Overview & Matrix

Every method you can accept, and what changes in the request when you switch between them.

All payment methods in Tonder work through the same unified /process/ endpoint. You just change payment_method.type and add the method-specific parameters, making it easy to offer multiple options without managing different integrations.

{
  "operation_type": "payment",
  "amount": 100.00,
  "currency": "MXN",
  "customer": { /* customer data */ },
  "payment_method": {
    "type": "CARD"
  },
  "client_reference": "ORD-001"
}

Available methods

Method	Type	Best for	Processing time
Cards	Instant	E-commerce, instant confirmation	Immediate
Apple Pay	Instant	Safari / iOS shoppers, via the Web SDK button	Immediate
MercadoPago	Instant	Digital wallet customers	Immediate
SPEI	Bank transfer	Higher-value, B2B	Real-time
OXXO Pay	Cash	Customers without bank accounts	24-48 hours
Cash vouchers	Cash	Regions without OXXO coverage	24-48 hours

Country and network availability, and each method's support for deposits/withdrawals/refunds, vary by market. See Country coverage for the full breakdown.

Implementation strategy

They provide immediate confirmation and work for most customers.

Essential in the Mexican market, where cash is still popular.

Bank transfers are trusted for larger transactions.

Add digital wallets and alternative methods based on customer feedback.

Set up webhooks to track asynchronous payments (OXXO Pay, SPEI, Cash vouchers).

Next steps

Cards

Credit and debit, with 3D Secure.

SPEI

Real-time bank transfers.

Frictionless SPEI

Mismatched amounts and direct transfers.

Assign a CLABE per user

One SPEI CLABE per end user, with a single idempotent call.

Limits

Minimums and maximums by method.

Country coverage

Countries, networks, and deposit/withdrawal support by method.