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
Local methods are grouped by the country where they run; cards and wallets come first.
Cards and wallets
| Method | Type | Best for | Processing time |
|---|---|---|---|
| Cards | Instant | E-commerce, instant confirmation | Immediate |
| Apple Pay | Instant | Safari / iOS shoppers — Managed (Web SDK, Hosted Checkout 2.0) or Bring Your Own (your Merchant ID, Direct API) | Immediate |
🇲🇽 Mexico
| Method | Type | Best for | Processing time |
|---|---|---|---|
| SPEI | Bank transfer | Higher-value, B2B | Real-time |
| Frictionless SPEI | Bank transfer | Mismatched amounts and direct transfers | Real-time |
| Assign a CLABE per user | Bank transfer | One SPEI CLABE per end user | Real-time |
| OXXO Pay | Cash | Customers without bank accounts | 10 minutes |
| Cash vouchers | Cash | Regions without OXXO coverage | 24-48 hours |
| MercadoPago | Instant | Digital wallet customers | Immediate |
🇨🇱 Chile
| Method | Type | Best for | Processing time |
|---|---|---|---|
| Cards | Instant | Visa and Mastercard, in CLP | Immediate |
| Cash vouchers | Cash and online transfer | Caja Vecina or BancoEstado Express in cash, or online bank transfer, in CLP | Depends on the channel |
Payouts in CLP go to a checking or sight account: see Withdrawals in Chile.
🇦🇷 Argentina
| Method | Type | Best for | Processing time |
|---|---|---|---|
| QR payment | Instant | Wallet and bank-app users | Seconds |
| Bank transfer (CVU) | Bank transfer | Bank users and larger amounts | Real-time |
🇨🇴 Colombia
| Method | Type | Best for | Processing time |
|---|---|---|---|
| Cash vouchers | Cash and online transfer | Efecty, SuRed, MovilRed or Acciones y Valores in cash, or online transfer from 44 banks and wallets, in COP | Depends on the channel |
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.
Apple Pay
Managed on Tonder's Merchant ID, or Bring Your Own.
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.
Argentina
QR payments, bank transfers to a CVU, and payouts in ARS.
Limits
Minimums and maximums by method.
Country coverage
Countries, networks, and deposit/withdrawal support by method.