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's own implementation guidance recognizes that a participant may build its connection or hire a specialized third party. We are that specialized third party: dedicated-link connectivity, cryptographic message signing, and side-by-side support through Banxico's certification tests.
The channels we integrate
SPEI
Peso settlement, 24×7, high volume. The primary rail of Mexican banking for retail, payroll and disbursement.
SPID
Dollar settlement between Mexican accounts, Monday to Friday, for corporate and institutional clients.
Contingency
The mandatory backup layer that complements SPEI, SPID or both when the primary channel fails.
Not sure which one your institution needs? The guide on the difference between SPEI and SPID compares currency, hours, users and compliance requirements in detail.
Contingency: a complement to any channel
Contingency is not a separate system, it's the backup layer that operates when the primary fails. The regulator requires three backup modes: falling back through another participant, operating through an alternate scheme, and an automatic alternate system. 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 →
What an integration includes
Inbound and outbound messaging
Full message-catalogue implementation, schema validation, and exception handling per the official specification.
Digital signature and certificates
Custody of hardware-protected keys and secrets, overlapping rotation, integration with certificate authorities and official portals.
Liquidity and balance projection
Real-time operating balance, intraday position, alerts, and projection under peak load.
Operations dashboard and alerts
Visibility per channel, counterparty, and reason code, with inline actions (retry, cancel, escalate).
Why InterPago vs. building in-house?
Depth in the official specification
We've digested the complete operational manuals for the regulator's contingency modes and the SPEI/SPID message catalogues. We don't interpret third parties, we start from the official document.
Our own simulator
Every project includes a multi-bank simulator server. Test end-to-end before the central-bank certification window.
Audit-ready
Immutable trace, key custody, regulatory reports, designed to pass regulatory inspections from day one.
Frequently asked questions
What is contingency in SPEI/SPID?
Contingency 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 three backup modes: falling back through another participant, operating through an alternate scheme, and an automatic alternate system.
What does an InterPago integration include?
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.
Why InterPago instead of building in-house?
Depth in the official specification (the complete operational manuals for the regulator's contingency modes and the 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.
Can we start with one channel and add others later?
Yes. Most engagements start with a single channel. The architecture is built from day one to add channels later without rework.
Contingency
SPEI and SPID contingency: we build the COA, POA and ASA modes Banxico requires, with automatic failover and drills with auditable evidence.
SPEI
Real-time MXN electronic transfers with complete settlement lifecycle. Digital signature verification, balance management, and electronic receipts.
SPID
SPID is Banxico's system for dollar transfers between Mexican accounts. What it is, how a SPID transfer works, and how to integrate it.