Payment methods in Mexico: how to choose the main ones for your ecommerce in 2025

Mexico is one of the most important markets for e-commerce in Latin America, with a consumer base that values digital transactions as much as traditional options.

What are the most commonly used payment methods in Mexico?

Debit cards

Debit cards are one of the most popular forms of payment for e-commerce in Mexico. They are popular because of their ease of use and because many consumers prefer not to use credit for everyday purchases.

Credit cards 

Credit cards are also popular in the Mexican market, representing one of the most widely used means of payment in Latin America, according to a PCMI study. The most popular types of credit cards include Visa, Mastercard and American Express.

3. Cash payments

Cash remains a very important method in Mexico, especially for those who do not have access to banking services or prefer to avoid using cards.

Companies such as OXXO allow consumers to make purchases online and pay in cash at any of its thousands of physical stores. This method is secure and avoids chargebacks, making it an attractive option for both consumers and businesses.

Other chains such as 7-Eleven facilitate payment services without the need for a bank account, which promotes financial inclusion. In addition, cash payments are preferred by users who are wary of sharing banking information online.

4. Digital wallets

Digital payments have gained popularity in recent years, driven by the convenience of making transactions without the need to enter card data for each operation. Some of the most widely used options available in Mexico are:

• Mercado Pago
• Paypal
• BBVA Wallet
• Spin by OXXO

These wallets allow consumers to store funds and pay securely and quickly online. Mercado Pago, in particular, has positioned itself as a dominant option for online shopping due to its integration with Mercado Libre and other local merchants.

5. Bank Transfers (SPEI)

SPEI transfers are a reliable and secure means of payment in Mexico, especially for higher value transactions. 

This method allows direct transfer of funds between banks instantly and at no cost. Although it is not the fastest or most convenient method for all purchases, it is still a solid option for many businesses.

6. Months without interest (MSI)

A key feature of the Mexican market is the option to pay in interest-free months. In this case, the retailer absorbs the financial cost by paying a higher sales rate in 1 payment, but the end customer does not pay any interest for financing his purchase.

Credit cards often offer this option in partnership with retailers, and it is a crucial factor in driving sales, especially on higher-value products.

7. Buy now, pay later

Buy now, pay later" services are gaining ground in Mexico. Payment platforms such as Kueski Pay and Aplazo allow consumers to split their purchases into more manageable payments, without the need for credit cards. This method is popular among younger users, who are looking for financial flexibility.

8. Payments with cryptocurrencies

Online payments with cryptocurrencies are beginning to gain traction in Mexico, especially among young, technologically advanced users and in specific areas such as technology, travel and gaming. Although they still represent a small percentage of total transactions, their growth is undeniable.

Cryptocurrencies such as Bitcoin and Ethereum are increasingly accepted in online stores, digital services and, in some cases, even in physical stores that already accept this type of payments. In addition to USDT (Tether) and USDC (USD Coin) which are the most used stablecoins for online payments, preferred for their stability, unlike BTC or ETH.

9. Contactless payments (NFC)

Contactless payments have changed the shopping experience in Mexico, especially since the pandemic. This technology uses NFC (Near Field Communication) to enable payments in an agile and secure way, simply by bringing a card, mobile device or smartwatch close to the terminal reader.

Today, most modern bank cards include this functionality. In addition, applications such as Apple Pay and Google Pay are increasingly being accepted at Mexican points of sale, thus expanding the reach of this payment system.

10. QR code payments

Electronic payments with QR codes have established themselves as a practical and accessible option, especially for small businesses, street vendors and users who prefer to minimize the use of cash or physical contact.

With this method, the customer simply scans a QR code from his cell phone and makes the payment through an app such as CoDi, Mercado Pago or even bank apps.

11. Prepaid cards

Prepaid cards are a practical tool for controlling spending and improving the user's shopping experience. They allow the purchase of products or services until the available balance is exhausted and their implementation is simple and secure, adapting to different business models. The main issuers are Mercado Pago, Nu, Stori and Albo, all under the Mastercard signature.

How can Rebill help you integrate the best payment methods in Mexico?

Rebill makes it easy to integrate all these payment methods into your business in less than an hour, thanks to its payment infrastructure specifically designed for Latin America. From accepting cash payments to implementing recurring payments with credit or debit cards, we offer solutions tailored to the particularities of Mexico.

Other advantages of using Rebill

• Fast and frictionless connection: Integrate multiple payment methods in less than an hour using a robust API, SDK or low-code implementation. With just a few lines of code you can incorporate a complete, functional and adaptable checkout for any device.
• Adaptable and automated subscriptions: Ideal for businesses with recurring payments: set up weekly, monthly or as often as you prefer. Manage plan changes or cancellations instantly and activate trial periods from day one. In addition, intelligent retries allow you to recover up to 71% of rejected payments.
• Transactions aligned with local regulations: Each payment is automatically validated to comply with each country's security, authentication and data protection regulations, reducing operational risk and ensuring customer confidence. All this without the need to generate a local entity on your company's side.

Mexico is a dynamic market, where a variety of payment methods is key to attracting and retaining customers. To compete and grow, companies must offer flexible and secure options that adapt to the preferences of today's consumers.

With Rebill, you can scale your operation in Mexico without hassle. Contact us and find out how we can help you get paid the smart way.