---
updatedAt: 2026-04-17T22:31:06.000Z
agentTools:
  projectIndex: https://docs.dlocal.com/llms.txt
---

# Mexico

Learn everything you need to know to make payouts in Mexico with dLocal.

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***

# Market specifications

Do you want to know more information about Mexico's market? Go to the [Mexico’s economy and eCommerce market](https://dlocal.com/payment-processors-in-latin-america/mexico-payment-methods-processors-ecommerce-market-dlocal/) article.

> ***Demerge Mexico S.A. de C.V.** is a company incorporated in Mexico and registered with the National Banking and Securities Commission (CNBV) and Banco de México as a Payment Aggregator.*

## Country reference

| `country` code | `currency` code | `amount` decimals | `beneficiary.document.type` name |                    `beneficiary.document.id` format                   |
| :------------: | :-------------: | :---------------: | :------------------------------: | :-------------------------------------------------------------------: |
|      `MX`      |      `MXN`      |         2         |            CURP or RFC           | Between 10 to 18 characters for CURP and 12 or 13 characters for RFC. |

## Mandatory parameters

### Bank transfers

| Bank transfer parameters           | B2C | B2B |                P2P                |
| :--------------------------------- | :-: | :-: | :-------------------------------: |
| `external_id`                      | Yes | Yes |                Yes                |
| `payment_method_id`                | Yes | Yes |                Yes                |
| `flow_type`                        | Yes | Yes |                Yes                |
| `purpose`                          | Yes | Yes |                Yes                |
| `country`                          | Yes | Yes |                Yes                |
| `currency`                         | Yes | Yes |                Yes                |
| `amount`                           | Yes | Yes |                Yes                |
| `beneficiary.first_name`           | Yes |  -  |                Yes                |
| `beneficiary.last_name`            | Yes |  -  |                Yes                |
| `beneficiary.business_name`        |  -  | Yes |                 -                 |
| `beneficiary.bank_account.code`    | Yes | Yes |                Yes                |
| `beneficiary.bank_account.account` | Yes | Yes |                Yes                |
| `beneficiary.address.street`       |  -  |  -  |                Yes                |
| `beneficiary.address.city`         |  -  |  -  |                Yes                |
| `remitter.first_name`              |  -  |  -  |                Yes                |
| `remitter.last_name`               |  -  |  -  |                Yes                |
| `remitter.document.type`           |  -  |  -  | Yes (if amount exceeds USD 2.999) |
| `remitter.document.id`             |  -  |  -  | Yes (if amount exceeds USD 2.999) |
| `remitter.address.country`         |  -  |  -  |                Yes                |

***

# Payment methods

Mexico supports payouts via Bank Transfers and Cards. These methods require specific parameters and follow validation rules aligned with local compliance and banking standards.

## Bank transfers

Bank transfers in Mexico require detailed account information, bank account, currency, and amount. The format of these fields depends on the receiving bank, and strict validation rules apply.

Refer to the [bank account validations](#bank-account-validations) and [bank codes](#bank-codes) sections for format specifications.

### Mandatory parameters

All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.

| Mandatory parameter                | Description                                                                                                                                                     |
| :--------------------------------- | :-------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `external_id`                      | Payout identification at the merchant's end. Maximum 100 characters.                                                                                            |
| `payment_method_id`                | Payment method. For bank transfers, use `BANK_TRANSFER`.                                                                                                        |
| `flow_type`                        | Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).                                        |
| `purpose`                          | Payout purpose code. See [purpose codes reference](https://docs.dlocal.com/docs/purpose-codes-reference-v3).                                                                             |
| `amount`                           | Payout amount (in the currency set in the `currency` field). Use up to 2 decimal places.                                                                        |
| `country`                          | Country code. For Mexico, use `MX`.                                                                                                                             |
| `currency`                         | Payout currency. For Mexico, use `MXN` or `USD`.                                                                                                                |
| `beneficiary.first_name`           | Beneficiary's first name. Maximum 50 characters.                                                                                                                |
| `beneficiary.last_name`            | Beneficiary's last name. Only applies when the beneficiary is an individual. Maximum 50 characters.                                                             |
| `beneficiary.business_name`        | Beneficiary's business name.                                                                                                                                    |
| `beneficiary.bank_account.account` | Beneficiary's bank account number. See [bank account validations](#bank-account-validations) below.                                                             |
| `beneficiary.address.street`       | Beneficiary’s address street. Maximum 200 characters.                                                                                                           |
| `beneficiary.address.city`         | Beneficiary’s address city. Maximum 40 characters.                                                                                                              |
| `remitter.first_name`              | Remitter's first name. Maximum 50 characters.                                                                                                                   |
| `remitter.last_name`               | Remitter's last name. Maximum 50 characters.                                                                                                                    |
| `remitter.document.type`           | Remitter's document type: `ID` for national identification number, `PASS` for passport, `LABOR` for labor card / ID. Mandatory if the amount exceeds USD 2.999. |
| `remitter.document.id`             | Remitter's document number. Maximum 45 characters. Mandatory  if the amount exceeds USD 2.999.                                                                  |
| `remitter.address.country`         | Remitter's country code in ISO 3166-1 alpha-2 format.                                                                                                           |

### Example request

```json Bank transfers - B2C
{
  "external_id": "1234567812345678b",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "country": "MX",
  "currency": "MXN",
  "amount": 2977.89,
  "purpose": "OTHER_SERVICES",
  "beneficiary": {
    "first_name": "JUAN",
    "last_name": "PEREZ",
    "bank_account": {
      "account": "722969010294061691"
    }
  }
}
```
```json Bank transfers - P2P (amount < USD 3k)
{
  "external_id": "p2p-tx-low-amount-001",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "MX",
  "currency": "USD",
  "amount": 500,
  "beneficiary": {
    "first_name": "Maria",
    "last_name": "Gonzalez",
    "bank_account": {
      "code": "012",
      "account": "722969010294061691"
    },
    "address": {
      "street": "Calle Ficticia 123",
      "city": "Mexico City"
    }
  },
  "remitter": {
    "first_name": "Jose",
    "last_name": "Silva",
    "address": {
      "country": "BR"
    }
  }
}
```
```json Bank transfers - P2P (amount > USD 3k)
{
  "external_id": "p2p-tx-high-amount-002",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "MX",
  "currency": "USD",
  "amount": 3500,
  "beneficiary": {
    "first_name": "Maria",
    "last_name": "Gonzalez",
    "bank_account": {
      "code": "012",
      "account": "722969010294061691"
    },
    "address": {
      "street": "Calle Ficticia 123",
      "city": "Mexico City"
    }
  },
  "remitter": {
    "first_name": "Jose",
    "last_name": "Silva",
    "document": {
      "type": "ID",
      "id": "06918469244"
    },
    "address": {
      "country": "BR"
    }
  }
}
```
```json Bank Transfer - B2B
{
  "external_id": "12345678123456785",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2B",
  "country": "MX",
  "currency": "MXN",
  "amount": 2977.89,
  "purpose": "OTHER_SERVICES",
  "beneficiary": {
    "business_name": "JUAN INC",
    "bank_account": {
      "account": "722969010294061691"
    }
  }
}
```

<br />

## Cards

Card transfers in Mexico require the number of the card, bank code, currency, and amount. The format of these fields depends on the receiving bank, and strict validation rules apply.

Refer to the [bank account validations](#bank-account-validations) and [bank codes](#bank-codes) sections for format specifications.

### Mandatory parameters

All fields listed below are required for card payouts. For successful processing, ensure correct formatting and value types.

| Mandatory parameter             | Description                                                                                                                                                                                            |
| ------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| `external_id`                   | Payout identification at the merchant's end. Maximum 100 characters.                                                                                                                                   |
| `payment_method_id`             | Payment method. For cards, use `CARD`.                                                                                                                                                                 |
| `flow_type`                     | Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).                                                                               |
| `purpose`                       | Payout purpose code. See [purpose codes reference](https://docs.dlocal.com/docs/purpose-codes-reference-v3) .                                                                                                                   |
| `amount`                        | Payout amount (in the currency set in the `currency` field). Use up to 2 decimal numbers.                                                                                                              |
| `country`                       | Country code. For Mexico, use `MX`.                                                                                                                                                                    |
| `currency`                      | Payout currency. For Mexico, use `MXN` or `USD`.                                                                                                                                                       |
| `beneficiary.first_name`        | Beneficiary's first name. Maximum 50 characters.                                                                                                                                                       |
| `beneficiary.last_name`         | Beneficiary's last name. Only applies when the beneficiary is an individual. Maximum 50 characters.                                                                                                    |
| `beneficiary.bank_account.code` | Beneficiary's bank account code. See [bank codes](#bank-codes) below.                                                                                                                                  |
| `beneficiary.card.number`       | Beneficiary's card number.                                                                                                                                                                             |
| `beneficiary.address.street`    | Beneficiary address information. Mandatory only for remittance (P2P).                                                                                                                                  |
| `beneficiary.address.city`      | Beneficiary's address city. Maximum 100 characters. Mandatory only for remittance (P2P).                                                                                                               |
| `remitter.first_name`           | Remitter's first name. Mandatory for Remittance (P2P).                                                                                                                                                 |
| `remitter.last_name`            | Remitter's last name. Mandatory for Remittance (P2P).                                                                                                                                                  |
| `remitter.document.type`        | Remitter's document type: `ID` for national identification number, `PASS` for passport, `LABOR` for labor card / ID. Mandatory only for remittance (P2P) transactions if the amount exceeds USD 2.999. |
| `remitter.document.id`          | Remitter's document ID or number. Maximum 45 characters. Mandatory only for remittance (P2P) transactions if the amount exceeds USD 2.999.                                                             |
| `remitter.address.street`       | Remitter’s address street.. Maximum 200 characters. Mandatory only for remittance (P2P).                                                                                                               |
| `remitter.address.city`         | Remitter's address city. Maximum 40 characters. Mandatory only for remittance (P2P).                                                                                                                   |

### Example request

```json Cards - B2C
{
  "external_id": "1234567812345678b",
  "payment_method_id": "CARD",
  "flow_type": "B2C",
  "country": "MX",
  "currency": "MXN",
  "amount": 2977.89,
  "purpose": "OTHER_SERVICES",
  "beneficiary": {
    "first_name": "JUAN",
    "last_name": "PEREZ",
    "bank_account": {
      "code": "137"
    },
    "card": {
      "number": "4111111111111111"
    }
  }
}
```

#

# Bank information

Access the reference formats and accepted values required for processing bank payouts in Mexico.

<br />

<details>
<summary class="summary_head">

## Bank account validations

</summary>

<br />

| Validation   | Name  | Length | Type    | Verification digit           | Example            |
| ------------ | ----- | ------ | ------- | ---------------------------- | ------------------ |
| Bank account | CLABE | 18     | numeric | Apply verification algorithm | 032180000118359719 |

<br />

</details>

***

<details>
<summary class="summary_head">

## Bank codes

</summary>

<br />

Check below the different values that `beneficiary.bank_account.code` parameter can take in Mexico.

| Bank Name                           | Bank Code |
| ----------------------------------- | :-------: |
| ABC Capital                         |    138    |
| Actinver                            |    133    |
| Afirme                              |     62    |
| Albo                                |    721    |
| Arcus                               |    706    |
| Autofin                             |    128    |
| Azteca                              |    127    |
| BaBien                              |    166    |
| Bajio                               |     30    |
| Banamex                             |     2     |
| Bancomext                           |     6     |
| Bancoppel                           |    137    |
| Banjercito                          |     19    |
| Banobras                            |     9     |
| Banorte                             |     72    |
| Banregio                            |     58    |
| Bansi                               |     60    |
| BANXICO                             |     1     |
| Barclays                            |    129    |
| Bbase                               |    145    |
| BBVA Bancomer                       |     12    |
| BMonex                              |    112    |
| BMultiva                            |    132    |
| Banco Covalto                       |    154    |
| Banco S3                            |    160    |
| Banco Sabadell                      |    156    |
| Bancrea                             |    152    |
| Bank of America                     |    106    |
| Bank of China                       |    159    |
| Bankaool                            |    147    |
| Caja Pop Mexicana                   |    677    |
| Caja Telefonistas                   |    683    |
| Cartera Digital                     |    715    |
| Citi                                |    124    |
| CLS                                 |    901    |
| CoDi Valida                         |    903    |
| Compartamos                         |    130    |
| Consubanco                          |    140    |
| Credicapital                        |    652    |
| Crediclub                           |    688    |
| Cristobal Colon                     |    680    |
| Cuenca                              |    723    |
| Donde                               |    151    |
| Finamex                             |    616    |
| Fincomun                            |    634    |
| FOMPED                              |    689    |
| Fondeadora                          |    699    |
| Fondo (FIRA)                        |    685    |
| GBM                                 |    601    |
| Hey Banco                           |    167    |
| Hipotecaria Federal                 |    168    |
| HSBC                                |     21    |
| ICBC                                |    155    |
| Inbursa                             |     36    |
| Indeval                             |    902    |
| Inmobiliario                        |    150    |
| Invex                               |     59    |
| JP Morgan                           |    110    |
| Klar                                |    661    |
| Kuspit                              |    653    |
| Libertad                            |    670    |
| Masari                              |    602    |
| Mercado Pago                        |    722    |
| MexPago                             |    720    |
| Mifel                               |     42    |
| Mizuho Bank                         |    158    |
| Monexcb                             |    600    |
| MUFG                                |    108    |
| Nafin                               |    135    |
| Nu Bank                             |    638    |
| NVIO                                |    710    |
| Opciones Empresariales del Noroeste |    659    |
| Pagatodo                            |    148    |
| Peibo                               |    732    |
| Profuturo                           |    620    |
| Santander                           |     14    |
| Scotiabank                          |     44    |
| Shinhan                             |    157    |
| SPIN BY OXXO                        |    728    |
| STP                                 |    646    |
| Tesored                             |    703    |
| Transfer                            |    684    |
| Unagra                              |    656    |
| Valmex                              |    617    |
| Value                               |    605    |
| Ve Por Mas                          |    113    |
| Vector                              |    608    |
| Volkswagen                          |    141    |

<br />

</details>