SACBE

What SACBE does

Sacbé Payments de México, SAPI de CV, Institución de Fondos de Pago Electrónico (commercial name: SACBÉ) is a Mexican fintech founded in 2019 and headquartered in Mexico City (Lomas de Chapultepec, Miguel Hidalgo). It operates as a regulated Electronic Payment Fund Institution under Mexico's Ley Fintech, supervised by CNBV, BANXICO, and CONDUSEF, offering P2P payments, prepaid card issuance, and cross-border remittances from the United States to Mexico.

The company's core technology consists of a mobile application (SACBÉ app) for Android and iOS, the SACBÉ CARNET® prepaid card for in-store, online, and ATM transactions, and regulated e-money infrastructure that holds customer funds. It also operates a beneficiary designation feature for succession. Distribution combines a digital self-serve channel with physical commission agent locations inside Chedraui retail stores, enabling card issuance and customer onboarding offline.

SACBÉ monetizes primarily through transaction fees on cross-border transfers (publicly disclosed at $1.50 USD per US-to-Mexico transfer) and FX spread on currency conversion. It targets Mexican consumers — including the unbanked and underbanked — as well as Mexican diaspora remittance senders in the United States. Headcount is in the 11–50 range, no funding rounds or revenue figures are publicly disclosed, and audited financial statements through 2025 are published on the corporate site under CONDUSEF transparency requirements.

Name

SACBE

Legal name

SacbéPayments de México, SAPI de CV, Institución de Fondos de Pago Electrónico

Website

https://sacbepayments.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

SACBE is a Mexican-regulated Electronic Payment Fund Institution offering P2P payments, a prepaid card (SACBÉ CARNET), and US-to-Mexico remittances via mobile app, targeting Mexican consumers and the US-Mexico remittance corridor.

Ownership category

akta.pro rank

Product category

Digital Payments

NAICS

Depository Credit Intermediation (5221)

SIC

Finance Services (6199)

akta.pro primary industry

Cross-border/Remittance Neobanks (FSABAFAH)

akta.pro secondary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Mobile payments
• Peer-to-peer transfers
• Prepaid debit cards
• Cross-border remittances
• Digital wallet

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Money Transfer Fees: SACBE charges a commission of $1.50 USD for transfers from SACBE accounts in the USA to SACBE accounts in Mexico. Revenue is generated through transaction fees on cross-border remittances.
2. Currency Exchange Spread: SACBE generates revenue through the foreign exchange conversion when customers send money internationally. The company determines the exchange rate applied to transactions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

SACBÉ is a mobile-first digital payments platform offering peer-to-peer money transfers in Mexico, a prepaid debit card (SACBÉ CARNET®) for purchases and cash withdrawals, and cross-border remittances from the United States to Mexico at a stated fee of $1.50 USD per transfer. The service is delivered through the SACBÉ mobile application and operated as a regulated Electronic Payment Fund Institution (Institución de Fondos de Pago Electrónico) under Mexican FinTech law.

Product overview

SACBE operates as a single-platform mobile financial services provider consisting of the SACBÉ mobile application and the SACBÉ CARNET® prepaid card. The platform is designed for Mexican consumers and the Mexican diaspora in the United States, offering peer-to-peer money transfers, cross-border remittances from the US to Mexico, in-store and online purchases, and cash withdrawals. An ancillary beneficiary designation service is integrated into the app for succession purposes. The company is organized as an electronic payment fund institution (Institución de Fondos de Pago Electrónico) under Mexico's Ley Fintech regulatory framework.

Differentiator

Problem solved

Functional benefit

Brands

• SACBÉ CARNET: A debit/card product offered by SACBÉ that allows users to make payments, transfers, and purchases, and obtain cash withdrawals.

Products and services

• SACBÉ Mobile Application Mobile application for Android and iOS that enables users to pay, request, and receive money between friends and family in Mexico; supports account management, beneficiary registration, and peer-to-peer transfers. Targeted at Mexican consumers and underbanked users seeking low-cost digital financial services.
• SACBÉ CARNET® Prepaid Card Prepaid card issued by Sacbé that allows users to make purchases at physical and online stores, withdraw cash, and transfer money to contacts in Mexico without unfair commissions. Targeted at SACBÉ app users who need a physical payment and cash-access instrument.
• US-to-Mexico Cross-Border Remittance Service Service enabling users to send money from the United States to Mexico via their SACBÉ account, with a fee of $1.50 USD per transaction, with funds deliverable to the recipient's SACBÉ account in Mexico. Targeted at US-based senders (including the Mexican diaspora) and their contacts in Mexico.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• ChedrauicoreChannel Partner/ Reseller/ DistributorChedraui serves as a commission agent location where customers can access SACBE services and obtain their SACBE CARNET® prepaid cards. This partnership provides physical distribution touchpoints across Chedraui's retail presence in Mexico.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Remitly: US-headquartered digital remittance platform with the US-Mexico corridor as a flagship lane. Directly comparable to SACBE's core cross-border remittance product, both targeting diaspora senders and offering regulated, mobile-first transfers.
• Bitso: Mexico-headquartered crypto-fiat exchange and remittance platform with deep US-Mexico corridor focus. Comparable to SACBE on Mexico-based regulated cross-border money movement and on serving Mexican diaspora senders.
• Nu México (Nubank): Mexican subsidiary of Nubank operating as a regulated challenger bank/neobank offering digital accounts, debit cards, and transfers. Directly comparable to SACBE as a regulated Mexican digital financial services provider targeting underbanked consumers.
• Cashi: Mexican digital wallet and prepaid card product backed by Grupo Elektra, offering P2P transfers, payments, and cash access at retail. Comparable to SACBE on retail-distributed Mexican digital wallet and card product.
• Albo: Mexican regulated neobank offering multi-currency accounts, debit cards, and P2P transfers. Directly comparable to SACBE on regulated e-money account, prepaid card, and digital wallet product mix within Mexico.
• Spin by OXXO: Digital wallet and prepaid card product from OXXO (Femsa), targeting Mexican consumers for P2P transfers, payments, and cash access. Comparable to SACBE on retail-anchored distribution and Mexican digital wallet competition.
• DiDi Pay México: Digital payments and wallet offering from DiDi in Mexico, including P2P transfers, payments, and cash-in/cash-out via convenience stores. Comparable to SACBE on Mexican consumer digital wallet and remittance-adjacent use cases.

Emerging players

• Klar: Mexican regulated neobank offering digital accounts, debit cards, and savings products to consumers. Comparable to SACBE as a regulated Mexican digital financial services provider, with broader consumer banking scope.

Broad incumbents

• Mercado Pago: Dominant LatAm digital wallet and payments platform with a strong presence in Mexico, offering P2P transfers, prepaid cards, and payments. Comparable to SACBE's wallet-plus-card product strategy at much larger scale.
• Western Union: Global incumbent in cross-border money transfers with the largest US-Mexico remittance market share. Comparable to SACBE as a regulated remittance provider serving the same corridor, but offers a much broader global network and agent-based cash payout infrastructure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 SACBE