Mexico

Accept OXXO, SPEI, CoDi, Mercado Pago and cards in Mexico with Onerway.

Mexico has a diverse payment landscape combining traditional cash-based solutions with modern digital payments. remains extremely popular for cash payments, while and provide instant digital transfer options.

Payment service policies may change at any time and may vary by region. This page is for reference only and will be updated periodically.

At a Glance

Country

Mexico (MX)

Currency

Mexican Peso (MXN)

Minimum Amount

1 MXN

Refunds

✅

Chargeback

Varies

Document Required

Document Requirements

Mexican transactions require identification for compliance purposes.

Document	Format	Description
	10-18 characters	Population registry ID

The identityNumber field accepts CURP. Full validation is performed automatically.

Card Payments

Onerway supports all major card brands in Mexico, including international networks and local Mexican cards.

Supported features:

Installments
Refund
Chargeback

Supported Card Brands

Card Brand	Notes
Visa	Most widely accepted
MasterCard	Most widely accepted
American Express	Premium cards

Card Brand	Notes
Carnet	Mexican domestic network

Local Payment Methods (LPMS)

OXXO is the most popular cash payment method in Mexico, with over 20,000 store locations nationwide. SPEI is recommended for instant bank transfers with immediate confirmation.

Quick Comparison

Method	Type	Settlement	Refund	Chargeback	Best For
OXXO	Cash Payment	Up to 12 days	✅	❌	Unbanked customers
SPEI	Bank Transfer	1 day	❌	❌	Instant transfers
CoDi	QR / Push	Up to 5 days	✅	❌	Mobile-first users
Mercado Pago	Wallet	Immediate	✅	✅	Existing MP users

Integration Details

Field	Type	Description
`orderAmount`	string	Payment amount
`orderCurrency`	string	MXN
`country`	string	MX
`lpmsInfo`	string	Method-specific JSON
`firstName`	string	Consumer's given name
`lastName`	string	Consumer's family name
`email`	string	Consumer's email
`identityNumber`	string	CURP

Method	lpmsInfo
OXXO	`{"lpmsType":"OXXO"}`
SPEI	`{"lpmsType":"SPEI"}`
CoDi QR Code	`{"lpmsType":"CoDi_QR_SCAN"}`
CoDi Push	`{"lpmsType":"CoDi_Push_Notification"}`
Mercado Pago	`{"lpmsType":"MercadoPago"}`

Type	API	User Flow
DIRECT	Payment API	Merchant → Payment Page
REDIRECT	Checkout API	Merchant → Onerway Checkout → Payment Page

DIRECT for custom checkout UI with full control.
REDIRECT for quick integration with Onerway's hosted payment selection.

Payment Method Details

Best for: Customers without bank accounts, cash-preferring consumers, unbanked population.

OXXO is the most popular chain of convenience stores in Mexico. They created the OXXO invoice system, which is now widely used by Mexicans to pay utility bills and online shopping in cash. Customers receive a payment voucher/barcode and pay at any of the 20,000+ OXXO store locations.

OXXO payment voucher with barcode for cash payment at convenience stores

Feature	Value
Minimum Amount	1 MXN
Maximum Expiry	10-12 days (depending on local bank)
Notification	Immediate or 1 day (depending on product)
Refund	✅
Chargeback	❌

Best for: Customers who prefer bank transfers, instant payment needs, high-value transactions.

SPEI (Sistema de Pagos Electrónicos Interbancarios) is Mexico's real-time interbank transfer system operated by Banco de México. Each payment order contains information that allows identification of both sender and recipient, enabling secure fund transfers between any Mexican bank accounts.

SPEI bank transfer interface showing account details and transfer instructions

Feature	Value
Minimum Amount	1 MXN
Processing Time	Up to 1 day
Confirmation	Immediate
Payment Retry	✅
Refund	❌

Best for: Mobile-first customers, contactless payment preference, app-based payments.

CoDi (Cobro Digital) was officially launched by Banco de México to facilitate payments through digital transfers. It leverages the SPEI infrastructure for fast and secure transactions, promoting a mobile-friendly payment experience.

Feature	Value
Minimum Amount	1 MXN
Transaction Expiry	Up to 5 days
Confirmation	Immediate
Refund	✅
Chargeback	❌

Payment Methods:

Scan a QR code with your banking app to complete the payment. Ideal for in-store and online purchases where QR display is available.

CoDi QR code scanning flow: merchant displays code, customer scans with banking app

Best for: Customers with existing Mercado Pago accounts, cross-border Latin American transactions.

Mercado Pago is a leading digital wallet across Latin America. It allows users to make one-time payments and regular payments through registered merchant authorization, with immediate confirmation and both refund and chargeback support.

Feature	Value
Minimum Amount	1 MXN
Auth Timeout	5 minutes
Confirmation	Immediate
Refund	✅
Chargeback	✅

Payment Flows:

Consumer authenticates and completes payment immediately. The specific process may vary depending on the payment method chosen.

Mercado Pago one-time payment: customer authenticates and completes immediate payment

Chile

Accept Webpay, Khipu, Mercado Pago, Sencillito, Servipag and cards in Chile with Onerway.

Paraguay

Accept cash payments, wallets, and cards in Paraguay with Onerway.