SPEI
Country: Mexico (MX) | Payment Rail: real_time_payment
RealTimePayment
Market Adoption: 85%
SPEI is the Bank of Mexico's national real-time interbank electronic payment system, processing 24/7 instant bank transfers via 18-digit CLABE accounts.
๐ User Payment Flow
- Customer selects SPEI at merchant checkout
- Checkout generates a unique 18-digit CLABE virtual account number
- Customer logs into their Mexican bank mobile app / online banking and initiates SPEI transfer to the CLABE
- Banxico SPEI clears funds in seconds and confirms merchant payment
โ๏ธ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | NO |
| Supports Refund | YES |
๐ ๏ธ Merchant Integration Steps
- Merchant API requests SPEI CLABE session from acquiring gateway
- PSP issues payment token and CLABE account string
- PSP receives Banxico SPEI clearing notification webhook and updates order status
๐ Supported Payment Gateways & Acquirers (PSPs)
๐ PayerMax๐ PayU๐ ้่ๆฏไป๐ ่ฟ่ฟๆฐๅญ๐ Payoneer๐ Skyee๐ PingPong๐ Nuvei๐ ไธ้ๆฑ๐ EBANX๐ ๆๅฎๆฏไป