What peibo fintech does

Peibo Fintech, S.A.P.I. de C.V. Institución de Fondos de Pago Electrónico, is a Mexico-based regulated electronic payment institution operating under the country's Fintech Law as an IFPE, with oversight from Banco de México and the CNBV. The company provides a multi-product payments and treasury platform built around SPEI transfers, business debit cards (Tarjeta Business), bill payment (Pago de Servicios), API-based integrations (Peibo API), Token Digital, peripheral CLABEs, mass disbursements (Dispersión de Pagos) and a global treasury module (Tesorería Global). The platform targets Mexican SMB and mid-market customers across verticals including consulting, retail, accounting, advertising and real estate, supporting both direct onboarding and embedded integrations.

Operationally, Peibo reports 60,000+ users, 24M+ annual transactions and 8M+ cyber attacks prevented, suggesting an installed base processing meaningful payment volume and operating a non-trivial security stack. Its revenue model combines a $150 MXN/month plus IVA subscription with a $2.58 MXN plus IVA outbound SPEI transfer fee, plus card and service-payment economics not fully disclosed in the materials. Distribution is digital-first, with API channels enabling partner and vertical integrations in addition to direct SMB acquisition.

The company has not disclosed external venture funding, acquisitions, leadership changes or public valuation events in the available data, and operates without disclosed AI/ML capabilities. Its primary strategic positioning rests on regulatory authorization, multi-product breadth within the IFPE perimeter, and a diversified vertical footprint in the Mexican SMB segment.

Name

peibo fintech

Legal name

Peibo Fintech, S.A.P.I. de C.V. Institución de Fondos de Pago Electrónico

Website

https://peibo.mx

Company type

Private

Operating status

Operating

Short description

Peibo Fintech is a Mexico-regulated IFPE providing electronic payments, business cards, API-based disbursements and treasury tools to SMB and mid-market customers across consulting, retail, accounting, advertising and real estate verticals.

Ownership category

akta.pro rank

Product category

Corporate Financial Management Software

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

akta.pro secondary industries

Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Tokenization, Network Vaults & Credential Management (FSAGABAF)

Keywords

• Corporate treasury management
• Electronic payment services
• SPEI transfer platform
• Business expense management
• Fintech API integration

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin 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. Monthly Account Commission: Monthly fee charged to clients for account management and platform access.
2. SPEI Transaction Fees: Per-transaction fees charged for outbound SPEI (interbank electronic transfers) operations.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Peibo Fintech operates a unified financial control platform for Mexican enterprises with high transaction volumes, offering real-time SPEI interbank electronic transfers and payments, corporate cards with real-time spending controls, unified service payments and treasury visibility, and an enterprise API for integration with existing business systems. The company is regulated as an Electronic Payment Fund Institution (Institución de Fondos de Pago Electrónico) under Mexico's Fintech Law, supervised by Banco de México and CNBV.

Product overview

Peibo is a unified financial control platform for Mexican enterprises with high transaction volumes. The platform integrates four core products: SPEI (for electronic transfers and payments), Tarjeta Business (corporate card with real-time spending controls), Pago de Servicios (service payments and treasury management), and Peibo API (for enterprise automation and integration). Supporting features include Token Digital (security authorization), CLABEs Periféricas (income identification), Dispersión de Pagos (mass payments), and Tesorería Global (comprehensive treasury visibility). The platform operates as an electronic payment fund institution regulated by Banco de México and CNBV.

Differentiator

Problem solved

Functional benefit

Products and services

• SPEI (Transferencias y Pagos Electrónicos) Platform for SPEI transfers and electronic payments enabling real-time money movement for Mexican companies without intermediary banks, including mass disbursement for payroll, suppliers, and taxes.
• Tarjeta Business Corporate card product that enables real-time monitoring and control of corporate spending by team members with customizable limits for Mexican businesses.
• Pago de Servicios Service payment platform providing unified and updated treasury vision for paying utilities (gas, electricity) and government services for Mexican businesses.
• Peibo API Enterprise API for automating financial operations while maintaining control and traceability, including user management, financial institution connections, electronic transfer sending, operation notifications, and card payment processing.

Quantifiable outcome

• 48-hour account opening process
• +3 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Clip: Clip is a Mexican payment acceptance and SMB banking platform offering card acceptance, transfers, and digital business accounts to Mexican merchants. It is directly comparable to Peibo as both target Mexican SMBs with high transaction volumes and compete on bundled payments, card, and treasury functionality.
• Konfío: Konfío is a Mexican fintech providing digital banking, payments, and credit solutions to SMBs. It competes directly with Peibo in the Mexican SMB financial management category and shares a similar regulated fintech posture targeting high-transaction-volume businesses.
• Albo: Albo is a Mexican neobank providing digital accounts, debit cards, and payment services to consumers and businesses. It is directly comparable to Peibo in targeting the Mexican digital financial services segment with regulated deposit-like accounts and payment functionality.
• Kushki: Kushki is a Latin American payments infrastructure provider enabling online payment processing, transfers, and acceptance across multiple countries including Mexico. It is comparable to Peibo as both serve Mexican businesses with payment APIs and integration capabilities, though Kushki focuses more on acceptance and Peibo on disbursement/treasury.
• UnDosTres: UnDosTres is a Mexican mobile payments platform enabling airtime top-ups, bill payments, and digital transactions for Mexican consumers and small businesses. It is comparable as a Mexico-based digital payment platform focused on transaction-based revenue and SMB/consumer payment flows.

Broad incumbents

• Mercado Pago: Mercado Pago is the payments arm of Mercado Libre and a dominant SMB payment and digital wallet provider across Latin America. It is comparable as a broader incumbent offering transfers, card acceptance, and digital accounts to Mexican SMBs, though at much larger scale and broader product breadth than Peibo.
• BBVA México: BBVA México is one of Mexico's largest commercial banks offering SMB accounts, payments, cards, and treasury services. It is comparable as a broad incumbent competing for the same Mexican business customer treasury and payment flows that Peibo targets, though with vastly greater scale and product breadth.

Emerging players

• Nelo: Nelo is a Mexican fintech offering credit cards and financial services to consumers and SMBs. It is comparable to Peibo as a Mexico-based emerging fintech targeting similar SMB segments with card-based products, though with greater emphasis on credit rather than treasury management.

Others

• STP (Sistema de Transferencias y Pagos): STP is a Mexican payment systems operator providing interbank clearing and payment infrastructure that underpins SPEI and other rails. It is adjacent to Peibo as infrastructure that Peibo relies on for SPEI transfer execution and is relevant as an enabling/ecosystem participant in the Mexican payment stack.

Regional players

• Spin by OXXO: Spin by OXXO is a Mexican digital payments and lending platform leveraging the OXXO retail network to serve consumers and merchants. It is comparable as a Mexico-focused payments fintech serving SMB payment and financial needs, though distributed primarily through OXXO's retail channel rather than direct digital onboarding.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/PeiboFintech
• YouTubeyoutube.com/@PeiboFintech
• Facebookfacebook.com/Peibo.Fintech
• LinkedInlinkedin.com/company/peibo-fintech
• Instagraminstagram.com/peibofintech

Compliance2 records

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 peibo fintech