannable at register)
Reference number (for manual entry)
Amount to pay in MXN
Expiration date
Simple instructions

Send voucher via email AND SMS. Many users screenshot the barcode to show at the store.

SPEI (Sistema de Pagos Electrónicos Interbancarios)

Mexico’s real-time interbank transfer system operated by Banco de México. Available 24/7/365.

SPEI processes $2T+ MXN daily — it’s the backbone of Mexican banking and the fastest way to pay.

How it works:Pricing & Limits:

Attribute	Value
Processing fee	1.0% (min $5 MXN)
Minimum	$100 MXN
Maximum	$500,000 MXN
Expiration	24 hours
Settlement	Instant

What is CLABE?CLABE (Clave Bancaria Estandarizada) is an 18-digit standardized bank account number:

CLABE: 032180000118359719
└─┬─┘└┬┘└────┬────┘└┬┘
  │   │      │      │
  │   │      │      └── Check digit
  │   │      └── Account number
  │   └── Branch (plaza)
  └── Bank code (032 = BBVA)

Request example:

{
  "flow": "PAYIN",
  "method_code": "SPEI",
  "method_category": "BANK",
  "country": "MEX",
  "currency": "MXN",
  "amount": 15000,
  "customer": {
    "email": "cliente@empresa.mx",
    "document_type": "RFC",
    "document_number": "EMP010101AAA"
  },
  "order": {
    "reference": "SPEI-ORDER-789",
    "description": "Pago de servicio"
  }
}

Response:

{
  "id": "chg_spei123",
  "status": "PENDING",
  "payment_details": {
    "clabe": "032180000118359719",
    "beneficiary": "88Pay Mexico SA de CV",
    "bank": "BBVA Mexico",
    "reference": "88PAY-789012",
    "concept": "Pago SPEI-ORDER-789",
    "amount": 15000.00,
    "expires_at": "2025-01-19T23:59:59Z"
  }
}

Display to user:

Field	Value
CLABE	`032180000118359719`
Banco	BBVA Mexico
Beneficiario	88Pay Mexico SA de CV
Referencia	88PAY-789012
Monto exacto	$15,000.00 MXN

User must transfer the exact amount. SPEI does not support partial payments.

USDT Cryptocurrency

Accept Tether for USD-stable international payments.Pricing:

Attribute	Value
Processing fee	1.0%
Settlement	Instant (USD)

Request:

{
  "flow": "PAYIN",
  "method_code": "USDT",
  "method_category": "CRYPTO",
  "country": "MEX",
  "currency": "USD",
  "amount": 50.00,
  "customer": {
    "email": "crypto@ejemplo.mx"
  },
  "crypto_details": {
    "preferred_network": "TRC20"
  }
}

Recommend TRC20 for lower fees (~

1 vs

5-20 for ERC20).

Document Types

Code	Name	Format	Example
`RFC`	Registro Federal de Contribuyentes	12-13 chars	`XAXX010101000`
`CURP`	Clave Única de Registro de Población	18 chars	`GARC850101HDFRRL09`
`INE`	Instituto Nacional Electoral	13 digits	`1234567890123`
`PP`	Pasaporte	Alphanumeric	`G12345678`

For individuals: Use RFC (13 characters) or CURPFor businesses: Use RFC (12 characters with moral person suffix)

Regulatory Considerations

Data Protection (LFPDPPP)

Mexico’s Federal Law on Protection of Personal Data requires:

Privacy notice before collecting personal data
User consent for data processing
ARCO rights (Access, Rectification, Cancellation, Opposition)

Ley Fintech

Regulates electronic payments and fintech companies
Cryptocurrency transactions allowed but regulated
Anti-money laundering requirements apply

Tax (IVA)

Standard IVA rate: 16%
Digital services from abroad: IVA applies
Electronic invoicing (CFDI) required for B2B

Testing

Cards
OXXO
SPEI

Card Number	Result
`4111111111111111`	✅ Approved
`4000000000000002`	❌ Declined
`4000000000003220`	🔐 3DS Required

RFC: Use XAXX010101000

Sandbox vouchers auto-complete after 2 minutes.Phone: Use 5512345678

Integration Checklist

Implement Cards

Start with card payments for instant checkout experience.

Add OXXO

Critical for reaching unbanked customers (35% of market).

Enable SPEI

Add for high-value transactions and B2B payments.

Configure webhooks

Essential for OXXO and SPEI async notifications.

Test all flows

Use sandbox to verify voucher generation and bank details display.

Cash Payments

Complete OXXO documentation

Bank Transfers

SPEI technical details

Webhooks

Handle async notifications

Testing

Complete sandbox guide

​Why Mexico?

20,000+ OXXO Stores

SPEI 24/7

130M Population

​Payment Landscape

​Available Methods

​Method Details

​Credit & Debit Cards

​OXXO Cash Payments

​SPEI (Sistema de Pagos Electrónicos Interbancarios)

​USDT Cryptocurrency

​Document Types

​Regulatory Considerations

​Testing

​Integration Checklist

​Related Resources

Cash Payments

Bank Transfers

Webhooks

Testing

Why Mexico?

Payment Landscape

Available Methods

Method Details

Credit & Debit Cards

OXXO Cash Payments

SPEI (Sistema de Pagos Electrónicos Interbancarios)

USDT Cryptocurrency

Document Types

Regulatory Considerations

Testing

Integration Checklist

Related Resources