Payment Gateways for E-commerce
Integration of OXXO Pay, SPEI, MercadoPago, Stripe and credit/debit cards. PCI DSS compliance, anti-fraud and automated reconciliation for Mexican retail.
The problem
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 lost conversion.
Uncontrolled fraud and chargebacks
Without a strong anti-fraud system, chargebacks eat into margins. Fraudulent transactions that pass, legitimate transactions that get 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 teams.
Our solution
Methodology
Payment audit
We analyze current approval rate, accepted methods, abandonment rate, chargebacks and reconciliation flow.
Solution design
We select gateways, design checkout flow, define anti-fraud rules and PCI DSS architecture.
Integration & testing
We integrate each gateway, test complete flows (payment, rejection, refund, reconciliation) and load test.
Go-live & optimization
Production activation with conversion monitoring, approval rate and chargebacks. Continuous rule optimization.
Tech stack
Reference case
Construrama
We integrated the payment gateway for Construrama, enabling card, OXXO and SPEI payments for 1,500+ hardware stores. Result: +25% online sales by offering local payment methods their customers actually use.
Frequently asked questions
What payment methods should I offer in México?
Minimum: credit/debit card, OXXO Pay and SPEI. Ideal: add MercadoPago, months without interest and CoDi. The mix depends on your audience, but these 3 cover 90%+ of Mexican buyers.
Do I need PCI DSS certification?
If you process cards, yes. We design the architecture so you never touch card data (tokenization). This drastically reduces your PCI scope and simplifies compliance.
How do you reduce chargebacks?
We implement 3D Secure, behavior-based anti-fraud rules (device fingerprint, velocity, geolocation) and risk scoring. We typically reduce chargebacks by 60-80%.
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.
Accept the payment methods your customers use
Free checkout audit. We show you how much you're losing from missing payment methods.