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ConektaC64

Payment Processor · Mexican online businesses that want cards, meses sin intereses, SPEI, store cash payments and buy now, pay …

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Overview

Conekta is a credible, Mexico-only online processor with an unusually complete set of local payment methods and a pricing page that publishes its rates, instalment surcharges and cash fees in full. The headline card rate is not cheap once IVA is added: 3.4% + MX$3 becomes about 3.94% + MX$3.48. Meses sin intereses surcharges run from 3.5% to 26.5% on top of that. We hold the grade at B- for four reasons. Conekta can no longer offer OXXO for cash payments, which was once its best-known feature. The terms allow reserves of up to 540 days and one-sided changes on short notice. The little public review data there is skews negative. And its new direct-acquirer status is only weeks old, with nothing yet showing what it changes for merchants.

Best for: Mexican online businesses that want cards, meses sin intereses, SPEI, store cash payments and buy now, pay later through one integration and one contract, at published rates, with no monthly fee or fixed term.

Strengths

  • + Publishes its full rate card in MX$, including meses sin intereses surcharges by bank, and states clearly that IVA is added
  • + One integration covers cards, instalments, SPEI, store and BBVA cash, BBVA pay-by-bank, Apple Pay, Google Pay and buy now, pay later
  • + No monthly fee and no fixed term: either side can end the agreement on 30 days' notice
  • + Card sales are deposited two business days later, and a fee increase lets you leave without penalty
  • + Processing online payments in Mexico since 2013, and in September 2026 it announced CNBV authorisation as a direct non-bank acquirer

Trade-offs

  • – OXXO cash payments went with the 2024 sale of Conekta's cash business to FEMSA, and OXXO is missing from the current cash network
  • – With 16% IVA the card rate is about 3.94% + MX$3.48, and long instalment plans can cost a merchant over a quarter of the sale
  • – The terms allow reserves of up to 540 days after a transaction and one-sided changes on 10 days' notice
  • – Little independent review data, and what exists is poor: 1 star from 7 reviews on the Shopify App Store
  • – Mexico only: no published rate for foreign cards, and no card terminals for in-person sales

Fees in detail

  • Online rate: 3.4% + MX$3 + IVA per card sale (Mexico)
  • International: Conekta accepts Visa, Mastercard, American Express and JCB credit cards issued abroad, but publishes no separate rate for them. Its help cen
  • Contract: Indefinite; 30 days' notice to end

Standard published rate for a domestic online card payment. Confirm current pricing on Conekta's pricing page.

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