Accept Cards, OXXO Cash and SPEI Transfers

Give shoppers in Mexico three ways to pay: card, cash at OXXO stores or a SPEI bank transfer, all confirmed to your store automatically.

Cash
Payments at OXXO Stores
3
Payment Modes at One Checkout
22
Language Packs Included
SAQ-A
PCI Compliance Scope

Everything You Need to Take Payments in Mexico

Three payment methods, one checkout, and the security infrastructure to run them properly in the Mexican market.

Credit and Debit Card
Card details are tokenized in the browser, so your server only sees a token and your PCI scope stays at SAQ-A.
OXXO Cash Vouchers
Shoppers who prefer cash get a reference number and barcode, pay at an OXXO store, and the order confirms when Conekta receives the payment.
SPEI Interbank Wire
Shoppers paying by SPEI see a unique CLABE number and bank name, transfer from their banking app, and the order confirms when the transfer arrives.
Webhook Signature Verification
Every Conekta webhook is checked against an HMAC SHA-256 signature before any order changes, and forged requests are rejected.
Per-Mode On/Off Toggles
Turn card, OXXO and SPEI on or off separately, and checkout shows only the methods you enable.
Automatic Async Confirmation
OXXO payments complete hours after checkout and SPEI within minutes. When Conekta confirms a payment, the order is confirmed and notifications are sent.
Mexican Spanish Included
Admin settings, OXXO and SPEI instructions, card labels and error messages are translated into Mexican Spanish (es-MX) and 21 other languages.
Geozone Restriction
Show Conekta only to buyers in your chosen geo zone. Shoppers outside Mexico see your other payment options.
Sandbox and Production Split
Keep test and live credentials separate, test card, OXXO and SPEI payments in the Conekta sandbox, and switch to live with one setting.

Cash Payments at OXXO Stores

After choosing OXXO, the customer sees a reference number, a barcode and step-by-step instructions, then pays cash at an OXXO store.

Reference number and scannable barcode displayed immediately after checkout
Step-by-step payment instructions in Mexican Spanish and English
Webhook confirms the order automatically — no manual checking required
Order sits in Pending status until Conekta confirms — not abandoned, not failed

SPEI Bank Transfers for Larger Orders

The customer receives a unique CLABE number and bank name, sends a SPEI transfer from their banking app, and Conekta notifies your store when it arrives, usually within minutes on banking days.

Unique CLABE number and bank name displayed on the confirmation screen
Instructions in Mexican Spanish — the language Mexican banking apps use
Irreversible on confirmation — chargebacks on SPEI orders are functionally zero
B2B buyers get a bank-confirmed transaction for their accounting records

Signed Webhooks for OXXO and SPEI

OXXO and SPEI payments are confirmed later by webhook. The plugin requires your Conekta signing key and verifies every webhook before updating an order.

HMAC SHA-256 signature verification on every incoming webhook
Missing signing key refuses all requests — no silent fallback
Mismatched signature rejected with a 401 before any order query runs
Order confirmations logged with Conekta charge ID for audit trail

Accept Cash, Transfers and Cards From Shoppers in Mexico

Add OXXO, SPEI and card payments to your J2Commerce checkout through Conekta, with every payment confirmed automatically.

Credit and Debit Card
OXXO Cash Vouchers
SPEI Interbank Wire

Use Cases

Full Three-Mode Coverage

Mexican Online Retailer

An electronics store in Mexico City turns on card, OXXO and SPEI, so card buyers pay immediately, cash buyers pay at OXXO and others transfer from their banking app.