Accepting OXXO payment: What merchants need to know

As more businesses expand into Latin America, understanding how local customers prefer to pay has become essential. One of the most widely used payment methods in Mexico is OXXO—a cash-based solution that helps you accept website payments from customers who don't use cards or bank accounts. If you're looking to reduce checkout friction and connect with a broader audience, OXXO might be the low-barrier solution you're overlooking.

Understanding OXXO payment

What is OXXO?

OXXO is a household name in Mexico. Operated by FEMSA, it’s a vast chain of convenience stores that number over 20,000 locations nationwide and 2,000+ across Latin America. These stores are not just neighbourhood staples for groceries and essentials. They also play a central role in how millions handle bills and online purchases in-store.

This retail giant doubles as a financial bridge, letting buyers pay for utilities, school fees, mobile top-ups, and e-commerce orders with cash. For customers without a bank account or card, OXXO is often the default payment method in Mexico.

How OXXO payments work

Here’s how a typical OXXO looks like:

1. At checkout, the customer selects OXXO as their payment method.
   
   
2. The system generates a voucher with a unique barcode or reference number, which can be printed or saved on a phone.
   
   
3. The customer goes to any OXXO store with the voucher.
   
   
4. The cashier scans the barcode or enters the reference number, and the customer pays the amount in cash.
   
   
5. OXXO processes the payment and sends confirmation to the merchant, usually within hours.
   
   
6. The merchant’s system updates, and the customer receives confirmation that their order is complete.

Who uses OXXO payment and why?

The cash economy in Mexico

About half of Mexico's adult population still rely on cash, not because they’re behind the times, but because digital payments don’t always fit their day-to-day reality. Whether it’s limited access to banking or just a preference for keeping things tangible, cash is how many manage their finances.

OXXO makes it easier to stick with cash while still being part of the online economy. With stores on nearly every corner, it lets people pay for online purchases in person, at a time that works for them. It’s not about resisting change but about choosing what feels reliable, safe, and familiar.

Ideal customer segments

Who benefits from OXXO payment? Start with younger shoppers who haven’t opened bank accounts yet. Then consider rural consumers, whose internet access or banking services might be limited. Add to that privacy-conscious customers who opt for cash to keep financial details offline.

All these groups represent high-potential market segments that are often excluded from conventional online payment flows.

Benefits of accepting OXXO payments

• Reach untapped markets: Access millions of cash-first customers in Mexico who are currently outside traditional banking channels.
  
  
• Reduce chargebacks: Payments are confirmed only after the cash is collected, making them final and not subject to disputes.
  
  
• Increase checkout conversions: Cash-preferred customers are more likely to complete orders when presented with familiar payment methods.
  
  
• Support revenue in new regions: Offering localised options like OXXO strengthens your position when entering or scaling in Latin America.

How to integrate OXXO payments with Antom

Technical workflow

Antom supports OXXO through a lightweight, developer-friendly integration. At checkout, a voucher is generated through Antom’s API. Once the customer completes the payment at a store, a webhook notifies your backend in near real time. Funds are then settled within 1 to 3 business days, either to your Antom wallet or designated bank account.

It’s designed to be robust and reliable—reducing error while giving you control over fund flows and customer notifications.

Seamless onboarding with Antom

Onboarding with Antom requires minimal development effort. Whether you’re accepting website payments or operating in-store, the tools support smooth integration, automated reconciliation, and streamlined reporting.

Antom’s platform is built to help you accept payments efficiently across multiple markets without needing separate connections for each payment method.

Is OXXO safe and reliable?

With OXXO, the payment is complete once the cash is handed over. This lowers the risk of fraud and eliminates chargebacks. Customers receive a physical receipt, and merchants are notified digitally, creating a double confirmation layer.

Antom’s risk management layer adds another safeguard. Its fraud prevention tools help detect abnormal patterns and block transactions that don’t align with expected buyer behaviour.

How OXXO compares to other alternative payment methods in Latin America

Compared to these, OXXO stands out for its sheer scale, deep store coverage, and integration into everyday routines.

Get started with OXXO and Antom today

Adding OXXO to your checkout process opens up a significant customer segment that values familiarity, security, and flexibility. For businesses aiming to grow in Mexico or diversify their payment mix, OXXO is a practical addition to alternative payment solutions.

Antom offers the tools and support to make integration smooth, settlement predictable, and operations low-effort. Whether your focus is e-commerce, digital services, or subscription models, OXXO can help you complete more transactions—on terms your customers already trust.