This page provides quick reference information for all payment methods supported by Tonder’s Direct Integration.

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Supported Payment Methods Overview

Tonder supports five main payment methods, each designed for different customer preferences and use cases. This table provides a quick reference for all available methods:
MethodType ValueProcessing TimeDescription
Card PaymentsCARDInstantCredit and debit cards (Visa, Mastercard, American Express)
SPEI Bank TransfersSPEIReal-timeMexican bank transfers (24/7 availability)
OXXO Cash PaymentsOXXO24-48 hoursCash payments at OXXO convenience stores
Mercado Pago Digital WalletMERCADOPAGOInstantDigital wallet popular in Latin America
SafetyPay Cash PaymentsSAFETYPAY24-48 hoursAlternative cash payment method

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Common Parameters

All payment methods share these common parameters that must be included in every payment request:
FieldTypeRequiredDescription
operation_typestringYesMust be "payment"
amountdecimalYesTransaction amount in MXN
currencystringYesMust be "MXN" for Mexico
customerobjectYesCustomer information (name, email)
payment_methodobjectYesPayment method details
client_referencestringYesUnique order identifier

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Method-Specific Parameters

Each payment method has unique parameters and requirements. Expand the sections below to see the specific parameters for each method:
Card payments require specific card details and support both tokenized and raw card data. The following parameters are needed for card transactions:
ParameterTypeRequiredDescription
payment_method.typestringYesMust be "CARD"
payment_method.card_numberstringYesCard number (tokenized or raw)
payment_method.cardholder_namestringYesCardholder name (tokenized or raw)
payment_method.cvvstringYesCVV code (tokenized or raw)
payment_method.expiration_monthstringYesExpiration month (tokenized or raw)
payment_method.expiration_yearstringYesExpiration year (tokenized or raw)
return_urlstringNoRequired for 3DS authentication
SPEI bank transfers are the simplest payment method with minimal parameter requirements. SPEI operates 24/7, 365 days a year for maximum convenience:
ParameterTypeRequiredDescription
payment_method.typestringYesMust be "SPEI"
Operating Hours: 24/7, 365 days a year
OXXO cash payments require minimal setup and generate payment instructions for customers to pay at any OXXO store. The response includes all necessary payment details:
ParameterTypeRequiredDescription
payment_method.typestringYesMust be "OXXO"
Response Includes:
  • payment_instructions.reference_code - Payment reference for OXXO store
  • payment_instructions.barcode - Barcode for payment scanning
  • payment_instructions.expiration_date - Payment expiration date
  • voucher_pdf - Downloadable payment voucher
Mercado Pago digital wallet integration provides a seamless payment experience for Latin American customers. The integration supports both direct and redirect flows:
ParameterTypeRequiredDescription
payment_method.typestringYesMust be "MERCADOPAGO"
return_urlstringNoRequired for redirect flow
SafetyPay provides an alternative cash payment method for customers who prefer not to use traditional banking. The integration requires minimal configuration:
ParameterTypeRequiredDescription
payment_method.typestringYesMust be "SAFETYPAY"

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Status Flow Reference

Understanding payment status flows is crucial for proper integration. Each payment method follows a specific status progression:
Synchronous payment methods provide immediate results, allowing you to know the payment outcome instantly. These methods process transactions in real-time and return final status immediately:
  • Card Payments: pending → authorized/declined.
  • Mercado Pago: pending → success/failed.
Asynchronous payment methods require additional processing time and may involve external verification steps. These methods return an initial status and update to final status once processing is complete:
  • SPEI: pending → processing → success.
  • OXXO: pending → success.
  • SafetyPay: pending → success.

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Error Codes by Payment Method

Proper error handling is essential for a robust integration. Each payment method can return specific error codes that you should handle appropriately:
Card payments can fail for various reasons related to the card itself or the issuing bank. These are the most common error codes you’ll encounter when processing card transactions:
  • card_declined - Card declined by issuer.
  • insufficient_funds - Not enough funds.
  • expired_card - Card has expired.
  • invalid_card - Card number invalid.
SPEI bank transfers have specific operational constraints and amount limitations that can cause transaction failures. These errors typically occur due to timing or amount restrictions:
  • spei_unavailable - Outside operating hours.
  • invalid_amount - Amount exceeds SPEI limits.
Cash payment methods like OXXO and SafetyPay have specific amount limits to ensure transaction security and compliance. These errors occur when the transaction amount falls outside the allowed range:
  • amount_too_high - Exceeds payment limits.
  • amount_too_low - Below minimum payment amount.

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SPEI Operational Information

SPEI operates with specific timing considerations that affect when transfers can be processed and completed.

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Operating Hours

SPEI transfer processing varies by day and time, with different schedules for weekdays, weekends, and holidays:
Day/PeriodProcessing HoursNotes
Monday to Friday6:00 AM – 6:00 PM (CDMX time)Same-day processing if before 5:00 PM
Saturday9:00 AM – 2:00 PMLimited processing
SundayNo processing
Bank holidaysNo processing
Processing Times for SPEISPEI generally operates 24/7, but individual institutions may apply maintenance windows or additional validations that can introduce delays. Some banks or payment providers may apply their own internal processing schedules or restrictions.Possible delays may occur due to scheduled maintenance windows, anti-fraud validations, and institutional batch processing policies. Please verify specific hours or limitations with your financial institution or provider.

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Processing Time Examples

These examples show typical processing times for SPEI transfers submitted at different times and days:
Submission TimeDayExpected Processing Time
10:00 AMMondaySame day (within minutes)
4:30 PMTuesdaySame day (within minutes)
5:30 PMWednesdaySame day (within minutes)
11:00 AMSaturdaySame day (within minutes)
2:30 PMSaturdaySame day (within minutes)
10:00 AMSundaySame day (within minutes)
All times are shown in local Mexico City time. Actual processing times can vary depending on your bank or fintech provider’s policies, internal fraud or compliance checks, and scheduled maintenance windows.SPEI itself doesn’t enforce business day cut-off times anymore, so in theory, transfers can go through at any hour. However, your provider or bank might still have their own restrictions or delays—so it’s always worth double-checking if you need funds to arrive urgently.

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Holiday Calendar

The following Mexican holidays may affect SPEI processing times and availability:
  • New Year’s Day (January 1)
  • Constitution Day (February 5)
  • Benito Juárez’s Birthday (March 21)
  • Easter (varies)
  • Labor Day (May 1)
  • Independence Day (September 16)
  • Revolution Day (November 20)
  • Christmas Day (December 25)

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Next Steps

Now that you understand the payment methods and their parameters, you can proceed with your integration: