SPEI
Sistema de Pagos Electrónicos Interbancarios — Mexico’s real-time interbank rail.
SPEI is a real-time payment rail routed by KeyBS Pay. Sistema de Pagos Electrónicos Interbancarios — Mexico’s real-time interbank rail.
Payouts routed through SPEI settle to beneficiary accounts in MX. Where SPEI is available for the destination country, it is the default rail for eligible payouts.
Every SPEI payout is subject to KYB, KYC and sanctions screening. Pricing is disclosed in full before approval; failed payouts return a signed webhook event with a machine-readable reason code and remain refundable per program policy.
Corridor mechanics at a glance
Every KeyBS Pay payout follows the same operational contract; only the rail changes.
How a SPEI payout moves through KeyBS Pay
SPEI settles in real-time on eligible MXN destinations.
Popular SPEI searches
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Countries reachable via SPEI
SPEI by industry
SPEI developer resources
Frequently asked questions
What is SPEI?
Sistema de Pagos Electrónicos Interbancarios — Mexico’s real-time interbank rail.
How fast is SPEI?
Real-time. Actual settlement time is disclosed pre-approval and confirmed by signed webhook once the beneficiary bank acknowledges the credit.
Which countries can I reach through SPEI?
MX. Availability is beneficiary-bank-dependent; the router falls back to wire if the beneficiary bank is not on SPEI.
What currencies are supported on SPEI?
MXN is the primary settlement currency for SPEI. Multi-currency corridors are supported where the rail permits.
What limits apply on SPEI?
Rail-specific ceilings apply; the platform surfaces them pre-approval. Higher-value transactions are automatically routed to wire.
Is SPEI available 24/7?
Real-time rails (including SPEI) operate around the clock. Batch and wire rails follow the local banking window.
How do I integrate SPEI?
You don’t. KeyBS Pay abstracts rail selection: submit a payout to POST /v1/payouts and the router picks the fastest eligible rail. Use "method": "auto" (default) or force a specific method where policy requires.
Is SPEI regulated?
Yes. KeyBS Pay routes SPEI payouts only through partners licensed for the destination corridor.
Can I get a SPEI settlement report?
Yes. Per-rail, per-corridor reconciliation reports are available in the dashboard and via API export.
What happens if a SPEI payout fails?
Failed payouts return a signed webhook event with a machine-readable reason code. Funds remain in the source ledger and can be re-routed or refunded.
How is pricing set for SPEI?
Quote-based, disclosed in full pre-approval. No undisclosed intermediary-bank deductions on eligible local rails.
Can I use SPEI for consumer payouts?
Yes, where the beneficiary and route policy permit consumer flows. Stablecoin routes are business-only.
Are there cutoffs on SPEI?
Real-time rails have no cutoffs. Batch and wire rails follow local banking-day windows; cutoffs are shown at quote time.
Does SPEI support idempotent retries?
Yes. Every KeyBS Pay payout carries an Idempotency-Key so retries after transient errors are safe.
Which industries use SPEI most?
Marketplaces, cross-border trade, workforce and NGO programs are the largest users of SPEI on the KeyBS Pay platform.
Route your first SPEI payout
Rail selection is automatic — you never have to pick one manually unless program policy requires it.