Conekta

One integration for all Mexican digital payments

Usage Based

Description

Conekta is a payment platform designed specifically for the Mexican market, allowing businesses to accept a full spectrum of digital payments. Merchants can process credit and debit cards, bank transfers (SPEI), cash payments at thousands of physical locations, as well as popular wallets and Buy Now Pay Later options, all without the need for multiple providers or complex integration.

With over 14 years of experience and advanced AI-driven antifraud systems, Conekta offers a unified dashboard, recurring billing, multi-acquirer routing, and seamless reconciliation. The platform is tailored for scalability, regulatory compliance, and operational simplicity, serving retailers, financial services, education providers, entertainment, and more across Mexico.

Key Features

All Payment Methods: Accepts cards, SPEI, cash, BNPL, wallets, and more in a unified solution.
AI-powered Antifraud: Real-time transaction analysis trained on millions of Mexican payments, minimizing chargebacks and fraud.
Smart Routing & Multi-acquirer: Maximizes approval rates with intelligent transaction routing and native support for multiple acquirers.
Recurring Billing: Automates subscription and membership payments with smart retry mechanisms.
Unified Dashboard: Centralizes reconciliation, reporting, and payment operations across all channels.
Quick Integration: Provides API, checkout, plugins, and payment link options for fast deployment.
Regulatory Compliance: PCI DSS Level 1 and full CNBV/Banxico compliance.
Real-time Settlement: Immediate availability of funds (T+0) for eligible methods.
Plugins & Components: Ready-made integrations for platforms like Shopify, WooCommerce, VTEX, and Magento.
Dedicated Support: Localized expert assistance and customer success management.

Use Cases

Accepting online payments for ecommerce stores in Mexico.
Processing in-person or event payments via QR codes.
Automating recurring collections for subscriptions or tuition fees.
Reducing fraud and chargebacks in digital sales.
Providing Buy Now Pay Later (BNPL) and installment options to customers.
Consolidating payment operations for multi-channel/Mexico-focused businesses.
Ensuring high approval rates for card transactions.
Integrating payment functions via API for fintech or SaaS applications.

Frequently Asked Questions

What are Meses sin intereses?

They are payments divided into monthly installments without generating interest for the client or the business. The business receives the full payment upfront and the issuing bank collects from the customer over the agreed period.

What is the sobretasa?

The sobretasa is an additional charge paid to the issuing bank when using credit for months without interest. It reflects the risk associated with the financed amount and period.

Who pays the sobretasa?

The business offering 'Meses sin intereses' covers the sobretasa, which is added to the commission and not charged to the customer.

When do I receive my first deposit?

Your first deposit is typically reflected in your bank account within the first 10 business days after your initial successful payment.