# 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 with a reference number. They then bring their voucher to an OXXO store to make a cash payment. Vouchers expire after 5 days by default. You can set a custom expiration from 1 to 7 days with [`payment_method_options[oxxo][expires_after_days]`](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-payment_method_options-oxxo-expires_after_days) on the PaymentIntent.

After the customer makes the payment, you receive confirmation by the next business day. Stripe sends a [`payment_intent.requires_action`](https://docs.stripe.com/api/events/types.md#event_types-payment_intent.requires_action) event when the voucher is issued and a [`payment_intent.succeeded`](https://docs.stripe.com/api/events/types.md#event_types-payment_intent.succeeded) event after the cash payment is processed at the store. 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
Your account might be reviewed after activation to confirm eligibility. While OXXO doesn’t enforce any additional website requirements, make sure that you provide a website that meets the [Stripe account activation requirements](https://support.stripe.com/questions/business-website-for-account-activation-faq). You can contact [Stripe support](https://support.stripe.com/) to appeal any OXXO capability restrictions.

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 and provides their name and email address.

#### 2. Receive voucher

The customer receives a voucher containing a 32-digit transaction reference number. On desktop, this appears in a modal on the checkout page or on a separate Stripe-hosted page based on your integration. On mobile, the voucher opens in an in-app webview using the hosted voucher URL.

#### 3. Pay at OXXO store

The customer presents the voucher and makes a cash payment at any OXXO convenience store.

#### 4. Payment complete

The OXXO cashier provides the customer a receipt as immediate proof of payment.

### 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). 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).