Mexican Peso (MXN)
Published processing fees and market availability for the Mexican Peso (MXN) across 14 gateways, bank acquirers, and payment rails serving Mexico. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: North America payments guide · All North America currencies
Who serves this currency
All 14 gateways, bank acquirers and wallets serving MXN markets, including providers with published MXN fee schedules (7) and custom/quote-only processors (7).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| StripeMexican cards; IVA (VAT) applies on the fee. | Published fees |
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| NuveiMontreal-based global processor supporting 680+ local payment methods across North America, Europe, LatAm and APAC. Custom interchange-plus pricing. | Serves this market |
| Mercado PagoOnline checkout / payment link; IVA (16%) applies on the fee. | Published fees |
| ConektaCards 3.4% + MX$3 (+16% IVA); OXXO Pay cash voucher 3.9% + IVA; SPEI bank transfer MX$12.50 flat. | Published fees |
| ClipFlat 3.6% (+16% IVA on fee) for POS and online payment links (Links de Pago); 24-hour payout. | Published fees |
| PayUMexico standard plan (+16% IVA on fee). | Published fees |
| KushkiRegional LatAm paytech & direct acquirer founded in Ecuador. Custom enterprise and mid-market pricing across cards, cash vouchers and instant transfers. | Serves this market |
| dLocalNegotiated, contact sales. | Custom pricing |
| EBANXCustom pricing, contact sales. | Custom pricing |
| Getnet (Santander)Getnet Mexico e-commerce checkout (+16% IVA). | Published fees |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalMexican domestic commercial checkout (+16% IVA on fee). | Published fees |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (7 of 14 providers serving MXN). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified MXN rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 14 providers serving MXN.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (7 additional providers serve MXN with custom or quote-only pricing—see all 14 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| StripeMexican cards; IVA (VAT) applies on the fee. | 3.6%+1% international cards | MX$3.00 | n/a | +1% |
| Mercado PagoOnline checkout / payment link; IVA (16%) applies on the fee. | 3.49%+1% international cards | MX$4.00 | n/a | +1% |
| ConektaCards 3.4% + MX$3 (+16% IVA); OXXO Pay cash voucher 3.9% + IVA; SPEI bank transfer MX$12.50 flat. | 3.4%+1% international cards | MX$3.00 | n/a | +1% |
| ClipFlat 3.6% (+16% IVA on fee) for POS and online payment links (Links de Pago); 24-hour payout. | 3.6% | MX$0.00 | n/a | Same rate |
| PayUMexico standard plan (+16% IVA on fee). | 3.5% | MX$4.00 | n/a | Same rate |
| Getnet (Santander)Getnet Mexico e-commerce checkout (+16% IVA). | 3.4% | MX$3.00 | n/a | Same rate |
Compare two MXN card gateways side by side
Wallets & other payment rails (published rates)
Publicly verifiable merchant rates for mobile money, digital wallets and account-to-account rails in MXN.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| PayPalMexican domestic commercial checkout (+16% IVA on fee). | 3.95%+0.5% international cards | MX$4.00 | n/a | +0.5% |
Monthly, plan & setup fees (MXN)
8 of 14 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| StripeStandard pay-as-you-go; Stripe Billing / Radar / custom packages optional | No monthly fee | $0/mo | $0 |
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| NuveiVaries by region & acquiring package | Bank MID / custom | Custom / quote | Custom |
| Mercado PagoPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| ConektaPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| ClipPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| PayUPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| KushkiRegional LatAm enterprise acquiring & aggregator contract | Bank MID / custom | Custom enterprise contract | Custom |
| dLocalCross-border & local LatAm/emerging market enterprise contract; min. volume applies | Bank MID / custom | Custom enterprise contract | Custom |
| EBANXEnterprise cross-border & local rail processing contract | Bank MID / custom | Custom enterprise contract | Custom |
| Getnet (Santander)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
Mexican Peso (MXN) payment gateway FAQs
Which payment gateways and processors serve Mexico (MXN)?
Sympli5 tracks 14 payment gateways, bank acquirers, and payment rails serving Mexico (Mexican Peso, MXN), including Stripe, PayPal, Adyen, Checkout.com, Nuvei, Mercado Pago and 8 others. Of these, 7 publish verifiable standard MXN per-transaction schedules and 7 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Mexican Peso (MXN)?
Among the 7 providers with publicly verified MXN schedules, the lowest headline variable rate starts at 3.4% + MX$3.00 via Conekta. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive MXN calculator on this page to compare exact net payouts.
Do MXN payment gateways charge monthly or setup fees?
Of the 14 providers serving MXN markets, 8 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 6 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for MXN transactions?
An international (foreign-issued) card fee applies when a customer pays your business in MXN using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In MXN, providers like Stripe (+1%), PayPal (+0.5%), Mercado Pago (+1%) add an explicit cross-border card surcharge on top of their domestic rate.