Payment Gateways for Mexican E-commerce
Integration of OXXO Pay, SPEI, MercadoPago, Stripe and credit/debit cards. PCI DSS compliance, ML anti-fraud and automated reconciliation. ARIA agents for fraud scoring and conversion optimization.
The problem
Your checkout is losing sales you already had won
Every missing payment method, every second of friction and every fraud false positive is money left on the table.
Checkout with high abandonment rate
You only accept credit cards in a country where 60% of e-commerce transactions are cash or transfer. Every missing method is direct lost conversion.
Uncontrolled fraud and chargebacks
Without a strong anti-fraud system, chargebacks eat into margins. Fraudulent transactions that pass and legitimate transactions that get unjustly rejected.
Manual and costly reconciliation
Each gateway generates its own report. Reconciling OXXO, SPEI, card and marketplace payments against the ERP takes days and entire accounting teams.
PCI DSS non-compliance risk
Card data in your infrastructure without proper tokenization. Each security breach can result in fines, lawsuits and total loss of trust.
Slow and high-friction checkout
Multiple steps, long forms and redirects to external pages. Each additional second in checkout reduces conversion by 7%.
Manual refunds and disputes
Each refund requires manual intervention per gateway. Disputes are managed without automation and without centralized evidence.
Capabilities
Complete, secure and optimized payments for Mexico
All the payment methods your customers need, with the security your business requires.
Multiple Local Payment Methods
Credit/debit card, OXXO Pay, SPEI, MercadoPago, Stripe, PayPal, Conekta, months without interest and CoDi.
PCI DSS Compliant Architecture
Sensitive data tokenization, card data outside your infrastructure and certified compliance with security standards.
Advanced Anti-fraud Engine
Configurable rules, risk scoring, device fingerprint, geolocation, velocity checks and 3D Secure 2.0 validation.
Automated Reconciliation
Automatic daily reconciliation of all gateways against SAP/ERP. Differences detected and alerted without human intervention.
Conversion-optimized Checkout
One-click payment, guest checkout, saved methods, months without interest and automatic detection of user's preferred method.
Transaction Dashboards
Real-time reports: approval rate, fraud, chargebacks, reconciliation and conversion per payment method.
International Payments
Multi-currency, cross-border processing and international payment methods for expansion outside Mexico.
Native Mobile Payments
Apple Pay, Google Pay and integrated digital wallets for a frictionless mobile payment experience.
Automated Refund Management
Automated return flows, partial/full refund and dispute management with centralized evidence.
Recurring Payments and Subscriptions
Subscription engine with automatic billing, smart retries and expired card management.
ARIA: AI that protects and optimizes your payments
ARIA agents that learn from every transaction to detect fraud with greater precision, optimize approval rates and automate financial reconciliation.
ML fraud scoring
Machine learning models trained on Mexican transaction data to detect fraud with over 95% accuracy without rejecting legitimate transactions.
Approval rate optimization
ARIA analyzes rejection patterns by issuer and automatically adjusts submission parameters to maximize approval rate.
Intelligent reconciliation
Agents that automatically cross-reference transactions from multiple gateways against the ERP, identifying discrepancies and suggesting resolution.
Methodology
From audit to go-live in 6 phases
A rigorous process that guarantees security, compliance and optimal conversion from day one.
Payment Audit
We analyze current approval rate, accepted methods, checkout abandonment rate, chargebacks and reconciliation flow. Benchmark against best practices.
Solution Design
We select optimal gateways, design checkout flow, define anti-fraud rules, PCI DSS architecture and reconciliation strategy.
Gateway Integration
We integrate each gateway with complete flow testing: successful payment, rejection, refund, partial payment and timeout. APIs and webhooks configured.
Anti-fraud and Security
We configure anti-fraud rules, 3D Secure 2.0, tokenization and penetration tests. We validate complete PCI DSS compliance.
Load Testing and Go-live
Load tests simulating Hot Sale/Buen Fin, end-to-end validation with real transactions and progressive production activation.
Continuous Optimization
Conversion monitoring, anti-fraud rule adjustment, approval rate optimization and data-driven payment method evolution.
Tech stack
Payment ecosystem we master
| Category | Technologies |
|---|---|
| Gateways | StripeMercadoPagoConektaOpenPayPayPal |
| Local Methods | OXXO PaySPEICoDiMeses sin intereses |
| Security | PCI DSS3D Secure 2.0TokenizationWAF |
| Wallets | Apple PayGoogle PaySamsung Pay |
| ERP | SAP FISAP CPIOracle Financials |
| Monitoring | DatadogPagerDutyGrafanaCustom Dashboards |
Case studies
Optimized payments in Mexican companies
Construrama - Hardware Store Payments
We integrated the payment gateway for 1,500+ hardware stores enabling card, OXXO and SPEI. Payment methods that hardware customers actually use in Mexico.
Soriana - Omnichannel Checkout
Checkout redesign for Soriana e-commerce and app. Integration of 6 payment methods, months without interest, ML anti-fraud and automated reconciliation against SAP FI.
Grupo Salinas - Recurring Payments
Recurring payment engine for subscription services with smart retries, expired card management and automatic multi-gateway reconciliation.
Comparison
Payments with iTechDev vs Basic integration
| Aspect | iTechDev | Basic |
|---|---|---|
| Payment methods | 8+ methods including OXXO, SPEI, CoDi and wallets | Credit/debit card only |
| Anti-fraud | ML + configurable rules + 3D Secure 2.0 | Basic static rules |
| Reconciliation | Automated daily against SAP/ERP | Manual with Excel and days of delay |
| PCI DSS | Tokenized architecture, zero card data in your infra | Card data on own servers |
| Checkout UX | One-click, guest checkout, saved methods | Long form with external redirect |
| ARIA / AI | ML fraud scoring and approval rate optimization | No applied artificial intelligence |
| Refunds | Automated flows with dispute management | Manual process per gateway |
Deliverables
What you receive in every implementation
Industries
Payments for your industry
Frequently asked questions
We answer your payment questions
What payment methods should I offer in Mexico?
Minimum: credit/debit card, OXXO Pay and SPEI. Ideal: add MercadoPago, months without interest and CoDi. These methods cover 90%+ of Mexican buyers. The optimal mix depends on your audience and we define it with data during the audit.
Do I need PCI DSS certification?
If you process cards, yes. We design the architecture so you never touch card data through tokenization. This drastically reduces your PCI scope to SAQ-A and considerably simplifies compliance.
How do you reduce chargebacks?
We implement 3D Secure 2.0, behavior-based anti-fraud rules (device fingerprint, velocity, geolocation), ML risk scoring and early alerts. We typically reduce chargebacks by 60-80% without affecting conversion.
Does it integrate with SAP for reconciliation?
Yes. We generate automatic daily reconciliation between all gateways and SAP FI. No Excel, no manual work. Differences detected automatically with alerts to the finance team.
How long does gateway integration take?
Single gateway: 3-4 weeks. Complete solution with multiple methods, anti-fraud and reconciliation: 8-12 weeks. Includes end-to-end testing and load tests before go-live.
Do you support international and multi-currency payments?
Yes. With Stripe and PayPal we process payments in multiple currencies and countries. We configure currency conversion, local taxes and region-specific payment methods.
Accept the payment methods your customers use
Free checkout audit. We show you how much you're losing from missing payment methods and process friction.