specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Conekta
providerId: conekta
created: '2026-05-24'
modified: '2026-05-24'
reconciled: true
tags:
  - Payments
  - Mexico
  - Cards
  - Cash
  - OXXO
  - SPEI
  - BNPL
description: Conekta uses pay-per-successful-charge pricing in MXN. There are no setup or monthly fees;
  rates are method-specific (cards, OXXO cash, SPEI transfer, BNPL). All quoted amounts exclude IVA (16%
  Mexican VAT).
sources:
  - https://www.conekta.com/precios
plans:
  - id: conekta-cards-standard
    name: Tarjetas — Estándar (Cards)
    type: usage-based
    description: Standard rate for Visa, Mastercard, and American Express debit and credit card
      transactions processed through the Conekta API or Checkout Component.
    entries:
      - label: Card transaction (per charge)
        name: tx_card
        type: metered
        metric: transaction
        limit: -1
        timeFrame: usage
        geo: MX
        unit: 1
        price: 3.4% + $3.00 MXN
        userMultiplied: false
        description: Plus IVA. Applies to domestic Visa, Mastercard, and Amex.
    elements:
      - name: PCI-DSS Level 1 tokenization
      - name: 3D Secure 2 authentication
      - name: Checkout Component or Direct API
      - name: Antifraud whitelists and blacklists
      - name: Webhook delivery and retries
  - id: conekta-oxxo-cash
    name: Conekta Efectivo (OXXO)
    type: usage-based
    description: OXXO cash voucher payments — the merchant generates a reference and the customer pays at
      any OXXO point of sale.
    entries:
      - label: OXXO cash voucher (per charge)
        name: tx_oxxo
        type: metered
        metric: transaction
        limit: -1
        timeFrame: usage
        geo: MX
        unit: 1
        price: 2.6% + $3.00 MXN
        userMultiplied: false
        description: Plus IVA. Minimum commission $5.40 MXN + IVA.
      - label: Point-of-sale surcharge
        name: tx_oxxo_pos
        type: metered
        metric: transaction
        limit: -1
        timeFrame: usage
        geo: MX
        unit: 1
        price: $7-$10 MXN
        userMultiplied: false
        description: Charged by OXXO at the point of sale; varies by store.
    elements:
      - name: Reference number with configurable expiration
      - name: Voucher delivered via API and email
      - name: Webhook notification on successful payment
  - id: conekta-spei-transfer
    name: SPEI (Bank Transfer)
    type: usage-based
    description: SPEI interbank transfer payments via CLABE references — settle near real time during
      Banxico operating hours.
    entries:
      - label: SPEI transfer (per charge)
        name: tx_spei
        type: metered
        metric: transaction
        limit: -1
        timeFrame: usage
        geo: MX
        unit: 1
        price: $12.50 MXN
        userMultiplied: false
        description: Plus IVA. Flat fee per transfer regardless of amount.
    elements:
      - name: CLABE reference number per order
      - name: Settlement during Banxico hours
      - name: Webhook on funds received
  - id: conekta-bnpl
    name: Pago en plazos (BNPL)
    type: usage-based
    description: Buy Now Pay Later installment plans through partnered providers.
    entries:
      - label: BNPL provider A
        name: tx_bnpl_a
        type: metered
        metric: transaction
        limit: -1
        timeFrame: usage
        geo: MX
        unit: 1
        price: 4%
        userMultiplied: false
        description: Plus IVA.
      - label: BNPL provider B
        name: tx_bnpl_b
        type: metered
        metric: transaction
        limit: -1
        timeFrame: usage
        geo: MX
        unit: 1
        price: 6%
        userMultiplied: false
        description: Plus IVA.
    elements:
      - name: Customer-facing installment plan
      - name: Risk and underwriting handled by BNPL provider
  - id: conekta-msi
    name: Meses Sin Intereses (MSI)
    type: usage-based
    description: Interest-free monthly installments on credit cards through participating issuers.
    entries:
      - label: MSI surcharge
        name: tx_msi
        type: metered
        metric: transaction
        limit: -1
        timeFrame: usage
        geo: MX
        unit: 1
        price: 3.5% — 26.5%
        userMultiplied: false
        description: Plus IVA. Rate depends on issuer and number of months (3, 6, 9, 12, 18 MSI).
    elements:
      - name: Card issuer absorbs interest
      - name: Merchant pays a higher per-transaction rate
position: Consuming