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Supported Payment Types

Accept payments your way. Cheqpay supports credit cards, debit cards, SPEI transfers, PayCash cash payments, and CIE Cash Net deposits — all with enterprise-grade security and PCI compliance built in.

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Credit & Debit Cards

Accept all major card brands:

Visa

Credit and debit cards

Mastercard

Credit and debit cards

American Express

Credit cards

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Save Payment Methods

Enable faster payments for returning customers by securely storing their payment methods.

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Perfect For

Subscription Services

Charge customers automatically each billing cycle

Faster Payments

Let customers pay without re-entering card details

Recurring Billing

Process scheduled or recurring payments

Member Accounts

Store cards for logged-in users

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How to Save a Card

Simply set persist: true when processing a payment: 
{
  "paymentMethod": {
    "type": "card",
    "options": {
      "card": {
        "number": "4000000000002503",
        "expiryMonth": "12",
        "expiryYear": "2025",
        "cvc": "123"
      }
    },
    "persist": true
  }
}
The card is instantly tokenized and securely stored. Your customers can use it for future purchases without re-entering their card details.
The payment method is automatically linked to the customer. You’ll receive a paymentMethodId in the response.

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Offline methods

SPEI

Bank transfer — unique CLABE per order

PayCash

Cash at collection points — unique reference per order

CIE Cash Net

BBVA cash and bank deposits — unique reference per order along with convenio, and CLABE

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Enterprise Security

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PCI DSS Compliant

We’re certified to the highest security standards. Your customers’ payment data is always protected.

Level 1 PCI DSS

Highest level of payment security certification

Out of Scope

Keep your servers out of PCI scope

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Automatic Tokenization

Card numbers are converted to secure tokens immediately. Sensitive data never touches your servers - keeping you out of PCI scope. 
{
  "paymentMethodId": "pm_abc123",
  "card": {
    "brand": "visa",
    "last4": "1111",
    "expiryMonth": "12",
    "expiryYear": "2025"
  }
}
You only see the last 4 digits and basic card information. The full card number is securely vaulted by Cheqpay.

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Network Tokens

We automatically provision network tokens through Visa Token Service and Mastercard Digital Enablement:
Up to 6% higher approval rates compared to standard card processing.
Additional security layer reduces fraudulent transactions.
When cards expire or are replaced, we automatically update them. No failed payments due to expired cards.

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Always Up to Date

When a customer gets a new card, we automatically update it. No failed payments due to expired cards.
Network token updates happen automatically in the background. You don’t need to do anything.

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Charge Saved Payment Methods

Use saved cards for future payments with just the payment method ID: 
{
  "externalId": "order-456",
  "amount": 5000,
  "currency": "MXN",
  "paymentMethod": {
    "type": "payment_method_id",
    "paymentMethodId": "pm_abc123",
    "cvc": "123"
  }
}

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CVC Requirement

For security, some card networks require the CVC even for saved cards. Always collect and include the CVC for the best approval rates.
All sensitive card data stays with Cheqpay - you only store the payment method ID.

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Payment Method Types

TypeDescriptionUse Case
cardNew card paymentFirst-time payment with new card
payment_method_idSaved payment methodCharging a stored card
speiBank transfer paymentCustomer pays from online banking app
paycashOffline cash paymentCustomer pays with reference at collection point
cie_cash_netBBVA cash / bank depositCustomer pays with reference, convenio, and CLABE

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Best Practices

Always ask customers for permission before saving their payment method. Include a checkbox like “Save card for future purchases.”
Display saved payment methods to customers during payment. Show the card brand, last 4 digits, and expiry date.
Give customers the ability to remove saved payment methods from their account.
When a payment fails with a saved card, prompt the customer to update their card information.

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Next Steps

Process Card Payments

Learn how to accept card payments

SPEI Transfers

Accept instant bank-to-bank transfers

PayCash Payments

Accept immediate offline cash payments

CIE Cash Net

Accept BBVA cash and bank deposits

Handle 3D Secure

Implement card authentication

Manage Customers

Learn about customer management

Process Refunds

Issue full or partial refunds