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SPEI - BETA

SPEI - BETA

spei

SPEI is currently available in beta testing program. Please reach out to your Airwallex Account Manager or support@airwallex.com if you would like to join the beta.

Gain access to Mexican shoppers through SPEI

The Sistema de Pagos Electrónicos Interbancarios (SPEI) is a local bank transfer method, developed and operated by Mexico’s Central Bank. SPEI’s key benefits include real-time transfers with 24/7 availability, no maximum transaction limit and low transaction fees compared to card payment.

SPEI offers an alternative payment method designed to help you attract and convert more Mexican customers making purchases on your websites and apps. Almost all banks participate in SPEI, making it a popular and standard method for electronic transfers in Mexico.

Payment method properties

FeaturesSPEI
Payment method typeBank Transfer
Available for businesses registered inAU, SG, HK, EU, UK, US
Activation time for onboardingInstant
Shopper regions (typically used by payers from)MX
Processing currenciesMXN
Settlement currenciesMXN or in your default settlement currency if your account does not support MXN settlement
Settlement scheduleT+0, subject to reserve plans
Minimum transaction amount10 MXN
Maximum transaction amountNA
Session timeoutNA
Recurring Payment
Refunds
Partial Refunds
Disputes (chargebacks)
Placing a hold (delayed/manual capture)
Descriptor (what the payer will see in their transaction history)The payer will see the details they entered during the transfer on their bank statements.
Payments for Platforms support

Choose the integration method that best suits your needs

Airwallex has built a range of client-side integration methods that allow you to manage your UI, minimize your implementation effort, and allow you to get to market quickly.

SPEI Payment Details

Payment due date

As a bank transfer payment method, SPEI does not require immediate payments. Once the payment is confirmed, your customers will receive the payment details via email and a unique payment link. By default, your customers have up to three days to complete the payment before the due date.

Payment identifier with CLABE number

For each payment, your customer will receive a unique CLABE number. This number is used to verify the payment amount before the payment due date. SPEI will reject a transfer if the amount is incorrect or if the payment is made after the due date.

How to pay with SPEI

Your customers will need to initiate the transfer in their banking app after receiving the payment details. Airwallex provides step-by-step instructions to guide your customers through the transfer process.

image-20240530-075003

Email notification

By default, Airwallex will send 2 emails automatically to your customers:

  • Payment details: an email containing the payment details will be sent to the customer immediately after checkout.
  • Payment reminder: a reminder email will be sent two days after the order if no payment has been made.

To customize these emails, please contact our support team to add your company logo. You also have the option to disable Airwallex's default emails and send your own version instead.

SPEI disputes

There is no dispute risk associated with SPEI.

According to SPEI regulations, once a transfer order is settled and the corresponding settlement notice is sent to both the issuer and receiver, the order is considered accepted for all purposes. This settlement is final, irrevocable, enforceable, and binding upon third parties.

On this page
Online payments via your own website/app Online payments via ecommerce plugins Payment links & Invoice Integrations
✅ Hosted Payment Page
✅ Drop-in Element
⛔ Embedded Elements
⛔ Mobile SDK
✅ Native API
⛔ Subscription APIs
✅ Shopify
✅ WooCommerce
⛔ Shopline
⛔ ShopLazza
⛔ Magento
✅ Payment Links
⛔ Xero Invoice