Power your Mexico operations with real-time, 24/7 payments via SPEI

Cobre connects your business to Mexico’s real-time payment rails — fast, flexible, and always on.
100%
financial visibility
20M+
transactions
$10B+
USD processed

Full control over money movement in Mexico

Seamless access to SPEI

Send and receive interbank transfers in Mexico 24/7 — with full visibility and no delays via SPEI (Interbank Electronic Payment System).

Wallets built for automatic reconciliation

Create unlimited CLABE accounts instantly and organize them by user, project, or department.

Real-time control over your collections

Return funds, disconnect CLABE accounts, and manage inbound payments from a single platform.

Choose how to use Cobre in Mexico:

Management from the Cobre Portal

Manage your payment disbursements:
Initiate unit movements or perform mass uploads using files to process thousands of money outputs simultaneously.
Apply governance controls
Enable approval flows and segment your team's roles to protect sensitive movements.
Manage counterparties:
Centralize the registration of your frequent commercial partners to validate and reuse account details without manual reprocessing.

Cobre API integration

Automate money movements:
Initiate unit operations or execute mass money movements programmatically.
Connect local rails:
Execute collections and disbursements by connecting directly with the US infrastructure.
Validate information
Automate account verification to ensure that recipient information matches official records before executing a movement.

Why do teams choose Cobre to power payments in Mexico?

Run payments and collections in Mexico with full visibility, automation, and scale — all from a single platformthat adapts to your teams, departments, or workflows.
Pagos en tiempo real
  • Reduce tiempos de 6 horas a menos de 10 minutos.
  • Optimiza tu flujo de caja con disponibilidad inmediata
Pagos en tiempo real
  • Reduce tiempos de 6 horas a menos de 10 minutos.
  • Optimiza tu flujo de caja con disponibilidad inmediata
Pagos en tiempo real
  • Reduce tiempos de 6 horas a menos de 10 minutos.
  • Optimiza tu flujo de caja con disponibilidad inmediata

Real-world results: How leading companies run payments in Mexico with Cobre

Solvento
Loan & payroll deduction platforms
How they use Cobre?
Disbursements in seconds and efficient collections, overcoming bank schedule limitations.
Galilea
Urban mobility platforms
How they use Cobre?
Enabled instant, secure payments to drivers with automated flows and centralized control.
99 minutos
Logistics & delivery companies
How they use Cobre?
Streamlined payouts to local carriers and suppliers, cutting operational costs and speeding up payment cycles.
Dropi

Bank-Grade Protection Powered by AI

Certificaciones que validan nuestra infraestructura:
ISO
ISO 27001:2022
Gestión integral de la seguridad de la información.
AICPA SOC 2
SOC 2 Type II
Control riguroso sobre datos sensibles en entornos cloud.
PCI
PCI DSS v4.0.1
Cumplimiento para la protección de información de tarjetas.
ISO
ISO 27001:2022
Gestión integral de la seguridad de la información.
AICPA SOC 2
SOC 2 Type II
Control riguroso sobre datos sensibles en entornos cloud.
PCI
PCI DSS v4.0.1
Cumplimiento para la protección de información de tarjetas.
Protección de nivel bancario impulsada por IA para que tus pagos fluyan con confianza
Proactive Compliance
Every transaction is monitored with predictive AI that exceeds global standards, blocking risks before they happen.
Dynamic Decision Engine
Millisecond-level evaluations to secure transactions without disruptions.
24/7 Intelligent Monitoring
Real-time anomaly detection with instant threat response.

FAQ’s about Local Payments in Latin America

What is SPEI and how does it work in Mexico?

SPEI (Interbank Electronic Payment System) is Mexico’s real-time bank transfer network, operated by the Bank of Mexico. It enables individuals and businesses to send and receive funds between Mexican bank accounts instantly — 24/7, 365 days a year.

With Cobre, your company can tap into SPEI to automate payments and improve financial operations with speed and reliability.

How can companies integrate SPEI payments?

Cobre makes integration fast and secure. Whether through our API or no-code portal, you can automate bulk payments, schedule transfers, and receive real-time confirmations — all while eliminating manual workflows.

Can I automate my supplier disbursements on a large scale?

Yes, you upload files for mass money movements, apply approval flows, and track the status of thousands of simultaneous money outputs from the portal or through our API.

What does 24/7 access to SPEI mean, and how does Cobre provide it?

SPEI 24/7 means your business can send and receive transfers any day, at any hour — even weekends and holidays. Cobre connects directly to SPEI so your operations run without delays or cutoffs.

What’s the best way to automate SPEI payments in Mexico?

The most efficient way is with a platform like Cobre. We give your business access to Mexico’s real-time payments system with tools to automate individual or bulk transfers, schedule disbursements, and run 24/7 — without depending on traditional banking hours.

How can I receive payments automatically in Mexico using Cobre?

Cobre lets you generate unique CLABE accounts for each client, project, or transaction. This enables automated collections, real-time reconciliation, and direct syncing with your ERP or accounting system.

Which banks can Cobre connect to?

Cobre Connect currently integrates with major banks in Latin America, including Bancolombia and BBVA Colombia, among others; and Santander, BBVA, and Banorte in Mexico.

What are the benefits of automatic reconciliation with Cobre?

With Cobre, each incoming transfer is automatically identified and linked to the corresponding client or invoice. This eliminates manual work reviewing bank statements, reduces errors, and improves your finance team’s efficiency.

Is it safe to operate with Cobre for business payments?

Our platform implements advanced security measures including two-factor authentication, SSL encryption, and complies with the Bank of Mexico’s security standards for SPEI transactions.

Let’s Talk About Optimizing Your Payments

Fill out the form and we’ll get in touch within 24 business hours.
+3x
faster payment processing.
+2x
fewer transactional errors with Cobre’s APIs.
-50h
hours saved per month on reconciliation, now automated.
+3x
faster payment processing.
+2x
+2x
-50h
hours saved per month on reconciliation, now automated.