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Mexico

Accept all payments in Mexico with local infrastructure

Kushki operates as a non‑bank acquirer with a CNBV license processing locally to provide better approval rates and simplify merchant operations.

Acquirer · Aggregator · Gateway

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THE MARKET

Mexico: a market in accelerated digital transformation

Mexico is undergoing an accelerated payments transformation: cash is still relevant, but cards, transfers and digital wallets are gaining ground across all channels.

Merchants need to accept multiple payment methods and operate efficiently across different locations.

Visibility over transactions and operational simplification are today just as important as payment acceptance itself.

SPEI

The standard for instant bank transfers in Mexico available 24/7

Months without interest (MSI)

Key differentiator to increase conversion and average ticket

Apple Pay

Growing as a payment method in e‑commerce and point of sale

Carnet

Local card network with relevance in the Mexican market

Cash

Still relevant in important market segments

OUR OPERATION

Local processing with three operating models

Acquirer

Kushki subscribes your merchant directly, provides a dedicated account and manages final settlement with better approval rates. Direct Visa and Mastercard memberships in MX, CO, CL and PE.

Aggregator

Kushki acts as intermediary between the merchant and the acquirer. The right model for merchants looking to operate with lower regulatory and operational complexity, prioritizing agility.

Gateway

Kushki enables payment processing by routing transactions to the right processor. The fastest way to start accepting payments, available in all markets where Kushki operates.

PAYMENT METHODS

All the methods your Mexican customers prefer

Online payments

Accepted methods

Cards

VisaMastercardAmerican ExpressCarnet

Transfers

SPEI instant bank transfers available 24/7, compatible with all banks in Mexico

Capabilities

  • Months without interest (MSI): from 3 to 24 months merchant receives the full amount the next business day
  • Apple Pay
  • Pre‑authorization, re‑authorization and capture
  • Scheduled subscriptions
  • On‑demand subscriptions

In‑store payments

Accepted methods

Cards

VisaMastercard

Conexión

  • Standalone
  • Cloud
  • App to App
  • SDK

Capabilities

  • Pre‑authorization and capture
  • Tip
  • Full and partial void
  • Full and partial cancellation
  • Months without interest

MSI

More conversion with months without interest online and at point of sale

With Kushki MSI, your customers pay in 3 to 24 months without interest. The merchant receives the full sale amount minus the applicable surcharge the next business day. Available for both e‑commerce and physical stores.

  • Higher conversion on medium and high‑ticket purchases
  • Higher average ticket
  • Immediate cash flow for the merchant
  • No default risk for the business

IN‑STORE PAYMENTS

One POS system for your entire operation in Mexico

Kushki One is Kushki's regional point‑of‑sale system 100% cloud‑based, with hardware freedom and omnichannel power. The only full‑stack non‑bank acquirer with its own infrastructure in the region.

Discover Kushki One

What's included

  • Unified onboarding, settlement and reconciliation
  • Hardware freedom: bring your own terminal or use those certified by Kushki
  • Regional scalability from Mexico to Kushki's other markets

Sales models

  • Complete solution: Kushki Terminal + Kushki App + Kushki Acquiring
  • 100% API: Your terminal + your app + Kushki Acquiring

WHY LOCAL

Processing in Mexico with a local license changes results

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Platform availability

More approvals

Kushki operates with a CNBV license and processes locally without the approval rate penalty generated by international processors that route via local banks.

Simplified operations

One account, one contract, one dashboard for online and in‑store payments. Unified reconciliation and settlement from the Kushki console.

WHO IT'S FOR

Designed for merchants operating in Mexico

E‑commerce and online stores

Omnichannel retailers with physical and digital presence

Marketplaces and multi‑seller platforms

Service businesses with recurring payments

Fintechs and financial platforms

Franchises and multi‑location chains

Frequently asked questions

Kushki is registered with the CNBV (Comisión Nacional Bancaria y de Valores) in Mexico. It also operates as an aggregator and gateway depending on the model that best fits the merchant.

Kushki connects the merchant with the country's main banks and issuers to offer MSI from 3 to 24 months. The customer pays in interest‑free installments and the merchant receives the full amount the next business day, minus the applicable surcharge.

SPEI is Mexico's instant bank transfer system available 24/7 from any bank. Kushki has native SPEI integration for online payments.

Yes. Kushki unifies online and in‑store payments under a single platform with centralized dashboard, unified reconciliation and consolidated settlement. Kushki One is available in Mexico for point‑of‑sale payments.

Operate in Mexico with the local processor your business needs

Accept online and in‑store payments with local processing and dedicated support.

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