In the digital age, having accessible payment options is vital for managing your money effectively. Among these is OXXO Pay, a well-established tool in Mexico that helps millions of people, especially those who prefer to pay in cash when shopping online.

That’s why we’ve put together a comprehensive guide on this payment method. From what OXXO Pay is and how it works to how you can make the most of it to manage your money smartly and without hassle.

OXXO Pay: What It Is, How It Works, Benefits, and More

What is OXXO Pay?

It is a payment method launched in 2017 by OXXO, developed for use in e-commerce. Its goal is to position itself as an accessible solution for Mexicans who prefer online shopping or do not have a bank account.

OXXO Pay offers real-time notifications and facilitates cash payments for electronic transactions. Additionally, the system is similar to other platforms like PayPal Mexico, providing a secure and efficient alternative in the digital marketplace.

How Does OXXO Pay Work?

OXXO Pay acts as a payment intermediary between you and the online store, without needing to use a credit or debit card.

All you need to do is select OXXO Pay as your payment method. This will generate a unique reference number that you must present at any nearby OXXO store.

Simply show it to the cashier and pay the corresponding amount.

Once the transaction is completed, you will receive a real-time notification confirming the payment, while the money is transferred to the merchant according to their schedule.

OXXO Pay App is available on Google Play or the App Store.

Key Features of OXXO Pay

With OXXO Pay, transactions are much simpler. It’s a payment method that offers several features making it accessible to millions of users in Mexico, including:

• Instant Confirmation. After using OXXO Pay for online payments, the system automatically notifies the seller, so orders or services are processed without delays.

• Wide Coverage. Over 20,000 OXXO stores across the country offer OXXO Pay, ensuring that consumers can benefit from the service almost anywhere in Mexico.

• Bank Integration. OXXO Pay connects with 15 of the main banks in Mexico, including BBVA, Santander, and Banorte, making it easier to manage bank deposits.

Like Google Pay or Apple Pay, OXXO Pay is a convenient solution if you’re looking for alternatives to the traditional banking system.

Advantages of OXXO Pay for Sellers and Consumers

Using the OXXO Pay App has become a popular method in Mexico, both for sellers and consumers.

Main advantages for merchants:

• Increased Sales. By accepting OXXO Pay, merchants can attract a larger number of customers. This opens new market opportunities and, therefore, a potential increase in sales.

• Fast Processing. The system allows orders to be processed quickly and efficiently, minimizing wait times and improving customer satisfaction.

• Risk Reduction. By receiving cash payments through OXXO Pay, merchants face fewer risks, such as chargebacks or fraud associated with electronic payments.

Main advantages for users:

• Ease of Use. Using OXXO Pay for online payments makes it easier to access the products and services available from merchants.

• Accessibility. The extensive network of OXXO stores throughout Mexico ensures that consumers can pay for their purchases, regardless of location.

• Transaction Security. Payments are made in a secure environment within OXXO platforms. Additionally, by issuing receipts for each transaction, users can have peace of mind.

What Can You Pay with OXXO Pay and Which Merchants Accept It?

The system can be used to pay for a wide variety of products and services online, as long as OXXO Pay is one of the payment methods accepted by the company where you’re shopping.

This includes:

• Purchases from e-commerce stores.

• Payments for services, such as phone, cable TV, and internet.

• Payments for streaming platforms.

• Top-ups, among others.

Which companies accept OXXO Pay?

There are several merchants that currently accept OXXO Pay, especially the main online stores and platforms in the country.

Mercado Libre, Netflix, Spotify, and Linio are some of them. If you have Amazon Cash, you can also use OXXO Pay to pay on Amazon.

Is OXXO Pay a Reliable Payment Method?

Yes, OXXO Pay was designed to prevent fraud, making it reliable. Additionally, it was developed in collaboration with Conekta, a well-established platform specializing in payment technology.

It’s worth noting that the store receives the transaction notification only when the money has been processed and confirmed by the cashier.

Tips for Using OXXO Pay

It’s true that OXXO Pay is a beneficial digital system that allows you to make cash payments for your online purchases. Even so, we want to offer some tips that can help you improve your experience.

• Activate your account before shopping. Ensure that your account is properly set up and active before attempting your first online purchase with OXXO Pay.

• Verify the seller’s reputation. Although we’ve clarified that OXXO Pay is secure, the best thing you can do is check the seller’s track record. Make sure that what you want to buy is available to protect yourself from possible delivery issues or scams.

• Ensure you can make the payment on time. Do not confirm the purchase if you’re not sure you can pay within the specified period. First, check the availability of funds to avoid having the transaction canceled.

• Review the requirements for loans. If you plan to apply for a loan through OXXO Pay, make sure you meet the requirements established by the relevant financial institution.

Consider these tips when taking advantage of OXXO Pay’s benefits and avoid a poor experience.

OXXO Pay Refund: How It Works

If an issue arises with an OXXO store and you need a refund, they will handle it. However, if the problem is related to an external provider, the company will only act as an intermediary in the process.

Before starting, make sure you have the original ticket on hand, as it will serve as proof. It must not be more than 30 days between the payment date and the claim.

As for the request, it is made by phone at 800 288 6996. Here you’ll need to open a file to start the claim process under payment guarantee.

If the payment was made for an online service, you will receive an email with detailed instructions on how to process the refund.

Best Alternative to OXXO Pay: Use Your Dolarcard

While the OXXO Pay app offers several benefits, there are more flexible options like Dolarcard, the virtual card from DolarApp.

Here’s why it’s a better alternative for payments:

• You can forgo using cash and make all your purchases digitally.

• In addition to managing your Dolarcard through the DolarApp, you can monitor your expenses, set spending limits, and receive real-time notifications of your transactions.

• You won’t need to go to any physical store to pay. With Dolarcard, transactions are made directly from your phone, saving you time and simplifying the process.

• Unlike OXXO Pay, Dolarcard allows you to pay anywhere in the world. That is, for international purchases and even travel.

• You can choose to shop in stores or pay for services in MXN or USD.

• Your pesos can be converted into dollars almost instantly, or vice versa, offering the best exchange rate and more value for your money.

• You can easily split the bill with friends using the DolarApp card.

Using Dolarcard is an excellent alternative to OXXO Pay for all these reasons. Moreover, it’s a secure payment system with advanced fraud protection.

Try DolarApp!

Frequently Asked Questions

How long does it take for the payment to be reflected with OXXO Pay?

Transactions made through OXXO Pay are usually reflected immediately. But in some cases, this may vary depending on the location or if it’s your first payment.

Does OXXO Pay charge fees?

Yes. If it’s for a loan, the fee ranges between 9 and 12 MXN. If it’s for paying for services or purchases, the fee is up to 15 Mexican pesos per transaction.

What are OXXO Pay’s operating hours?

OXXO Pay is available 24/7, just like OXXO stores. However, it’s crucial to check the maximum time you have to complete the payment, as the seller may set a 12 to 24-hour deadline.

Can I pay for Uber with OXXO Pay?

Yes, but you need to know how OXXO Pay works with Uber. First, you’ll receive an email with an AstroPay link, which will allow you to generate a payment reference. Below, you’ll see the barcode or the 30-digit series, which you’ll use when you go to the OXXO store to make the payment.