The fully configurable real-time payments platform for banks
Connect your bank, SOFIPO, fintech or IFPE to Mexico's payment schemes, 24×7 instant rails and same-day high-value rails, where every flow, rule, channel and screen is configured by your team, not coded by a vendor.
What payment connectivity costs banks today
Four numbers we hear from banks running legacy gateways or building in-house, and what each becomes on InterPago.
Binary protocols, session crypto, certification, a specialist team and years of calendar before the first payment moves.
Black-box gateways turn a threshold change into a change request, a release train and a re-certification cycle.
Settlement in one tool, reconciliation in another, evidence in spreadsheets, every morning starts with a hunt.
A dropped scheme session at month-end payroll is a board-level incident, and a front-page risk.
Every payment rail, one product
We design, build, and deploy the systems your institution needs to operate within Mexico's payment infrastructure, fully compliant with central-bank regulations.
SPEI
Real-time MXN electronic transfers, 24×7. Handle payroll cut-offs at scale, with electronic receipts and continuous reconciliation.
- MXN real-time payments
- Electronic receipts & lookups
- Zero-downtime certificate lifecycle
SPID
Same-day domestic USD interbank transfers for corporates. Personas-morales compliance and a USD-only operating model.
- Same-day USD settlement
- RFC / LEI validation
- Dedicated operating window
Contingency
The three backup modes the regulator requires, from manual fallback to fully automatic. Failover in seconds, simulator-driven drills, regulator-ready reports.
- Participant fallback
- Alternate operation
- Automatic alternate system
We don't replace your core, we connect to it
A clean integration layer between your core and the interbank payment system. No need to rewrite what already works. Routing rules, retries, settlement and reconciliation, all configured visually, no code.
Your core banking
Accounts, balances, customers, untouched
InterPago
Orchestration, rules, settlement and reconciliation in an isolated Bank Unit
Payment system
SPEI, SPID and contingency modes over native protocol
Evidence
10-year immutable audit ledger, dashboards and alerting
From idea to production, in one morning
Business asks: payroll above $50,000 MXN needs a second approval.
The operator opens the visual payments orchestrator.
Adds a rule from the library, sets the threshold.
Dry-run confirms the new gate fires exactly as intended.
The rule goes live, with a record of who changed it and when. In production.
Works with your core banking system, no migration
InterPago connects to your core banking system as it is today, no replacement and no migration project. Our integration layer adapts to how your core already communicates: APIs and webhooks, standard financial messaging, message queues, or file exchange. Your core stays the system of record; InterPago runs SPEI, SPID and contingency beside it, typically without changing a single line of core code.
Compatible cores: Temenos Transact (T24), Oracle FLEXCUBE, Finastra, FIS, Infosys Finacle, TCS BaNCS, Mambu, Topaz / Cobis, In-house & regional cores.
All trademarks are the property of their respective owners. References indicate technical compatibility only, not partnership, certification or endorsement.
Why banks choose InterPago
A product you deploy and own, four outcomes your business feels beyond the technology.
Months, not years
A finished product with pre-built scheme connectivity and 70+ operator screens, live in ≈ 90 days.
Zero vendor tickets
Your team creates flows, rules, adapters and forms from the portal, every change is versioned, auditable data.
One product, every rail
Instant and high-value rails plus the full back office on one compact footprint, your datacenter or any cloud.
Audit-ready by default
A 10-year tamper-proof audit ledger, regulatory transaction screening, institutional certificates and multi-factor access, built into the core, not bolted on.
Failover that needs no one awake at 3 a.m.
Active/standby channels promoted automatically in seconds, self-healing sessions and zero-message-loss design, with a backup site that is identical by construction.
- Recovery drilled in real exercises, not assumed on paper
- No payment lost, none duplicated: exactly-once by design
- Multi-factor access, dual certificates and encryption at every hop
Frequently asked questions
What is SPEI and how does a bank integrate with it?
SPEI (Sistema de Pagos Electrónicos Interbancarios) is Banxico's real-time Mexican-peso interbank transfer system, available 24×7. Integrating requires native-protocol connectivity with encrypted sessions, institutional certificates, and settlement and reconciliation capabilities. InterPago delivers all of this as a finished product that reaches production in about 90 days.
What is SPID and how is it different from SPEI?
SPID (Sistema de Pagos Interbancarios en Dólares) processes domestic US-dollar interbank transfers for corporate entities (personas morales) in Mexico, settling same-day within a dedicated operating window. SPEI operates in Mexican pesos 24×7; SPID operates in USD with additional compliance requirements such as RFC and LEI validation.
What are the COA, POA and ASA contingency modes?
They are the alternate-operation schemes Banxico requires of SPEI participants: COA (participant fallback client), POA (alternate operation process), and ASA (advanced alternate system). InterPago implements all three with automatic failover, scheduled drills, and regulator-ready reports.
How long does it take a bank to go live with InterPago?
About 90 days from kick-off to the first live payment: scope locked in two weeks, a sandbox with scheme simulation from week 2, integration and acceptance testing running in parallel with operator training, and certification with a controlled cutover at the end. Promotion from testing to production is pure configuration.
What throughput and availability does the platform offer?
Designed for 10 million transactions per day (115 sustained per second, with 1,150 TPS burst headroom) and typical end-to-end latency under 200 ms. The platform is built for continuous 24×7 operation: redundant active/standby channels, automatic failover in seconds, and an identical backup site, with recovery drilled in real exercises rather than assumed on paper.
No commercial obligation, until you're ready
We believe the best way to earn your trust is to prove our value first. We'll work with you through assessment, architecture, and a working proof of concept, with no commercial obligation until the solution is accepted and you're ready for customization and production use.
Ready to modernize your payment operations?
Whether you're starting from scratch or modernizing a legacy system, we'll help you get there, securely, on schedule, and with no obligation until you're ready.