Atoms: Qué es el Atomic Design en Ecommerce
Aprende qué es el atomic design ecommerce: Atoms, moléculas y sistemas de diseño en Shopify...
Shopify Payments officially launched in Mexico in 2025, allowing Mexican merchants to process payments directly from their store without the need for external payment gateways. This native integration simplifies payment management, reduces fees, and improves the shopping experience.
What is Shopify Payments and how does it work in Mexico?
Shopify Payments is Shopify's built-in payment gateway that lets you accept credit cards, debit cards, and local payment methods directly in your online store. Unlike third-party solutions, Shopify Payments is fully integrated with your admin panel, meaning you can manage orders, payments, and refunds all in one place.
In Mexico, Shopify Payments supports Visa, Mastercard, and American Express cards, as well as popular local payment methods. Funds are deposited directly into your Mexican bank account in Mexican pesos (MXN), eliminating the need for an overseas account.
Shopify Payments fees in Mexico 2025
Shopify Payments fees in Mexico vary depending on your Shopify plan:
- Basic Plan: 3.6% + $3 MXN per transaction
- Shopify Plan: 3.4% + $3 MXN per transaction
- Advanced Plan: 3.2% + $3 MXN per transaction
- Shopify Plus: Custom commissions (contact sales)
By using Shopify Payments, you eliminate the additional transaction fees that Shopify charges when you use external gateways (2% extra), making it the most economical option for most Mexican merchants.
How to activate Shopify Payments in your Mexican store
To set up Shopify Payments in Mexico, follow these steps:
- Access your Shopify admin panel
- Go to Settings → Payments
- In the Shopify Payments section, click Activate
- Complete your business information, including RFC and bank details.
- Provide identification documents and proof of address
- Wait for verification (usually 1-3 business days)
- Once approved, start accepting payments immediately.
It is important to have all your tax and banking documents up to date before starting the activation process to avoid delays.
Requirements to use Shopify Payments in Mexico
To be eligible for Shopify Payments in Mexico, you must meet the following requirements:
- Have an active Shopify store with a registered business address in Mexico
- Have an active and up-to-date RFC (Taxpayer Identification Number) with the SAT (Mexican Tax Administration Service).
- Have a Mexican bank account in the name of the business or owner
- Sell permitted products or services (not restricted products such as tobacco, weapons, etc.)
- Provide valid official identification
- Proof of address no older than 3 months
Shopify reviews each application to ensure compliance with Mexican financial regulations and to prevent fraud.
Advantages of Shopify Payments vs. other payment gateways in Mexico
Shopify Payments offers multiple benefits compared to third-party gateways:
- Native integration: Manage everything from your Shopify dashboard without complex integrations
- No additional fees: Eliminate the extra 2% that Shopify charges for using external payment gateways
- Automatic deposits: Receive your funds directly into your Mexican bank account
- Fraud protection: Integrated fraud detection and prevention tools
- Optimized Checkout: Faster payment experience that increases conversions
- Support in Spanish: Customer service in your language
- Simplified refunds: Process returns directly from the order panel
Deposit times and availability of funds
Funds processed through Shopify Payments in Mexico follow this deposit schedule:
- New stores: Initial deposits may take up to 7-10 business days while the account is verified.
- Established stores: Automatic deposits every 2-3 business days
- Cut-off time: Transactions are grouped and processed in daily batches
You can check the status of your payments and upcoming deposits in the Finances section of your Shopify admin panel.
Payment methods available with Shopify Payments Mexico
Shopify Payments in Mexico supports the following payment methods:
- Credit cards: Visa, Mastercard, American Express
- Mexican debit cards
- Digital payments: Apple Pay, Google Pay
- Interest-free installments (MSI) on participating cards
Offering multiple payment options increases the conversion rate by adapting to the preferences of your Mexican customers.
Security and regulatory compliance
Shopify Payments meets the highest standards of financial security:
- PCI DSS Level 1 Certification: The highest level of security in payment processing
- SSL encryption: All transactions are encrypted end-to-end
- 3D Secure: Additional authentication to reduce fraud and chargebacks
- Compliance with Mexican regulations: Aligned with the regulations of the Bank of Mexico and CNBV
Your customers can shop with confidence knowing their data is protected with bank-grade technology.
Frequently asked questions about Shopify Payments in Mexico
Can I use Shopify Payments if I already have another payment gateway set up?
Yes, you can activate Shopify Payments and keep other payment gateways as a backup. However, by using Shopify Payments as your primary method, you eliminate the additional 2% fee.
What happens if I receive a chargeback?
Shopify Payments includes tools for managing chargebacks. You'll receive a notification and can submit evidence to dispute the charge. A fee of MXN $250 applies per chargeback.
Do I need a business bank account?
Not necessarily. You can use a personal account if you are a self-employed individual, as long as the tax ID and bank account match the store owner.
How long does the approval process take?
The verification process generally takes between 1 and 3 business days, although it may be extended if additional documentation is required.
Does Shopify Payments charge a fee for refunds?
No. When you process a refund, Shopify Payments returns the original transaction fee, so you only pay for completed sales.
