12 best payment gateways in Mexico: Guide 2025

Payment gateways have become indispensable tools for facilitating secure and reliable electronic transactions in Mexico. 

In this article you will learn which are the most used in the country, their rates, integration methods and technical support channels, so that you can choose the best option for your company.

1. Rebill
2. Mercado Pago
3. Paypal
4. Stripe
5. Conekta
6. Openpay
7. Kueski Pay
8. 2Checkout/Verifone
9. PayU
10. Mr. Payment
11. Kushki
12. CoDi

What is a payment gateway?

A payment gateway is a service that processes credit card, debit card, bank transfer and other payment methods for online and physical businesses. It functions as an intermediary that connects merchants, buyers, banks and payment processors to facilitate electronic transactions in a secure manner.

The process is simple. When you make an online purchase, the payment gateway:

• Encrypts sensitive buyer information
• Authorizes the transaction with the issuing bank
• Confirms approval or rejection of payment
• Facilitates the transfer of funds to the merchant

All of this happens in a matter of seconds, improving the customer's shopping experience.

Advantages of using a payment gateway

Implementing a payment gateway brings key benefits to any e-commerce or digital business:

• Transaction security: gateways apply security standards such as encryption and protocols such as PCI DSS to protect sensitive data.
• Higher conversion: by offering multiple payment methods, churn is reduced, as the payment process becomes fast, intuitive and reliable.
• Automation and efficiency: Manual collection and reconciliation processes are eliminated.
• Scalability: Allows to operate in different countries, offer different payment methods and currencies (ideal for businesses with international focus or subscriptions).
• Analysis: Allows obtaining real-time information for transaction analysis, projections, etc.

Best payment gateways in Mexico: Which one to choose?

1. Rebill

Rebill is a payment platform designed for companies with high transactional volume, whether they operate in Chile or want to expand to other Latin American markets. They specialize in industries such as SaaS, EdTech, HealthTech and eCommerce. 

It stands out for its customizable checkout system, driven by intelligent rules that can improve the conversion rate by up to 35%. This optimization is key to adapt to digital consumer habits in Mexico, where factors such as distrust in online payment and the use of mobile devices influence purchase completion.

 In addition, Rebill improves the payment approval rate by up to 20% above the global average and enables the recovery of up to 71% of rejected payments thanks to its optimized collection logic.

It is present in the 7 main Latin American markets, including Mexico as one of its strategic markets.

As a result, Rebill allows Mexican companies to expand regionally with a single platform, without the need to integrate different payment solutions for each country.

It is PCI DSS level 1 certified, the highest security standard in financial data protection for this type of platform.

2. Mercado Pago

Mercado Pago is one of the most popular payment gateways in Latin America, it offers a wide variety of payment methods and is backed by Mercado Libre. Here are its key aspects for Mexico. 

3. Paypal

PayPal, with its global reach, makes it easy to receive international payments. Although its fees are relatively high.

4. Stripe

Stripe is a global payment gateway that stands out for its technical integration and documentation for developers. It offers advanced tools to manage subscriptions and complex business models.

‍5. Conekta

Conekta is a Mexican gateway that offers online payment options designed for small, medium and large companies, with a strong focus on optimizing processes and protecting financial information.

6. Openpay

Openpay specializes in the Mexican market, integrates easily with e-commerce platforms and offers anti-fraud solutions.  

7. Kueski Pay

Kueski Pay is a fintech popular for its "buy now, pay later" model that allows consumers to pay in installments.

8. 2Checkout/Verifone

2Checkout (now called Verifone) is a global platform that offers its online payment services for companies in Mexico to sell products and services internationally. 

9. PayU

PayU Mexico is one of the leading payment gateways in the country, offering online payment solutions for businesses of all sizes. 

10. Mr. Payment

Sr. Pago is a Mexican electronic payments platform that offers solutions for both physical and online merchants. Since its acquisition by Konfío, it has positioned itself as one of the leading fintechs in Mexico, integrating payment processing, financing, invoicing and business management services. However, it only accepts cards.

11. Kushki

Kushki is a payment gateway that allows businesses to accept online payments throughout the Americas and the world. It offers a unique integration to connect different payment methods in each country, facilitating international business expansion.

12. CoDi

CoDi (Cobro Digital) is a local payment gateway developed by Banco de México that allows digital payments and collections through electronic transfers via QR codes or NFC technology, using the infrastructure of the Interbank Electronic Payments System (SPEI).

Criteria for choosing a payment gateway in Mexico

There are many factors to evaluate before integrating a gateway into your business; however, these are the 5 points we consider key before making the decision:

1. ‍ C ompatibility with your business model: Not all gateways offer support for models such as subscriptions, recurring payments, etc. Make sure the solution fits your needs.
2. Fees and costs: Review transaction fees, monthly commissions, withdrawal charges and possible hidden costs. Some gateways offer more competitive plans for businesses with high transaction volume.
3. Available payment methods: Look for a gateway that accepts cards, transfers (SPEI), cash payments (OXXO, 7-Eleven). The more payment methods, the more sales.‍
4. Ease of integration: Check if it offers RESTful APIs, SDKs or plugins for platforms such as Shopify, WooCommerce or Magento. It is a plus if they have Webhooks that report any relevant events, in addition to allowing process automation and system synchronization. 
5. Local market expertise: Choose a payment gateway that understands consumer preferences and the most widely used payment methods in the country. This translates into smoother integrations, higher approval rates and better support.

Conclusion

Mexico has a wide range of payment gateways, each with particular strengths in payment methods, ease of integration, fees and technical support. 

However, if your company operates with a high volume of transactions, needs recurring payments or is looking to expand regionally, Rebill is the most robust option, as it not only processes payments, but also drives growth. 

With smart checkout technology, 71% recovery of declined payments and a focus on digital industries, we are a powerful alternative for businesses looking to optimize their revenue and offer a seamless and secure payment experience. 

If your company is EdTech, SaaS, HealthTech or eCommerce, contact us to optimize your collections in Mexico or in one of the most important markets in Latin America. 

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Disclaimer

This content is for informational purposes only and is based on public information available on the official sites of the payment gateways at the time of preparation (April 2025). Please note that rates, features and conditions are subject to change without notice.