SPEI* and scalability: What companies need to grow without friction?

Scale your volume by 50% without doubling liquidity costs: SPEI Is the Key

Real-time payments are no longer optional for businesses operating in Mexico. As consumer expectations evolve and operations become increasingly digital, the ability to send and receive money instantly via SPEI has become foundational to financial infrastructure and business growth.

Why SPEI matters for enterprise

1. SPEI (Sistema de Pagos Electrónicos Interbancarios) is a real-time payment system operated by Banxico, enabling individuals and businesses to move funds between bank accounts in seconds. Once aimed at financial inclusion, SPEI is now at the core of high-volume operations like B2B payments, payroll, fintech apps, and eCommerce settlements.

   Its core benefits:

   • 24/7 availability: Including weekends and holidays.
   • Lower costs: No need for intermediaries or high fees.
   • Regulatory confidence: Operated by Mexico’s central bank.
   • Scalability: Supports automated, API-based processes for disbursements and reconciliation.
     
     

   In 2023 alone, SPEI processed over 3.8 billion transactions, up from 834 million in 2019. That’s an average of 250+ million monthly transfers with an 18% annual growth rate, making it one of the most dynamic payment ecosystems in Latin America.

Building the right foundations for growth

For companies scaling operations—especially in industries with high transaction volumes and operational complexity—success with SPEI depends on more than just connectivity. It requires the right infrastructure to support performance, automation, and resilience.

Businesses need to evaluate whether their systems are equipped to handle fraud prevention, peak transaction loads, and automated reconciliation workflows. Additionally, compliance with Banxico's evolving cybersecurity standards, including new resilience protocols expected in 2024, must be factored into long-term planning.

Choosing the right provider means having visibility into performance metrics, responsive enterprise support, and scalable architecture that grows with your operation. These needs are particularly acute in sectors such as fintech and wallets, eCommerce payouts, cross-border platforms, on-demand services, and payroll engines.

SPEI is no longer just a transfer system. It has evolved into a strategic enabler for companies that require fast, secure, and cost-efficient money movement across Mexico. As the market matures and the demand for real-time infrastructure increases, organizations must align their financial operations with scalable and resilient technology.

Bitso Business* helps enable this capability through:

• A unified LatAm API, connecting to SPEI in Mexico and PIX in Brazil.
• Operational flexibility with no pre-funding requirements.
• Transparent performance metrics, with 99.798% uptime and multilingual support in Spanish, English, and Portuguese.

As real-time expectations grow, businesses that invest in strong payment foundations today will be better positioned to lead tomorrow.

*NVIO Pagos México, S.A.P.I. de C.V., IFPE (“NVIO México”), is an entity authorized and regulated by the Comisión Nacional Bancaria y de Valores (CNBV). NVIO México enables direct access to SPEI and provides payment services in full compliance with Mexican regulations. Learn more at nvio.mx/terms.