Arcus Financial Intelligence

What Arcus Financial Intelligence does

Arcus Financial Intelligence (Arcus FI) is a Mexico-based, regulated financial technology institution that operates a real-time payment platform for businesses. It is wholly owned by Mastercard and was authorized in September 2023 by the Comisión Nacional Bancaria y de Valores (CNBV) and Banco de México as an Institución de Fondos de Pago Electrónico (Electronic Payment Funds Institution) under Mexico's Fintech Law. The company connects directly to SPEI, Mexico's real-time interbank payment system, and integrates Dimo®, Banco de México's phone-number-based electronic transfer service, under license. Its core product is a web-based dashboard and modular API platform that enables Mexican businesses (personas morales) to send and receive 24/7 real-time transfers using CLABE account numbers, beneficiary card numbers, or Dimo-linked mobile numbers, along with instant CLABE generation, bulk payment execution, real-time alerts, reconciliation, and a sandbox testing environment. The platform is PCI DSS certified and supervised by Banxico/CNBV.

Arcus generates revenue through transaction-based commissions on transfer orders, billed in Mexican pesos plus IVA (VAT), on a pay-as-you-go basis. Pricing is uniform across transaction types—single transfers, bulk transfers, CLABE-based, and card-based—with a published cost and commission table on its website. Its go-to-market is primarily digital and self-serve through the arcusfi.com website and dashboard, supplemented by enterprise support delivered through Mastercard Connect. The target customer segment is corporate entities in Mexico seeking a regulated, agile, and API-driven alternative to traditional bank channels for executing and receiving electronic transfers. The company is headquartered in Mexico City (Avenida Paseo de la Reforma 250), operates exclusively in Mexico, and has a headcount in the 51–100 range. No independent funding rounds are disclosed, consistent with its status as a wholly-owned Mastercard subsidiary; the parent provides brand, infrastructure, and strategic backing.

Name

Arcus Financial Intelligence

Legal name

Arcus F.I., S.A. de C.V., Institución de Fondos de Pago Electrónico

Website

https://arcusfi.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

51–100 employees

Short description

Arcus Financial Intelligence is a Mastercard-owned, CNBV/Banxico-regulated Mexican payment institution that provides businesses a 24/7 API and dashboard platform for real-time SPEI and Dimo transfers, CLABE generation, and payment reconciliation.

Ownership category

akta.pro rank

Product category

Real-Time Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Corporate Treasury & Supplier Payments (AP, Mass Payments) (FSAMAKAL)

akta.pro secondary industries

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Real-time payment platform
• SPEI payment infrastructure
• CLABE interbancaria management
• Electronic fund transfers
• Mexico payment solutions

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Transaction/Transfer Fees: Arcus FI charges commissions on transfer orders, applicable to all transaction types including single payment transfers, bulk payment transfers, transfers using beneficiary CLABE, beneficiary card number, and other methods. Commissions are charged in Mexican pesos plus VAT.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels2 records

Core offering

Arcus Financial Intelligence operates a regulated PaaS payment platform that connects businesses in Mexico directly to the SPEI real-time payment system and Dimo mobile-phone-based transfer service. The platform enables 24/7 sending and receiving of electronic funds, instant CLABE interbancaria generation and management, bulk payment execution, real-time reconciliation, and end-to-end traceability via an intuitive dashboard and modular APIs.

Product overview

Arcus Financial Intelligence offers a unified fintech platform for real-time payments in Mexico, built around its core Arcus FI Platform connected directly to SPEI (Mexico's real-time payment system) and Dimo (Banco de México's phone number-based transfer service). The platform provides modular APIs and an intuitive Dashboard for managing CLABE interbancaria generation, fund transfers, and payment reconciliation. Products include the core platform, Dashboard for operations management, CLABE creation/management features, and Dimo integration—all regulated by Banxico/CNBV and PCI DSS certified.

Differentiator

Problem solved

Functional benefit

Products and services

• Arcus FI Platform A real-time payment platform enabling SPEI transfers and CLABE interbancaria management for businesses, operating 24/7 with direct connection to Mexico's national payment infrastructure.
• Arcus FI Dashboard Intuitive web-based dashboard for managing payment operations, generating CLABEs, extracting reports, viewing account statements, and executing transfers for business clients.

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

One partnership is on record.

• Banco de MéxicocoreTechnology or IntegrationArcus FI is authorized and regulated by Banco de México (Banxico) and the Comisión Nacional Bancaria y de Valores (CNBV) under the Ley para Regular las Instituciones de Tecnología Financiera. The platform connects directly to SPEI, Mexico's real-time payment system operated by Banco de México, and integrates Dimo®, Banco de México's mobile-phone-based transfer service, under a licensing agreement.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Conekta: Conekta is a Mexican payments processor providing online and in-person payment acceptance APIs for businesses. Directly comparable to Arcus as a Mexico-focused payment infrastructure platform serving merchants and businesses.
• Clip: Clip is a Mexican fintech providing payment acceptance solutions, including card readers and payment processing APIs for SMBs. Comparable to Arcus as a Mexican payment infrastructure provider targeting businesses with digital payment tools.
• Belvo: Belvo is a Latin American open banking API platform enabling account-to-account payments and financial data connectivity. Directly comparable to Arcus for A2A payment connectivity and financial infrastructure in Mexico/LATAM.
• STP (Sistema de Transferencias y Pagos): STP is a Mexican payment processor operating real-time payment infrastructure for interbank transfers. Directly comparable to Arcus as a Mexican A2A payment infrastructure provider connecting to SPEI and serving corporate payment needs.
• Kushki: Kushki is a LATAM payment infrastructure company providing APIs for online and in-person payment processing across multiple Latin American countries. Comparable to Arcus as a regional payment API platform targeting businesses.

Broad incumbents

• Mercado Pago: Mercado Pago is the payments arm of Mercado Libre, offering payment acceptance, transfers, and financial services across LATAM including Mexico. Comparable as a dominant Mexican payment platform with broad merchant and consumer reach.
• BBVA México: BBVA México is one of Mexico's largest banks offering corporate banking, payment services, and APIs including SPEI connectivity. Comparable to Arcus as a major Mexican financial institution serving business payment needs.
• Citibanamex: Citibanamex is a major Mexican commercial bank offering corporate payments, SPEI connectivity, and treasury services. Comparable to Arcus as an established Mexican financial institution serving business payment infrastructure needs.

Emerging players

• Bitso: Bitso is a Mexican-founded crypto exchange and fintech platform expanding into payments and transfers. Comparable to Arcus as a Mexican fintech with payment and transfer services for businesses and consumers.

Regional players

• Nequi: Nequi is a Colombian digital wallet/payments platform with similar A2A transfer functionality for businesses and consumers. Comparable to Arcus as a LATAM digital payments platform with phone-number-based transfer capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key highlights7 records

Customer concentration

• Xx.com/arcusfi
• LinkedInlinkedin.com/company/arcusfi

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds5 records

Investors27 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Arcus Financial Intelligence