# OXXO payments Learn about OXXO, a voucher-based payment method in Latin America. OXXO is a Mexican chain of convenience stores in Latin America. OXXO allows customers to pay bills and pay for online purchases in person with cash. When a customer initiates a transaction, they receive a voucher that includes a reference number. They then bring their voucher to an OXXO store to make a cash payment. After the customer makes the payment, you receive confirmation by the next business day. Funds settle as follows: - Payments made Tuesday through Thursday settle on the following Monday. - Payments made Friday through Monday settle on the following Wednesday. Payment method family: Vouchers Usability: Single-Use Access type: Instant provisional access Payment confirmation timing: Delayed Settlement timing: Up to 4 business days (T+4) Pricing: https://stripe.com/es-mx/pricing/local-payment-methods#oxxo ## Eligibility and availability ### Account Eligibility Business location: MX Account type: ✓ Merchant, ✓ Platform/Marketplace (Connect) Business model: ✓ B2B, ✓ B2C Business category: View list of prohibited and restricted business categories Review the list of *merchant category codes* (A Merchant Category Code (MCC) is a four-digit number that classifies the type of goods or services a business offers) that are prohibited or restricted for OXXO. - **Prohibited** MCCs are not supported by this payment method. - **Restricted** MCCs may be supported, but require additional information at account creation. | MCC | Description | Type | | ---- | ------------------------------------------------ | ---------- | | 4814 | Telecommunication Services | Prohibited | | 5541 | Service Stations | Prohibited | | 5966 | Direct Marketing - Outbound Telemarketing | Prohibited | | 5967 | Adult Content and Services | Prohibited | | 5969 | Direct Marketing - Other | Prohibited | | 5968 | Direct Marketing - Subscription | Prohibited | | 5947 | Gift, Card, Novelty, and Souvenir Shops | Prohibited | | 5552 | Electric Vehicle Charging | Prohibited | | 5122 | Drugs, Drug Proprietaries, and Druggist Sundries | Prohibited | | 5912 | Drug Stores and Pharmacies | Prohibited | | 5993 | Cigar Stores and Stands | Prohibited | | 7273 | Dating/Escort Services | Prohibited | | 6211 | Security Brokers/Dealers | Prohibited | | 6538 | Software | Prohibited | | 6051 | Cryptocurrency exchanges and wallets | Prohibited | | 6012 | Financial Institutions | Prohibited | | 7322 | Financial Service | Prohibited | | 9406 | Government-Owned Lotteries (Non-US region) | Prohibited | | 7994 | Video Game Arcades | Restricted | | 7841 | Video Tape Rental Stores | Restricted | Stripe accounts in the following countries can accept OXXO payments with local currency settlement. AMER: MX Customers in the following countries can use OXXO. AMER: MX ### Payment Support Buyer location: MX Presentment currency: MXN Geographic coverage: ✓ Domestic, ✗ Crossborder Transaction limits: Minimum amount: 10.00 MXN Maximum amount: 10,000.00 MXN ## Capabilities Recurring payments: ✗ Not supported Payment authorizations: ✗ Extended authorizations ✗ Flexible extended authorizations ✗ Incremental authorizations ✗ Decremental authorizations ✗ Re-authorizations Payment captures: ✗ Manual capture ✗ Partial capture ✗ Multi-capture ✗ Over-capture Refunds: ✗ Partial refunds ✗ Full refunds Disputes: ✗ Partial disputes ✗ Full disputes ### Disputes OXXO doesn’t support the standard dispute process—customers can’t file a chargeback, and funds are never withdrawn from your Stripe balance because of a dispute. If a customer has a concern about a OXXO payment, they need to contact you directly. ### Refunds OXXO payments can’t be refunded. If you want to allow refunds of OXXO payments, create a separate process to credit your customers. ## Stripe product support Products: ✓ Checkout ✓ Payment Links ✓ Payment Element ✗ Express Checkout Element ✓ Mobile Payment Element ✗ Managed Payments ✗ Billing ✗ Invoicing ✗ Adaptive Pricing ✗ Customer Portal ✗ Radar ✗ Terminal ✓ Connect APIs: ✓ PaymentIntents ✗ PaymentIntents with setup_future_usage ✗ SetupIntents ✓ CheckoutSessions ## Customer Experience #### 1. Select OXXO at checkout The customer selects OXXO at checkout. #### 2. Receive voucher The customer receives a voucher with the transaction reference number. #### 3. Pay at OXXO store The customer presents the voucher and makes a cash payment at any OXXO convenience store. #### 4. Payment complete The customer gets notification that payment is complete. ### Transaction Identifiers When a customer initiates an OXXO payment, Checkout redirects them to a Stripe-hosted page containing an OXXO voucher with a 32-digit transaction reference number. Optionally, you can email them payment instructions containing a link to the voucher page. The Stripe-hosted voucher page and payment instruction email don’t include [statement descriptors](https://docs.stripe.com/get-started/account/statement-descriptors.md). Instead, they display the OXXO transaction number and the business name of the *merchant of record* (The legal entity responsible for facilitating the sale of products to a customer that handles any applicable regulations and liabilities, including sales taxes. In a Connect integration, it can be the platform or a connected account). ## Enable OXXO If you use our front-end products, you can enable OXXO directly from your [payment method settings](https://dashboard.stripe.com/settings/payment_methods) – no additional integration required. Stripe then automatically determines the most relevant payment methods to display to your customers. If your integration requires manually listing payment methods, learn how to [manually configure OXXO as a payment](https://docs.stripe.com/payments/oxxo/accept-a-payment.md).