We design, build, and deploy the systems your institution needs to operate within Mexico's payment infrastructure.
Mexico's payment infrastructure rests on three interbank-payment-system rails: real-time peso transfers (SPEI), intraday USD transfers within Mexico (SPID), and the contingency modes every regulated participant must operate and test. We integrate with all three.
| SPEI | SPID | Contingency | |
|---|---|---|---|
| Currency | MXN | USD | N/A |
| Settlement | Real-time | Real-time intraday | File / failover |
| Window | 24/7 (limited Sunday) | 08:00–18:00 CDMX | On demand |
| For | Retail and corporate banks | Corporate / institutional | All participants |
| Typical volume | Burst (payroll, end-of-day) | Low volume, high value | Low volume, critical |
Full message-catalogue implementation, schema validation, and exception handling per the official specification.
HSM/Vault custody, overlapping rotation, integration with certificate authorities and official portals.
Real-time operating balance, intraday position, alerts, and projection under peak load.
Visibility per channel, counterparty, and reason code, with inline actions (retry, cancel, escalate).
We've digested the full COA, POA, ASA operational manuals and the SPEI/SPID message catalogues. We don't interpret third parties — we start from the official document.
Every project includes a multi-bank simulator server. Test end-to-end before the central-bank certification window.
Immutable trace, key custody, regulatory reports — designed to pass regulatory inspections from day one.
When primary systems fail, your operations must continue. We build all three contingency modes required by regulation so you're never offline.
Real-time MXN electronic transfers with complete settlement lifecycle. Digital signature verification, balance management, and electronic receipts.
SPID interbank transfers in USD within Mexico for corporations and financial institutions. Same robust architecture, adapted for dollar operations between Mexican bank accounts.
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.
Request a Demo sales@interpago.com.mx