LatAm · Mexico
SPEI Payout Integration
Mexico's SPEI moves pesos between banks in minutes, nearly around the clock. WePesa settles gift-card escrow to any CLABE — BBVA, Banorte, Santander, Nu, Spin.
You get paid in gift cards by a foreign client and you need pesos in your Mexican account. SPEI is the rail for that, and this page documents how our leg of it behaves.
At a glance
What this rail delivers.
Median settle
6 min
Banks
All CLABEs
Daily ceiling
MXN 400k
Success rate
99.2%
How it works
From gift card to settled payout.
01
Lock the MXN quote
Live USD/MXN plus the card's rate, locked for 10 minutes while you upload.
02
Enter your CLABE
18 digits, any Mexican institution. We validate the checksum and resolve the holder name before releasing funds.
03
SPEI settles
Once the card clears escrow the transfer is submitted. Most land inside 10 minutes; overnight orders settle at the next window.
Coverage
Providers, banks, and wallets we settle to.
| Destination | Type | Notes | Typical settle |
|---|---|---|---|
| BBVA, Banorte, Santander, HSBC | Retail bank | CLABE over SPEI | 2–15 min |
| Nu México, Hey Banco | Digital bank | Instant credit in practice | 2–8 min |
| Spin by Oxxo, Mercado Pago | Wallet | CLABE-backed wallets | 3–15 min |
| Nequi / PSE (Colombia) | Wallet / bank | Beta — COP quotes | 5–20 min |
| USDT (TRC-20) | Crypto | Skip MXN exposure | ≈30s |
Limits & fees
Exactly what lands in your account.
| Tier | Per transaction | Per day | Rail fee |
|---|---|---|---|
| New seller | MXN 20,000 | MXN 20,000 | Absorbed |
| ID verified | MXN 150,000 | MXN 400,000 | Absorbed |
| Hub / pro trader | By agreement | By agreement | Absorbed |
| Above caps | Auto-split | Across windows | Absorbed |
Rail fees are absorbed by WePesa unless a row says otherwise. The quote you lock is the amount that settles.
Reliability
How we keep the rail up when the network isn't.
Settlement window awareness
SPEI has brief nightly maintenance. Orders placed inside it queue at the locked rate and release at the first window — no re-quote.
CLABE validation up front
We check the 18-digit checksum and resolve the holder name before any money moves, so a mistyped digit fails instantly instead of landing elsewhere.
CEP receipt for every payout
Banxico's CEP receipt is attached to each order, which is the document your contador or the bank will ask for.
Licensed local partner
The MXN leg runs through a regulated Mexican payment institution, not an informal counterparty.
For builders
Trigger payouts programmatically.
POST /v1/payouts — SPEI
json
{
"rail": "spei",
"destination": { "clabe": "012180001234567895" },
"source_card": { "brand": "amazon_us", "face_value_usd": 100 },
"quote_id": "qt_44ad71"
}
// 201 Created
{
"id": "po_3Wd9",
"status": "queued",
"amount_mxn": 1548.00,
"beneficiary_name": "L. HERNANDEZ",
"eta_seconds": 360
}API access is available to verified Hub accounts. Sandbox keys are issued same day.
FAQ
What sellers ask about this rail.
Can I be paid to a Spin or Mercado Pago wallet?+
Yes — both issue CLABEs, so they behave like any bank destination.
Are SPEI fees deducted?+
No, we absorb them. The locked MXN amount is what arrives.
Why did my night-time payout take longer?+
SPEI has a short maintenance window overnight. Orders queue and settle at the next window at the same locked rate.
Do you support Colombia or Argentina?+
Colombia (Nequi/PSE) is in beta. Argentina is on the roadmap; USDT is the practical option there today.
Is a CURP or RFC required?+
Only above MXN 150,000 per day, where local KYC guidance applies.
Sell a card for pesos.
Lock a quote, upload the card, watch the payout land. Escrow protected end to end.
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