Armando Herrera

PayPal gets payments license in México to expand regulated operations #PayPal Payments México has secured approval from the Secretaría de Hacienda y Crédito Público to operate as an Institución de Fondos de Pago Electrónico, marking its entry into Mexico’s regulated fintech framework. The authorization, published in the Diario Oficial de la Federación, confirms a capital base of 6,785,388 pesos and formalizes the company’s transition from its previous corporate name, Inguz Digital, following its request to the Comisión Nacional Bancaria y de Valores to update its legal denomination and capital structure. This approval is the fifth granted this year, following Aereus, Moneki, FincoPay and Fintoc, reflecting growing regulatory momentum for digital payment institutions. Under the Ley para Regular las Instituciones de Tecnología Financiera, IFPEs can issue electronic payment funds, open digital accounts, enable peer-to-peer transfers and provide payment instruments linked to electronic balances. With this decision, Mexico now counts 89 authorized fintech entities, of which 62 fall under the IFPE category and 27 operate as crowdfunding platforms within the Instituciones de Financiamiento Colectivo segment. The authorization strengthens PayPal’s position in the Mexican digital payments market and reinforces the broader expansion of regulated financial technology services across the country. The article on Milenio in the first comment.

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Five months ago, we officially launched our brand in Honduras together with our first service: International Remittances. From day one, our purpose was clear: to simplify financial services and build a solution grounded in trust, accessibility, and simplicity for Hondurans. Since then, we have been relentlessly focused on improving every aspect of our service: expanding our payout network, strengthening partnerships, enhancing customer experience, and optimizing our processes. Today, I’m proud to announce we are expanding our portfolio of products with the launch of 'Envío y Retiro de Dinero', a nationwide solution for sending and withdrawing money. The service is now available at Loto's 2,000+ points of sale across the country. This service was designed by listening closely to families, entrepreneurs, and businesses across Honduras. Moving money locally is part of everyday life and it should be simple, fast, and reliable. With this launch, we are taking another meaningful step in building a more inclusive financial ecosystem. I am incredibly proud of how far we have come in such a short time. What we have achieved in five months reflects the dedication of our team, the strength of our partners, and the trust of our customers. And we are just getting started. We have additional product releases planned for the upcoming year; some improvements to traditional services and others designed to address needs that are not yet fully served in the market. We will continue creating new solutions, new experiences, and new ways to bring greater simplicity and value to the financial lives of Hondurans. Today we celebrate a new service, but most importantly, we celebrate a project that continues to grow to better serve Honduras.

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⚖️ The Mexican Payments Evolution: A Structural Shift Could Take Place. My take on this: The regulatory actions proposed by Banxico and the CNBV are part of a broader initiative to recalibrate the financial ecosystem. Among these measures, the decision to cap interchange fees on card transactions (0.3% for debit and 0.6% for credit) goes beyond a technical adjustment it represents a structural reset. In practical terms, these proposed caps would be substantially lower than current averages, reducing rates by roughly 60–75% depending on the merchant category. This reset is fundamentally aimed at increasing financial inclusion and providing affordable digital payment access to SMEs who have historically been excluded by high costs and complexity. It signals that the next chapter of commerce in Mexico will be built on transparency, efficiency, and alignment. We've seen the global blueprint for this shift: 🇪🇺 Europe (2015) capped interchange. Transparency surged, and innovation followed. 🇦🇺🇳🇿 Australia (2003) & New Zealand (2022) introduced clearer pricing rules. Competition shifted toward technology and service. 🇧🇷 Brazil's open models forced every player to justify value instead of hiding margin. The pattern is clear: when pricing becomes transparent, ecosystems evolve. Here is when transparent models like IC++ become more than pricing frameworks. They become signals of shared incentives and long-term thinking. Open Question: Considering all the moving parts—acquirers, aggregators, issuers, merchants, and cardholders—who in the Mexican payments ecosystem stands to gain or lose the most from this possible structural shift toward transparency? #Payments #Fintech #Mexico #DigitalCommerce #Regulation #Digitaladoption #commerce

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The launch of our direct card-in solution in #Mexico is more than just a new product complementing our SPEI offering in the country, it’s a strategic leap in our mission to deliver localized, high-performing, and fully orchestrated payment experiences across Latin America. In a market where card payments drive over a quarter of iGaming activity, direct local acquiring translates into faster processing, higher approvals, and total control of payment flows, empowering merchants to maximize performance and address every local payment demand seamlessly. We at OKTO are committed to helping operators grow efficiently by removing friction and complexity from the payment experience across every touchpoint and every market. And we don’t stop there. Our capabilities go beyond payment processing to include treasury management, liquidity optimization, and settlement orchestration, enabling true end-to-end efficiency. This expansion builds on our recent real-time account-to-account rollout in #Peru, reinforcing our focus on scalable, compliant, and market-fit solutions that drive conversion, trust, and growth across the region. Proud of our OKTO team for executing with precision, pace, and vision.

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Plata, one of Mexico's fast growing fintech firms gets banking license - #banking #fintech #payments #creditcards https://lnkd.in/gvsDi_ee

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During Crosstech World 2025, Esteban de la Peña Padilla, Co-Founder & CPO at saf.money, broke down how cross-border payments really work — from liquidity pools to real-time settlement. Watch the full interview to learn how SAF Money is reshaping remittances across Latin America: https://lnkd.in/eJjy_5EW

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