SPEI
Mexico's central bank instant interbank transfer, free real-time settlement.
Payment comparison
SPEI vs OXXO
SPEI and OXXO should be compared by market fit, merchant eligibility, checkout flow, settlement, pricing caveats, and operational support. Compare the practical merchant questions before asking providers for pricing or integration access.
OXXO
Mexico's leading convenience-store cash collection, an online-offline cash payment hub
Comparison table
Use this table to structure due diligence. Public information is only an initial screening layer.
| Question | SPEI | OXXO |
|---|---|---|
| Role | payment_channel | payment_channel |
| Markets | Mexico | Mexico |
| Payment methods | Instant payment, Bank transfer | Cash collection, Regional |
| Merchant fit | Both | Consumer (P2P), Unbanked |
| Entity requirement | No (local only) | No (local only) |
| Settlement | Real-time / T+0 | T+1 |
| Pricing signal | Published pricing is suitable for screening only; confirm official pricing or a written provider quote before integration. | Published pricing is suitable for screening only; confirm official pricing or a written provider quote before integration. |
Merchant checklist
- Start with the country where your customers pay, not only with the provider brand.
- Confirm whether each option is a customer-facing method, PSP, gateway, acquirer, wallet operator, card network, or aggregator.
- Ask for written answers on onboarding, restricted industries, refunds, disputes, reserves, settlement timing, payout currency, and support.
- Published pricing is suitable for initial screening only. Actual pricing can vary by country, industry, volume, settlement currency, integration model, and contract terms. Confirm the official pricing page or a provider quote before going live.
Questions merchants ask
Should I choose SPEI or OXXO?
It depends on your target country, merchant entity, industry, checkout flow, required payment methods, settlement currency, support expectations, and risk review. Use this page to prepare provider questions rather than as a final recommendation.
Can a cross-border merchant use SPEI or OXXO?
Possibly, but eligibility must be confirmed with the PSP, acquirer, wallet operator, bank, or platform route for the target country.
Are SPEI and OXXO fees fixed?
Published pricing is suitable for initial screening only. Actual pricing can vary by country, industry, volume, settlement currency, integration model, and contract terms. Confirm the official pricing page or a provider quote before going live.