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

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:

A powerful platform, no coding required


Scale with API, built by and for developers

Why do teams choose Cobre to power payments in Mexico?
that adapts to your teams, departments, or workflows.






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



Secure International Payments with Bank-Level Protection and AI Technology






FAQs
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.
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.
How does Cobre automate business payments and collections?
Cobre allows you to assign personalized CLABE accounts, schedule payments in bulk, and connect to your finance stack via API. This streamlines cash flow, eliminates manual errors, and saves time.
What is a CLABE account?
CLABE (Standardized Bank Key) is the number that identifies a bank account in Mexico to receive transfers. With Cobre, you can generate unlimited CLABE accounts for your company, allowing you to automate collections, instantly identify incoming payments, and have total control over your finances.
Is CLABE the same as an account number?
No, the CLABE is not exactly the same as a regular account number. The CLABE (Clave Bancaria Estandarizada) is a standardized 18-digit bank key used in Mexico to identify bank accounts uniquely for electronic funds transfers. It includes the bank code, branch code, account number, and a control digit. While your account number is part of the CLABE, the CLABE itself is a full, standardized identifier required for interbank electronic payments in Mexico.
What is CLABE in Mexico?
The CLABE (Clave Bancaria Estandarizada) is an 18-digit standardized bank code used in Mexico to ensure secure and accurate electronic transfers between bank accounts. It was created by the Mexican banking system to uniquely identify each bank account and simplify interbank payments via the SPEI system. The CLABE contains information about the bank, branch, account number, and a control digit for verification.
Why does using unlimited CLABE accounts with Cobre improve my treasury?
Cobre lets you assign a unique CLABE account per client, branch, or concept. This makes automatic real-time reconciliation possible, reduces errors, and gives you clear visibility of who paid, when, and why. This way, your treasury becomes more organized and efficient.
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.
Can I integrate Cobre with my ERP or accounting software?
Yes. Cobre offers API integrations to connect your ERP, CRM, or accounting software. This allows you to fully automate your treasury flows and keep data synchronized across systems.
How does Cobre improve financial visibility?
From Cobre’s dashboard, you can see all movements, received payments, outgoing transfers, and balances per account in real time. This visibility enables you to make financial decisions based on accurate and up-to-date data.
What type of companies use Cobre?
Cobre is ideal for companies that handle multiple payments or collections: fintechs, marketplaces, collection platforms, real estate companies, educational institutions, or any business with complex financial operations.
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.