In Mexico it makes sense to offer at least three ways to pay online: card, SPEI bank transfer and cash at a convenience store. EcartPay, a payment gateway based in Monterrey, accepts all three and publishes its fees: from 2.9% + $3.70 MXN + VAT for a domestic card and $10 MXN + VAT for SPEI, as of November 2026. It connects to Shopify and WooCommerce through its plugins; there is no published connector for Odoo, and it connects through its API.
What are the ways to get paid online in Mexico?
The main options are card, SPEI, cash with a reference, and mobile phone payments on Banco de México's infrastructure. Each one suits a different type of customer.
- Credit or debit card. The fastest for the buyer. With a credit card you can offer installments without interest (meses sin intereses).
- SPEI. According to Banxico (Mexico's central bank), it is its payments infrastructure that lets banks and other regulated entities send payments to each other so they can give their customers real-time electronic transfers. Each transfer has a receipt (CEP) with a digital seal that makes it possible to validate its authenticity.
- Cash. The customer receives a reference and pays at a convenience store, such as OXXO. It serves those who do not have a card or do not want to use it online.
- CoDi and DiMo. Two Banxico schemes that run on top of transfers. CoDi collects with a QR code, operates 24/7 and, according to Banxico, its transactions generate no additional fees. DiMo lets you receive transfers by giving only your cell phone number, linked to your account from your bank's app.
What is EcartPay, and what methods does it accept?
EcartPay is a Mexican payment processor (Ecart Pay, S.A.P.I. de C.V.) based in Monterrey. Its app in the Shopify store, published in February 2025, states that it accepts credit or debit card, cash, SPEI, CoDi and DiMo. On its site it also offers payment links, with a fixed or dynamic amount, to collect via WhatsApp or email without having a store.
At NIQERA we work with EcartPay as a partner. What follows is its published information; before signing, ask in writing for the rate that applies to you, the deposit times and the chargeback terms, because its site does not detail them.
How much does EcartPay charge per transaction?
For a domestic card, 2.90% + $3.70 MXN + VAT; for SPEI, a flat fee of $10 MXN + VAT. This is the table from its fees page, accessed in November 2026 (EcartPay may change it without notice):
| Method | Published fee |
|---|---|
| Domestic Visa and Mastercard | 2.90% + $3.70 + VAT |
| Domestic American Express | 3.50% + $3.70 + VAT |
| SPEI transfer | $10.00 + VAT |
| Cash | 2.9% + $7.00 MXN + VAT |
| Cash at OXXO | 4.50% + $7.00 + VAT |
| International Visa and Mastercard | 3.50% + $3.50 + VAT |
| International American Express | 3.50% + $3.70 + VAT |
An example with a $1,000 order: with a domestic card you would pay $32.70 plus VAT; with SPEI, $10 plus VAT. On high-ticket orders, SPEI comes out much cheaper; on low tickets, the difference shrinks. The page does not publish a fee for installments without interest; ask about it separately.
What it costs you: charging everything by card when a portion of your customers, especially businesses, would happily pay by SPEI.
EcartPay or Shopify Payments if I sell on Shopify?
It depends on whether you need SPEI. Shopify Payments in Mexico accepts cards, installments without interest and OXXO, but its Help Center does not mention SPEI. EcartPay does offer it in its checkout for Shopify. In exchange, when you use an external gateway, Shopify charges its third-party transaction fee.
| Item | Shopify Payments (Mexico) | EcartPay on Shopify |
|---|---|---|
| Domestic card | 3.5% + $3 MXN (Basic) to 3.1% + $3 MXN (Plus) | 2.90% + $3.70 + VAT |
| SPEI | Not listed among its methods for Mexico | $10.00 + VAT |
| OXXO | Yes, from 10 to 10,000 MXN | 4.50% + $7.00 + VAT |
| Extra Shopify fee | No | 2% (Basic), 1% (Grow), 0.6% (Advanced), 0.2% (Plus) |
Shopify's page does not clarify whether its rates include VAT; EcartPay publishes them as "+ VAT". Compare using your real payment mix and your plan. On a Basic plan, the extra 2% can eat up the difference on cards; on Advanced or Plus, it weighs little. If you are still deciding on a platform, read Shopify or the Odoo store.
Does EcartPay work with Shopify, WooCommerce or Odoo?
With Shopify and WooCommerce, yes, with published plugins; with Odoo, it connects through its API. This is what its integrations page says:
- Shopify: two options. "Checkout Transparente", cards only; and "Checkout Ecart Pay", with cards, cash and SPEI.
- WooCommerce, PrestaShop and VTEX: plugins with an install button; the page does not detail which methods each one includes.
- Tiendanube: cards.
- API: EcartPay offers a documented API to connect your store or your software.
Odoo does not appear on EcartPay's integrations list, and EcartPay is not among the 21 gateways that the Odoo 20 documentation integrates out of the box. Connecting them requires development on the API. If your store is on Odoo and you do not want development, Odoo comes with Mercado Pago, Stripe, PayPal and manual bank transfer.
Which payment method should you offer depending on your customer?
| Your customer | Offer first | Why |
|---|---|---|
| Consumer with a card | Card and installments without interest | Buys in seconds |
| Business buying in volume | SPEI | Flat fee and a verifiable CEP receipt |
| Customer without a card or wary of paying online | Cash with a reference | Pays at the corner store |
| Sale over WhatsApp or phone | Payment link | You do not need an online store |
With cash you have to wait: the customer pays later and the order stays pending. In Shopify, for example, the OXXO code is valid for 5 days. Do not ship until you see the payment confirmed.
How are payments recorded in your ERP?
Each payment should be tied to its order and its invoice without anyone having to hunt for it by hand in the bank statement. With cards, confirmation usually arrives at the moment of payment. With SPEI and cash, confirmation arrives later, and that is where "paid" orders that nobody sees tend to show up.
An example of why it matters: Odoo's documentation states that if the customer pays by manual transfer, the store order is not confirmed on its own, and inventory is not reserved until someone records the payment and confirms the order. If you receive many transfers, it makes sense for the gateway to notify the ERP when the money arrives. This is how the complete flow of an order with no manual entryis built; if you want to automate that connection, look at automation or the Odoo implementation.
What mistakes are common when choosing a gateway?
- Looking only at the percentage. Add the flat fee, the VAT on the fee and, in Shopify, the external gateway charge.
- Not asking about deposits and chargebacks. When you get paid and what happens if a customer disputes a charge weigh as much as the fee.
- Offering a single method. The customer who has no card walks away.
- Shipping before confirming payment on cash or transfer orders.
Glossary
- Payment gateway
- A service that processes the online payment and deposits the money to you, minus its fee.
- SPEI
- Sistema de Pagos Electrónicos Interbancarios (interbank electronic payment system), operated by Banco de México.
- CEP
- Comprobante Electrónico de Pago, the electronic payment receipt of a SPEI transfer, with a verifiable digital seal.
- CoDi
- Cobro Digital (Digital Collection): Banxico's platform for collecting with a QR code or NFC from a cell phone.
- DiMo
- Banxico's scheme for receiving transfers with your cell phone number.
- Chargeback
- When a cardholder disputes a charge and the bank reverses the payment.
Frequently asked questions
How much does EcartPay charge for cards?
According to its fees page, as of November 2026: 2.90% + $3.70 + VAT for domestic Visa and Mastercard and 3.50% + $3.70 + VAT for domestic American Express.
Does EcartPay accept SPEI and cash?
Yes. It publishes $10.00 + VAT for SPEI, 2.9% + $7.00 + VAT for cash and 4.50% + $7.00 + VAT for cash at OXXO.
Can I use EcartPay on Shopify?
Yes, with its app in the Shopify App Store. EcartPay's checkout accepts cards, cash and SPEI. Shopify separately charges its third-party transaction fee according to your plan.
Does EcartPay integrate with Odoo?
There is no published connector from either EcartPay or Odoo. It connects through EcartPay's API, which requires custom development.
Does CoDi charge a fee?
Banxico states that CoDi transactions generate no additional fees. Check with your bank or your gateway whether they charge for the service.
Sources: EcartPay, "Comisiones más bajas", accessed November 2026 · EcartPay, "Procesador de pagos", accessed November 2026 · EcartPay, "Integra tu tienda en línea" · EcartPay, "Integraciones" · Shopify App Store, "Ecart Pay", accessed November 2026 · Banco de México, "Banxico Contigo: glosario" · Banco de México, "CoDi, Cobro Digital" · Banco de México, "MI SPEI" · Shopify, "Precios" (Mexico), accessed November 2026 · Shopify Help Center, "Shopify Payments Mexico: payment methods" · Shopify Help Center, "OXXO" · Odoo 20.0 Documentation, "Online payments" · Odoo 20.0 Documentation, "Order handling"
