Conekta Calculadora de Comisiones
Calcula comisiones de OXXO Pay (3.90% + $4 MXN), tarjetas y transferencias SPEI con el 16% de IVA del SAT.
Generador de Mensaje de Cobro para Cliente (MXN) ▼
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
Recent Calculations (Click to Restore)
Frequently Asked Questions (Conekta Mexico)
¿Cuáles son las comisiones de Conekta para OXXO Pay y Tarjetas en 2026? ▼
La comisión de Conekta para pagos en efectivo en OXXO Pay es de 3.90% + $4.00 MXN (+ 16% de IVA). Para tarjetas de crédito y débito mexicanas, la comisión es de 2.90% + $2.50 MXN (+ 16% de IVA).
¿Cómo se calcula el IVA del 16% sobre las comisiones de Conekta? ▼
De acuerdo con las reformas fiscales del SAT en México, el 16% de IVA se aplica únicamente sobre el monto de la comisión cobrada por Conekta, no sobre el valor total del producto vendido.
¿Cuál es la fórmula para calcular el Gross-Up (facturar para recibir monto neto)? ▼
Para recibir exactamente $1,000 MXN netos en OXXO Pay (3.90% + $4 MXN + 16% IVA): Total = ($1,000 + ($4 * 1.16)) / (1 - (0.039 * 1.16)) = $1,052.28 MXN. Al cobrar $1,052.28 MXN, recibirás exactamente $1,000.00 MXN netos en tu cuenta bancaria.
¿En cuánto tiempo se transfieren los fondos de Conekta a mi banco? ▼
Los pagos con tarjeta y SPEI se liquidan en 2 días hábiles (T+2), mientras que las notificaciones de pago en OXXO son en tiempo real con depósito a cuenta bancaria (BBVA, Santander, Banorte, etc.).
Frequently Asked Questions
What are official Conekta payment processing rates in Mexico for 2026? ▼
In Mexico, Conekta charges 2.90% + $2.50 MXN for online credit and debit cards, 3.90% + $4.00 MXN for OXXO cash vouchers, and $8.00 MXN flat for SPEI bank transfers (+ 16% SAT IVA on all gateway commissions).
How does 16% SAT IVA apply to Conekta commissions in Mexico? ▼
Under Mexican tax law, payment aggregators must levy 16% Value Added Tax (IVA) on their transaction commissions. On a $100 MXN fee, $16 MXN IVA is added, totaling $116 MXN deducted from the payout.
Why is SPEI the most cost-effective B2B payment method on Conekta? ▼
SPEI direct bank transfers incur a flat fee of approximately $8.00 MXN with zero percentage commission and zero chargeback risk, saving thousands of pesos on high-value B2B invoice payments.
How does Conekta OXXO Pay cash voucher processing work? ▼
Online shoppers receive a 14-digit digital barcode at checkout to pay in cash at any of the 20,000+ OXXO convenience stores across Mexico. Payouts confirm in real-time with zero fraud chargeback risk.
How does Meses Sin Intereses (MSI installments) work for Conekta merchants? ▼
Conekta allows merchants to offer 3, 6, 9, or 12 interest-free monthly installments to Mexican credit card holders. The merchant absorbs an installment surcharge (ranging from 4.5% to 12.5%), receiving full payment upfront.
What is the Gross-Up formula for Conekta card processing with 16% IVA? ▼
To receive an exact $1,000 MXN net on a 2.90% + $2.50 MXN transaction with 16% IVA: Gross = (1,000 + (2.50 * 1.16)) / (1 - (0.029 * 1.16)) = $1,037.73 MXN.
What settlement schedules apply to Conekta payouts in Mexico? ▼
Conekta deposits funds into Mexican CLABE commercial bank accounts on a rolling 2 business day schedule (T+2) via automated SPEI interbank transfer.
How does Conekta compare to Mercado Pago and Stripe in Mexico? ▼
Conekta specializes in Mexican local commerce with superior OXXO Pay barcode recognition, while Stripe offers broader international cross-border developer APIs, and Mercado Pago dominates retail POS.