SPEI CLABE - Mexico

Per shop & per user

User convenience meets merchant success

Boost your conversion in one of LatAm's most important markets with SPEI CLABE, an improved instant pay-in solution for merchants operating in Mexico.

Say goodbye to tedious user experiences and say hello to simple, streamlined deposits, integrated through a CLABE per shop or CLABE per user setup.

Key Features

Increased conversion for SPEI
Full bank compatibility
Instant pay-ins for the Mexican market
High security and traceability

CLABE per shop vs CLABE per user

SPEI CLABE per shop

Get a CLABE unique to your shop.
Boost your conversion with instant pay-ins through SPEI.
Ensure your operations are unaffected by the conversion rates and operational issues of other merchants.

SPEI CLABE per user

Assign each user a unique CLABE, all linked to your shop.
Boost conversion and deposit frequency through streamlined account funding.
Reduce deposit friction by giving users the ability to deposit directly from their bank account after initial setup.
Get additional protection against the impact of high claims rates.

Flow Overview - CLABE per shop

Transaction Flow

Shop: Requests a transaction
PayRetailers: Displays the CLABE and reference number
Payer: Executes a bank transfer
Bank: Transfers the funds
Partner: Notifies the partner of the payment
Partner: Sends the Webhook notification
PayRetailers: Notifies the merchant

CLABE per shop Landing Page

Customer Information:

Hola ¡Juan Pérez! (Hello Juan Pérez!)

Payment Details:

Monto a pagar: 9,779.00 MXN
Vencimiento: 30 Abr 2025 23:05:14

Account Information:

Cuenta CLABE: 12930182301435000
Referencia de pago: 01435000
Beneficiario: Test

Actions:

Copiar CLABE (Copy CLABE)
Copiar referencia (Copy reference)

Instructions:

Abre la app de tu banco (Open your bank app)
Copia y pega la CLABE (Copy and paste the CLABE)
Copia y pega la referencia en la opción referencia o concepto (Copy and paste the reference in the reference or concept option)
Ingresa 1,300 MXN y confirma el pago ¡Listo! (Enter 1,300 MXN and confirm payment - Done!)

Note: Si tenés dudas o inconvenientes comunicate con Shop Demo (If you have questions or issues, contact Shop Demo)

Privacy: Al usar nuestros servicios aceptás que algunos de tus datos sean tratados por PayRetailers de acuerdo a nuestra Política de Privacidad y Cookies.

Options:

Volver al comercio (Return to merchant)
Descargar (Download)

Flow Overview - CLABE per user

Transaction Flow

Shop: Shop requests a CLABE for a user
PayRetailers: Creates a CLABE
PayRetailers: Assigns a CLABE account
Payer: Executes the payment using the CLABE account
SPEI: Receives the payment
SPEI: Sends the Webhook
PayRetailers: Creates the payment and notifies the merchant
Shop: Receives the funds

User Flow - CLABE per user

Pull Payment Flow

[initiated by the payer on the merchant site]

Process:

Payin request
Validate if payer has a CLABE account
- If No: Create a new CLABE for the user
  - Was the CLABE account successfully created?
    - If Yes: Create the landing page with user's CLABE account
    - If No: Create the landing page using shop's CLABE account
- If Yes: Validate CLABE status
  - Status is Blocked or Inactive?
    - If Yes: Create the landing page using shop's CLABE account
    - If No: Create the landing page with user's CLABE account

Push Payment Flow

[initiated by the payer with their CLABE account]

Process:

Payment execution into customer's CLABE account
Identify Payin and execute Third party validation
- Is a third-party payment?
  - If Yes: Reject transaction
  - If No: Create Transaction and Run Risk Validations
    - Validations approved?
      - If Yes: Mark Transaction as Finished
      - If No:
        
        Execute a Refund transaction
        
        Mark Transaction as Finished

OXXO Payment Method

Overview

OXXO is a widely used cash payment method in Mexico that allows consumers to pay for online purchases in person at any of the 20,000+ OXXO convenience stores across the country. At checkout, users receive a voucher or payment reference, which they can take to any OXXO shop to complete the transaction in cash.

Why is OXXO Important?

OXXO enables millions of cash-based consumers to participate in e-commerce, bridging the gap between the digital and physical world in a country where cash remains dominant.

What Problem Does It Solve?

OXXO addresses the challenge of low card penetration and distrust of online payments by providing a cash-based solution for digital purchases. It allows merchants to reach a wider customer base, especially in segments that rely heavily on cash.

Key Benefits

Massive Retail Footprint: Available in nearly every town and city in Mexico
No Bank Account or Card Required: Accessible to the unbanked population
Trusted & Familiar Brand: OXXO is a part of daily life for most Mexicans
Extended Store Hours: Many locations are open 24/7, providing flexibility to pay anytime
Boosts Conversion Rates: Online merchants can access customers who would otherwise abandon checkout due to lack of digital payment options

User Flow

Step 1: Select Payment Method

Select bank transfer (Pago en efectivo - Cash payment) as the payment method and select OXXO from the available cash payment options.

The payment selection screen displays multiple Mexican cash payment options:

OXXO (with distinctive red and yellow logo)
7 Eleven
BBVA Bancomer
Farmacias del Dr. Ahorro

Select "OXXO" to proceed with this payment method.

The order summary shows:

Product: Test
Amount: 10.00 MXN
Total: 10.00 MXN
Note: *Impuestos no incluidos (Taxes not included)

The confirmed payment method displays:

Payment method: Pago en efectivo (Cash payment)
Option to edit selection
"Volver al comercio" (Return to merchant) link

Step 2: Receive Payment Voucher

After selecting OXXO, you'll receive a payment voucher with a barcode that you'll use to complete the payment at any physical OXXO store.

Payment Voucher Details:

Header:

Merchant: PP PayRetailers

Payment Information:

Title: "Paga $20.00 en la tienda OXXO más cercana" (Pay $20.00 at the nearest OXXO store)
Expiration: "Tienes tiempo hasta el 25 de agosto" (You have until August 25th)

Required Information: The voucher displays: "Necesitarás los siguientes datos:" (You will need the following information:)

Barcode: Scannable barcode displayed prominently
Barcode Number: 78000001049040638726082500020006

Payment Instructions - ¿Cómo pagar? (How to pay?)

Dirígete a cualquier tienda OXXO (Go to any OXXO store)
Avisa en la caja que quieres hacer un pago y muestra el código de barras de este ticket para escanear (Tell the cashier you want to make a payment and show the barcode from this ticket to scan)
¡Listo! El pago se acreditará en 1 o 2 días hábiles y recibirás un e-mail de confirmación (Done! The payment will be credited in 1 to 2 business days and you will receive a confirmation email)

Purchase Details - Detalle de tu compra:

Orden de compra (Purchase order): $20.00
Total: $20.00

Important Notes:

Keep this voucher until you complete the payment
You can print it or show it on your mobile device
The barcode must be scannable at the OXXO cashier

Technical Details

Payment Flow

Customer completes online purchase and selects OXXO at checkout
System generates unique payment reference and barcode
Customer receives voucher via email or on-screen
Customer visits any OXXO store with voucher (printed or on mobile)
Cashier scans barcode at point of sale
Customer pays cash amount shown on voucher
Payment confirmed and sent to merchant (1-2 business days)
Customer receives email confirmation
Merchant fulfills order upon payment confirmation

Payment Processing Timeline

Voucher Generation: Instant
Payment Window: Typically 24-72 hours from generation (expiration date shown on voucher)
Payment Confirmation: 1-2 business days after payment at OXXO store
Merchant Settlement: Varies by merchant agreement

Voucher Details

Barcode Format: Standard retail barcode compatible with OXXO POS systems
Reference Number: Unique alphanumeric identifier
Expiration: Configurable by merchant (typically 24-72 hours)
Delivery: Email, SMS, or displayed on payment page
Format: Can be printed or displayed on mobile device

Store Information

Number of Locations: 20,000+ stores across Mexico
Store Hours: Many locations open 24/7, others have extended hours
Geographic Coverage: Urban and rural areas throughout Mexico
Accessibility: Stores in nearly every town and city

Integration Benefits

For Merchants

Expanded Market Reach: Access to cash-dependent consumers (large segment in Mexico)
Higher Conversion: Customers who can't or won't use cards can complete purchases
Reduced Cart Abandonment: Provides payment option for unbanked/underbanked
Brand Trust: OXXO's familiarity increases customer confidence
No Chargebacks: Cash payments eliminate chargeback risk

For Customers

No Bank Account Needed: Accessible to everyone
Cash Privacy: No need to share financial information online
Familiar Process: Uses trusted convenience stores
Flexible Timing: Pay when convenient at 24/7 locations
Immediate Receipt: Get payment confirmation from cashier

Use Cases

E-commerce purchases: Online shopping for customers without cards
Bill payments: Utilities, services, and subscriptions
Gaming and digital content: In-game purchases, subscriptions
Travel bookings: Flights, hotels, bus tickets
Remittances: Money transfers and cash pickup
Event tickets: Concerts, sports, entertainment
Marketplace purchases: Consumer-to-consumer platforms

Target Audience

OXXO is particularly important for:

Unbanked consumers without access to traditional banking
Underbanked individuals with limited banking services
Cash-preferring customers who trust cash over digital payments
Privacy-conscious users who avoid sharing financial data online
Rural populations with limited access to banks but proximity to OXXO
Young consumers without credit history or credit cards
Informal economy workers paid in cash

Best Practices for Implementation

For Merchants

Clear Instructions

Display payment voucher immediately after checkout
Send voucher via email as backup
Include clear expiration date
Provide step-by-step payment instructions

Customer Communication

Send reminder emails before voucher expiration
Notify customers when payment is confirmed
Provide customer support for payment questions

Order Management

Reserve inventory for pending OXXO payments
Auto-cancel orders if payment not received by expiration
Update order status upon payment confirmation

User Experience

Make OXXO option prominent for Mexican customers
Show OXXO logo and "Pay with Cash" messaging
Display nearby OXXO store locations if possible

Frequently Asked Questions

How long do I have to pay? Payment vouchers typically expire within 24-72 hours of generation, with the exact expiration date displayed on the voucher.

Can I pay at any OXXO store? Yes, the voucher can be used at any of the 20,000+ OXXO locations across Mexico.

Do I need to print the voucher? No, you can show the barcode on your mobile device for the cashier to scan.

How long until the merchant receives my payment? Payment confirmation typically takes 1-2 business days after paying at the OXXO store.

What if I lose my voucher? Contact the merchant's customer support to request a new voucher or access your order confirmation email.

Is there a maximum payment amount? Yes, OXXO has transaction limits (typically around 10,000 MXN per transaction). Check with the merchant for specific limits.

Integration

For information on integrating OXXO payments into your platform, please contact our sales team or refer to our API documentation.

Contact Us

Email: [email protected]