Payment Gateways in Mexico 2026: A Comparative Guide to the 12 Most Popular Ones

Quick answer: The best payment gateway in Mexico for a business is one that integrates the payment methods buyers use—credit cards with interest-free installments (MSI), SPEI, and bank transfers—and processes payments in Mexican pesos. This boosts conversion rates, and with local acquiring, it gives you control over settlements and reconciliation so you can scale your business, even if you’re processing payments from abroad.

A payment gateway allows your business to accept online payments via credit cards, SPEI, cash, and digital wallets, and receive the funds into a bank account in Mexico. This guide compares the 12 most widely used payment gateways in 2026—Rebill, Mercado Pago, PayPal, Stripe, Conekta, Openpay, Kueski Pay, Verifone, PayU, Sr. Pago, Kushki, and CoDi—focusing on fees, payment methods, integration, and technical support. It applies to both Mexican companies and international companies that bill customers in Mexico.

In this article you will learn which are the most used in the country, their rates, integration methods and technical support channels, so that you can choose the best option for your company.

‍payment gateways in Mexico: Which one to choose?

1. Rebill

Rebill is a payment platform designed for companies with high transactional volume, whether they operate in Mexico or want to expand to other Latin American markets. They specialize in industries such as SaaS, EdTech, HealthTech and eCommerce.

It stands out for its customizable checkout system, driven by intelligent rules that can improve the conversion rate by up to 35%. This optimization is key to adapt to digital consumer habits in Mexico, where factors such as distrust in online payment and the use of mobile devices influence purchase completion.

In addition, Rebill improves the payment approval rate by up to 20% above the global average and recovers more than half (~52%) of subscription charges that fail due to insufficient funds, thanks to its optimized billing logic.

It operates in six markets: Argentina, Brazil, Chile, Colombia, Mexico, and the United States. Local and international companies can accept payments in all of these markets under a single contract.

As a result, Rebill allows Mexican companies to expand regionally with a single platform, without the need to integrate different payment solutions for each country.

It is PCI DSS level 1 certified, the highest security standard in financial data protection for this type of platform.

Métodos de pago Integración y compatibilidad Soporte técnico Tarifas

These are Rebill's payment methods in Mexico:

• Credit cards
• Debit cards
• Bank transfers (SPEI or Interbank Electronic Payments System)
• Interest-free months (MSI)

Rebill simplifies the integration process in less than an hour, without requiring extensive technical resources.

• Robust and well-documented API: Ideal for development teams looking for custom integration.
• Versatile SDK: Compatible with multiple technological environments.
• Low-code solutions: With just 5 lines of code, companies can incorporate all payment methods into an embedded checkout, keeping the brand experience within their own platform.

In addition, it connects easily with the most widely used systems in Mexico, such as CRMs, marketing tools, local ERPs and automation platforms such as Make.com.

• 24/7 personalized attention
• Support in Spanish with knowledge of the Mexican market, where they also offer assistance on issues such as integration with e-commerce platforms, payments, subscriptions and any issue related to the use of their system.

• Rebill fees in Mexico for foreign companies start at 3.50% + 0.20USD per credit card transaction + a currency conversion fee.
• For Mexican companies, fees start at 3.50% + 4 Mexican pesos + VAT per credit card transaction.
• It includes at no additional cost services such as subscription management, a great advantage for businesses with recurring payments.
• Find out more on their pricing page, where you can also use their calculator to estimate how much you get for each transaction.

2. Mercado Pago

Mercado Pago is one of the most popular payment gateways in Latin America, it offers a wide variety of payment methods and is backed by Mercado Libre. Here are its key aspects for Mexico.

Métodos de pago Integración y compatibilidad Soporte técnico Tarifas

• Debit and credit cards (Visa, MasterCard and American Express)
• Digital wallets
• Electronic purse cards

It allows you to integrate your payment solutions through SDK libraries available in several programming languages such as:

• Java
• Ruby
• Python
• PHP
• Node.js
• .Net

• Access to official support to resolve questions about integrations and accounts
• Discord community to exchange knowledge with other developers
• Partner Center to hire integration experts
• Service status monitoring to verify in real time the performance of APIs

Mercado Pago charges a fee of 3.49% + VAT per credit or debit card transaction if you choose to receive the money instantly. This cost may vary depending on the accreditation time and the payment solution you choose.

3. Paypal

PayPal, with its global reach, makes it easy to receive international payments. Although its fees are relatively high.

Métodos de pago Integración y compatibilidad Soporte técnico Tarifas

In addition to PayPal, this platform allows linking:

• Credit or debit cards (Visa, MasterCard, American Express)

• No-code integration options
• SDKs for iOS and Android
• REST APIs
• JavaScript SDK for configuring payment buttons and card fields with preview and export to development environment

Paypal counts with:

• A help center through its website
• Message sending option

PayPal prices are applied according to billing amounts. For example:

• For sales between $50,000.00 and $249,999.99 MXN, a fee of 3.65% + a fixed commission per transaction applies (varies according to the currency used).

4. Stripe

Stripe is a global payment gateway that stands out for its technical integration and documentation for developers. It offers advanced tools to manage subscriptions and complex business models.

Métodos de pago Integración y compatibilidad Soporte técnico Tarifas

• Visa, Mastercard and American Express
• Cash payments with OXXO
• Bank transfers (SPEI)
• Digital wallets
• Interest free months with some Mexican banks

• API integration
• Web and mobile SDKs
• Low-code tools such as Stripe Checkout
• No-code options: payment links and subscription settings from the dashboard

• Help Center
• Detailed documentation for developers
• Assistance by mail or live chat

• 3.6% + $3.00 MXN per transaction with domestic cards
• +0.5% if the card is international
• +2% if currency conversion is required
• Different prices according to the means of payment
• Management of subscriptions: 0.7% additional on processed volume

‍. Conekta

Conekta is a Mexican gateway that offers online payment options designed for small, medium and large companies, with a strong focus on optimizing processes and protecting financial information.

Métodos de pago Integración y compatibilidad Soporte técnico Tarifas

• Tarjetas de crédito y débito
• Cash payments
• Bank transfers (SPEI)

• API integration
• Checkout ready to use
• Plugins for Shopify, WooCommerce, Tiendanube, and more
• Compatibility with major e-commerce platforms in Mexico

• Help Center with documentation, tutorials and guides
• Direct contact via form or WhatsApp
• Support designed for developers and businesses

Conekta's rates in Mexico start with:

• 3.4% + $3.00 MXN per card transaction
• Variable costs according to payment method or volume of operations

6. Openpay

Openpay specializes in the Mexican market, integrates easily with e-commerce platforms and offers anti-fraud solutions.

Métodos de pago Integración y compatibilidad Soporte técnico Tarifas

• Tarjetas de crédito y débito
• Cash payments
• Bank transfers (SPEI)

• API integration
• Openpay.js library
• SDKs
• Plugins for e-commerce

• Help center with documentation
• Telephone service
• Attention by e-mail

• 2.9% + $2.50 MXN + VAT per domestic card transaction
• 4.9% for international cards

7. Kueski Pay

Kueski Pay is a fintech popular for its "buy now, pay later" model that allows consumers to pay in installments.

Métodos de pago Integración y compatibilidad Soporte técnico Tarifas

• Bank Transfers from BBVA, Santander and Citibanamex
• Cash payments
• SPEI Transfers

To integrate Kueski Pay you must implement its widget in your online store. It is compatible with multiple e-commerce platforms.

• 24/7 WhatsApp support
• Telephone service every day
• Attention by e-mail

Kueski Pay rates are not published on their website. To obtain a quote it is necessary to contact their sales team.

8. 2Checkout/Verifone

2Checkout (now called Verifone) is a global platform that offers its online payment services for companies in Mexico to sell products and services internationally.

Métodos de pago Integración y compatibilidad Soporte técnico Tarifas

• Tarjetas de crédito y débito
• Bank transfers
• Electronic purses
• Cash payments

• Commerce API for advanced customizations
• Hosted checkout ready to use
• Direct integrations with Shopify, WooCommerce and Zoho Books.

• 24/7 technical support via email and live chat
• Help center with documentation, guides and resources

To find out about 2Checkout's rates, you need to fill out a form on their website.

9. PayU

PayU Mexico is one of the leading payment gateways in the country, offering online payment solutions for businesses of all sizes.

Métodos de pago Integración y compatibilidad Soporte técnico Tarifas

• Tarjetas de crédito y débito: Visa, Mastercard and American Express
• Cash payments
• Bank transfers: SPEI

• API: customized and complete integration
• Mobile SDKs: for iOS and Android
• Web Checkout: out-of-the-box solution with no programming required

• E-mail support
• Telephone service
• Online Support Center

PayU Mexico fees depend on transaction volume and other factors. To obtain this information it is necessary to contact your sales team.

10. Mr. Payment

Sr. Pago is a Mexican electronic payments platform that offers solutions for both physical and online merchants. Since its acquisition by Konfío, it has positioned itself as one of the leading fintechs in Mexico, integrating payment processing, financing, invoicing and business management services. However, it only accepts cards.

Métodos de pago Integración Soporte técnico Tarifas

• Tarjetas de crédito y débito
• Pantry cards

The integration with Sr. Pago for physical merchants is done with terminals such as the Pin Pad Mini or the SmartPad. For online sales, the Sr. e-Commercegateway is offered, which allows accepting payments directly on websites.

• Support center on your website
• Frequently asked questions section
• User guides and direct contact for technical support

The transaction fee with Mr. Pago is 3.5% + VAT, applicable to credit card, debit card and grocery voucher payments.

11. Kushki

Kushki is a payment gateway that allows businesses to accept online payments throughout the Americas and the world. It offers a unique integration to connect different payment methods in each country, facilitating international business expansion.

Métodos de pago Integración y compatibilidad Soporte técnico Tarifas

Kushki accepts a wide variety of payment methods in Mexico, including:

• Credit and debit cards (Visa, Mastercard, American Express)
• SPEI Transfers
• Cash payments
• Wallets and QR payments

• RESTful APIs: for customized integrations
• Mobile SDKs: for iOS and Android
• Plugins for e-commerce: WooCommerce, Magento, Shopify and VTEX
• Low-code/no-code solutions: no need for complex development

• Specialized technical support
• Developer portal with complete documentation
• Integration guides, test sandbox and technical updates

Kushki's fees are not public. In addition to the transaction fee, monthly billing minimums apply, which depend on the country and size of the merchant.

12. CoDi

CoDi (Cobro Digital) is a local payment gateway developed by Banco de México that allows digital payments and collections through electronic transfers via QR codes or NFC technology, using the infrastructure of the Interbank Electronic Payments System (SPEI).

Métodos de pago Integración y compatibilidad Soporte técnico Tarifas

Allows payments through SPEI wire transfers. It is designed for immediate collections from a bank account, without the need for cash or cards.

The integration of CoDi depends on each financial institution.

• Telephone service
• Attention by e-mail

There are no fees for using CoDi. Both for the merchant and the end user, payments through this platform are free of charge.

What is a payment gateway?

A payment gateway is a service that processes credit card, debit card, bank transfer and other payment methods for online and physical businesses. It functions as an intermediary that connects merchants, buyers, banks and payment processors to facilitate electronic transactions in a secure manner.

The process is simple. When you make an online purchase, the payment gateway:

• Encrypts sensitive buyer information
• Authorizes the transaction with the issuing bank
• Confirms approval or rejection of payment
• Facilitates the transfer of funds to the merchant

All of this happens in a matter of seconds, improving the customer's shopping experience.

Advantages of using a payment gateway

Implementing a payment gateway brings key benefits to any e-commerce or digital business:

• Transaction security: gateways apply security standards such as encryption and protocols such as PCI DSS to protect sensitive data.
• Higher conversion: by offering multiple payment methods, churn is reduced, as the payment process becomes fast, intuitive and reliable.
• Automation and efficiency: Manual collection and reconciliation processes are eliminated.
• Scalability: Allows to operate in different countries, offer different payment methods and currencies (ideal for businesses with international focus or subscriptions).
• Analysis: Allows obtaining real-time information for transaction analysis, projections, etc.

Criteria for choosing a payment gateway in Mexico

There are many factors to evaluate before integrating a gateway into your business; however, these are the 5 points we consider key before making the decision:

1. ‍ ompatibility with your business model: Not all gateways offer support for models such as subscriptions, recurring payments, etc. Make sure the solution fits your needs.
2. Fees and costs: Review transaction fees, monthly commissions, withdrawal charges and possible hidden costs. Some gateways offer more competitive plans for businesses with high transaction volume.
3. Available payment methods: Look for a gateway that accepts cards, transfers (SPEI), cash payments (OXXO, 7-Eleven). The more payment methods, the more sales‍
4. Ease of integration: Check if it offers RESTful APIs, SDKs or plugins for platforms such as Shopify, WooCommerce or Magento. It is a plus if they have Webhooks that report any relevant events, in addition to allowing process automation and system synchronization.
5. Local market expertise: Choose a payment gateway that understands consumer preferences and the most widely used payment methods in the country. This translates into smoother integrations, higher approval rates and better support.

How to accept payments in Mexico as a foreign company

If your company is based outside of Mexico and you want to bill local customers, the key is to determine (1) which payment methods you will offer, (2) whether you need a local acquirer or can operate with an international acquirer, and (3) how you will handle settlement and reconciliation.

Available methods. In addition to local and international cards, it is often crucial to enable bank transfers and wallets used in the country. In Mexico, SPEI is often a central channel for transfer payments. At the same time, wallets such as digital wallets and banking apps tend to have high adoption in everyday life.

Domestic cards. Accepting cards issued in Mexico improves conversion rates, but may require different acquiring, anti-fraud, and authorization rules than those in other markets. If your provider processes through an international acquiring network, verify approval rates, billing currency, and the 3DS experience where applicable.

Local vs. international acquiring. Local acquiring tends to offer better approval rates and more predictable costs, but may require a local entity, local bank account, or operating partners. International acquiring simplifies setup, but may increase friction with local cards and make FX more expensive depending on your settlement scheme.

Settlement and Reconciliation. Define the currency you’ll use for settlement, credit times, and how you’ll reconcile payments across cards, SPEI, and digital wallets. In practice, a good reconciliation workflow reduces chargebacks and speeds up the accounting close by clearly separating authorizations, captures, fees, and taxes where applicable.

Frequently asked questions

What are the best payment gateways in Mexico for businesses in 2026?

The most established options are Mercado Pago, Conekta, Openpay (BBVA), Stripe Mexico, PayU, and Rebill. Conekta and Openpay are strong in the domestic market; Stripe stands out for global tech subscriptions; Mercado Pago dominates mass e-commerce; Rebill is the recommended option for companies that accept payments in Mexico and want to operate or expand into multiple markets (Argentina, Brazil, Chile, Colombia, Mexico, and the United States) under a single contract.

How much does a payment gateway charge in Mexico?

The typical range is from 3.4% to 3.9% plus a fixed fee in MXN per card transaction. For example, Rebill charges 3.49% plus 4 MXN for Mexican companies, and 3.50% plus 0.20 USD for international companies that accept payments in Mexico (prices plus VAT, with volume discounts). For SPEI transactions, Rebill charges 12.50 MXN per transaction to Mexican companies, and 1.00% + 0.20 USD to international companies.

What payment methods are essential to support in Mexico?

Credit and debit cards (Visa, Mastercard, American Express), SPEI (interbank transfer), cash payments (OXXO, 7-Eleven), and digital wallets. SPEI is particularly important for businesses with high-value transactions or B2B transactions; OXXO is important for mass retail. Not all payment gateways support all methods.

Can I accept payments in Mexico and other countries using a single payment gateway?

Yes. Rebill allows you to accept payments in Argentina, Brazil, Chile, Colombia, Mexico, and the United States through a single integration and a single contract, with consolidated deposits. This applies to both companies incorporated in any of those countries and international companies. Conekta, Openpay, Sr. Pago, and Kueski Pay are primarily optimized for the Mexican domestic market.

Which payment gateway do you recommend for subscriptions or recurring payments in Mexico?

For B2B or B2C subscriptions with recurring payments, payment gateways with a native billing engine (Rebill, Stripe) are superior to purely transactional gateways (Conekta, Openpay, PayU). Rebill includes automatic payment retries, expired card management, and native MSI without additional integrations, with a focus on recurring payments across multiple markets (Argentina, Brazil, Chile, Colombia, Mexico, and the United States).

Conclusion

Mexico has a wide range of payment gateways, each with particular strengths in payment methods, ease of integration, fees and technical support.

However, if your company operates with a high volume of transactions, needs recurring payments or is looking to expand regionally, Rebill is the most robust option, as it not only processes payments, but also drives growth.

With smart checkout technology, ~52% recovery rate for subscription payments declined due to insufficient funds, and a focus on digital industries, we are a powerful solution for businesses looking to optimize their revenue and offer a seamless and secure payment experience.

If your company is EdTech, SaaS, HealthTech or eCommerce, contact us to optimize your collections in Mexico or in one of the most important markets in Latin America.

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Disclaimer

This content is for informational purposes only and is based on publicly available information from the official websites of the payment gateways at the time of its preparation (June 2026). Please note that rates, features, and terms are subject to change without prior notice.