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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.