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What is PayCash?

PayCash is an offline cash payment method for Mexico. Offer your customers a way to pay with cash at collection points without needing a card or bank account. Cheqpay creates a unique reference per order. Your customer pays that reference in cash at a PayCash collection point, and your order is updated when the deposit is confirmed.

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When to Use PayCash

Cash-First Customers

Ideal when your customers prefer paying with cash instead of cards.

No Bank/Card Required

Works for users who do not have a card or bank account.

Retail Collection Flows

Useful when payment is completed later at a physical collection point.

Alternative Payment

Offer as an alternative when cards decline.

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How PayCash Works

1

Create Payment Request

You create a payment request with PayCash as the payment method.
2

Reference Assigned

Cheqpay assigns a unique PayCash reference for this payment.
3

Customer Pays

Display the reference to your customer who pays cash at a collection point.
4

Deposit Confirmed

PayCash confirms the cash deposit to Cheqpay usually instantly (with the exception of BBVA practicaja which could take from 30 minutes to 2 hours) .
5

Webhook Notification

You receive a webhook notification when the deposit is confirmed.
Cash deposits can complete within minutes at the collection point, but customers may pay later depending on your checkout flow. Reference TTL is commonly 72 hours when expiration is enabled.

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Create a PayCash Payment

POST /payment-orders
Authorization: Bearer YOUR_API_KEY
Content-Type: application/json

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Request Example

{
  "externalId": "order-2001",
  "customer": {
    "firstName": "Laura",
    "lastName": "Ramirez",
    "email": "laura@example.com",
    "phoneNumber": "+525512345678"
  },
  "amount": 125000,
  "currency": "MXN",
  "description": "Order #2001",
  "paymentMethod": {
    "type": "paycash"
  }
}

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Response with Reference

{
  "paymentOrder": {
    "id": "ord_paycash_123",
    "externalId": "order-2001",
    "status": "PENDING",
    "amount": 125000,
    "currency": "MXN",
    "description": "Order #2001"
  },
  "paymentMethod": {
    "type": "paycash",
    "paycashDetails": {
      "reference": "7041621293386809"
    }
  },
  "customer": {
    "id": "cus_abc123",
    "firstName": "Laura",
    "lastName": "Ramirez",
    "email": "laura@example.com"
  }
}

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Display Payment Instructions

Show the PayCash reference prominently so customers can complete the payment:

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Required Information

PayCash Reference

Unique reference number for this payment

Amount

Exact amount to pay in cash, but could require comissions for the customer according to some Comercios.

Order Reference

Your order number or external ID

Collection Points

PayCash locations where the customer can pay

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Example Display

<div class="payment-instructions">
  <h2>Complete Your Payment</h2>
  <p>Pay the exact amount in cash using the following reference:</p>

  <div class="reference-display">
    <strong>Reference:</strong> 7041621293386809
    <button onclick="copyToClipboard()">Copy</button>
  </div>

  <div class="payment-details">
    <p><strong>Amount:</strong> $1,250.00 MXN</p>
    <p><strong>Order:</strong> #2001</p>
  </div>

  <p class="note">
    Pay at any PayCash collection point. Payment is confirmed after the deposit is processed.
  </p>
</div>
Customer must pay the exact amount. Incorrect amounts may delay payment confirmation.

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Retail Chains

NameMaximum amount
7-ELEVEN$10,000 MXN
Soriana$10,000 MXN
Soriana (Caja Auto Cobro)$10,000 MXN
Circulo K / Tiendas Extra$6,000 MXN
Walmart$10,000 MXN
Walmart Express$10,000 MXN
Walmart (Caja Auto cobro)$10,000 MXN
Bodega Aurrera$10,000 MXN
Sam’s Club$10,000 MXN
Kiosko$15,000 MXN
Calimax$5,000 MXN
CITY CLUB$10,000 MXN
Farmacia Roma$10,000 MXN
SMB Rural$10,000 MXN
Caja Cerano$10,000 MXN
Caja Tamazula$10,000 MXN
Caja Oblatos$10,000 MXN
Vía servicios$10,000 MXN
Systienda (Corresponsales)$10,000 MXN
Finabien (antes Telecom)*$20,000 MXN
Farmacias del Ahorro$5,000 MXN
Tiendas Neto$5,000 MXN
Farmacias Yza$3,000 MXN
Abarrey$10,000 MXN
7/24$4,000 MXN

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Banks

NameMaximum amount
Santander (integración online) - Puntos Físicos (Ventanilla)$20,000 MXN
BBVA (integración offline) - Practicaja$20,000 MXN
BBVA (integración offline) - Banca Digital$20,000 MXN
Banorte (Integración Online) - Sucursales$20,000 MXN
Banorte (Integración Online) - Banca Digital$20,000 MXN
Afirme (integración online) - Banca Digital$20,000 MXN
Cheqpay supports PayCash payments up to $20,000 MXN per order. Make sure the customer pays at a collection point whose limit covers the order amount.

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Monitor Payment Status

PayCash payments start with status PENDING and update to COMPLETED when the cash deposit is confirmed. 
curl -X GET https://prod.cheqpay.mx/pos/payment-orders/ord_paycash_123 \
  -H "x-api-key: YOUR_API_KEY"
Use webhooks to receive instant notifications: 
{
  "id": "evt_paycash_001",
  "event": "payment.capture.success",
  "data": {
    "paymentOrder": {
      "id": "ord_paycash_123",
      "externalId": "order-2001"
    },
    "paymentMethod": {
      "type": "paycash",
      "options": {
        "paycash": {
          "reference": "7041621293386809"
        }
      }
    },
    "amount": "125000",
    "currency": "MXN"
  }
}

Set Up Webhooks

Learn how to receive real-time PayCash notifications

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PayCash Best Practices

Each PayCash reference is unique per payment order. Never reuse references across different orders.
Make the PayCash reference easy to copy. Provide clear instructions on how to pay at a collection point.
Email the reference to customers so they can complete the cash payment later.
Consider setting a payment expiration (e.g., 72 hours) to avoid indefinite pending orders.
Don’t poll for updates. Use webhooks to get instant notifications when payments complete.

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Testing PayCash in Sandbox

Unlike SPEI, PayCash does not auto-complete in sandbox. Use the webhook simulator in development:
1

Create PayCash Payment

Make a payment request with type: "paycash" in sandbox.
2

Simulate Deposit

Call the PayCash simulator with the reference from the order response.
3

Confirm Completion

Payment status updates to COMPLETED and your webhook receives payment.capture.success.
No need to visit a collection point in development — use the PayCash simulator to trigger the deposit flow.

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Handling Payment Failures

PayCash transactions usually do not fail. A payment may be rejected at the collection point if the order amount exceeds that location’s maximum limit (see Retail Chains and Banks above). Once a chain or bank captures the deposit, Cheqpay receives a success notification and your order is updated accordingly. PayCash failures are very rare. if you encounter an issue with a transaction, please contact support.

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Fees and Limits

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Processing Fees

PayCash typically has lower fees than card payments for supported transaction sizes.
Contact sales@cheqpay.com for current PayCash pricing.

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Transaction Limits

  • Minimum: $10.00 MXN
  • Maximum: $20,000.00 MXN per transaction
  • Settlements: Paid every Monday, covering the second previous Friday through the previous Thursday

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Next Steps

Accept Card Payments

Offer cards as primary payment method

Set Up Webhooks

Get notified when PayCash deposits complete

SPEI Transfers

Offer bank transfers for higher amounts

Test Integration

Test PayCash payments in sandbox