Which payment gateway is best for my business in Mexico?

Every gateway listed is secure, reliable, and built to scale with online stores of all sizes. The right choice depends on your business priorities, usually focused on transaction fees, payout speeds, and the specific payment methods you want to offer.

Since none of these platforms charge monthly subscriptions—only earning when you make a sale—we highly recommend signing up for multiple gateways to give your customers more ways to pay and maximize your checkout conversions.

How do Interest-Free Installments (MSI) work in Mexico?

Most top gateways (like PayPal, Mercado Pago, Stripe, and Openpay) allow you to offer interest-free monthly installments (MSI) to your customers. While your clients pay over time, you receive the full amount upfront minus a financing fee. The longer the payment term you offer, the higher the fee the gateway charges.

The final cost is calculated as your Base Card Fee + the MSI Financing Fee. On average, offering 3 months adds around 3% to your fee, 6 months adds about 6%, and 12 months can bring the total transaction fee close to 15%.

Because of this, offering 12 months without interest makes the most sense for high-ticket items (like furniture or luxury goods) rather than low-cost products. Keep in mind that gateways also require a minimum purchase amount to enable MSI at checkout.

Which gateway offers the best protection against chargebacks?

While all major gateways provide security features, chargebacks are an unavoidable part of running an e-commerce business. Protection often varies by industry, but the best defense regardless of your platform is maintaining meticulous order documentation, shipping tracking numbers, and clear return policies. If a specific gateway’s dispute resolution process doesn’t fit your workflow, you can easily test another provider to see what works best for your business model.