We design, build, and deploy the systems your institution needs to operate within Mexico's payment infrastructure.
Mexico's payment infrastructure rests on two main rails operated by the central bank — SPEI (pesos) and SPID (dollars) — plus the contingency modes every regulated participant must operate and test as a complement. We integrate with all three.
| SPEI | SPID | |
|---|---|---|
| Currency | MXN | USD |
| Settlement | Real-time | Real-time intraday |
| Window | 24/7 | Monday–Friday 08:00–17:00 |
| For | Retail and corporate banks | Corporate / institutional |
| Typical volume | High Volume (payroll, end-of-day) | Low volume, high value |
Contingency (COA, POA, ASA) is not a separate system — it's the backup layer that operates when the primary fails. Applies to SPEI, SPID, or both depending on configuration. Covers USD and MXN. Activates on failover scenarios, not on demand. See full detail of the three modes →
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.
SPEI is the central bank's MXN real-time settlement system, operating 24/7 for retail and corporate transfers. SPID is the dollar settlement system for USD transfers between Mexican bank accounts, operating Monday–Friday 08:00–17:00 for corporate and institutional clients.
Contingency (COA, POA, ASA) is the backup layer that operates when the primary system fails. It is not a separate rail but a complement to SPEI, SPID, or both, covering MXN and USD. The regulator requires every participant to operate and test all three modes.
Inbound and outbound messaging, digital signature and certificate custody, real-time liquidity and balance projection, and an operations dashboard with alerts. Plus a multi-bank simulator for end-to-end testing before central-bank certification.
Depth in the official specification (full COA, POA, ASA manuals and SPEI/SPID message catalogues), our own multi-bank simulator included with every project, and audit-ready architecture (immutable trace, key custody, regulatory reports) from day one.
Yes. Most engagements start with a single channel. The architecture is built from day one to add channels later without rework.
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