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Solution 02

Pagos Digitales & B2B PSP Registration

Registration as a Payment Services Provider before the CNBV, card network compliance, and the legal framework your payment infrastructure needs to operate at scale in Mexico.

What We Do

The Legal Layer for Payment Infrastructure

Mexico's payment ecosystem is regulated by a multi-layer framework involving the CNBV, Banxico, and international card networks (Visa, Mastercard). For companies building card acceptance infrastructure, payment orchestration platforms, or B2B payment rails, navigating this landscape requires specialized expertise.

We advise payment companies, acquirers, gateways, and B2B PSPs on the full legal and regulatory lifecycle — from initial structuring and CNBV registration to card network agreements, merchant contracts, and ongoing compliance.

This is one of LIT's most demanded services and one where our practical experience with regulators and card networks sets us apart from generalist counsel.

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Services Included

  • PSP registration before the CNBV
  • Payment network participation (SPEI, CoDi, PROSA)
  • Card network compliance (Visa, Mastercard, AMEX rules)
  • Acquiring agreements and merchant contracts
  • Payment gateway legal frameworks
  • PCI-DSS legal support and contractual requirements
  • B2B payment rails and settlement agreements
  • ISO / PayFac legal structures
  • Cross-border acquiring and FX compliance
  • AML/KYC program design for payment companies
  • Chargeback dispute frameworks
  • Digital payment product legal review
Why LIT for Payments

We Speak Payments.

PSP Registration Specialists

We've guided payment companies through the CNBV's PSP registration process — including documentation, structuring requirements, and the regulatory correspondence that determines speed of approval.

B2B & Enterprise Focus

We understand the B2B payments landscape — multi-party agreements, platform liability, sub-merchant structures, and the contractual frameworks that hold complex payment architectures together.

End-to-End Support

From pre-launch product review to post-authorization compliance programs — we stay with you through the full lifecycle, not just the registration filing.

Our Process

From Registration to Operation

A clear path to becoming a registered and compliant PSP in Mexico.

01

Business Model Review

We map your payment flows, identify which regulatory categories apply, and define the optimal registration strategy for your specific model.

02

Corporate Structuring

We design the legal entity structure required for PSP registration, including AML policies, governance, and the documentation package the CNBV expects.

03

CNBV Filing & Network Entry

We manage the registration filing and coordinate card network agreements (acquiring, issuing, or both) in parallel to minimize launch delays.

04

Compliance Program

Post-registration, we build your ongoing compliance infrastructure — internal policies, reporting obligations, and the contractual templates you need to onboard merchants.

Common Questions

Pagos Digitales & PSP FAQ

Payment Service Providers that process card transactions or participate in Mexico's payment networks must register with the CNBV. This applies to acquirers, payment facilitators, and platforms that route or settle transactions between merchants and card networks.
Yes. PSP registration is a lighter-touch regulatory process for payment infrastructure companies, while an ITF license covers electronic payment institutions that issue e-money or store user funds. Your specific model determines which applies — often both are relevant.
Yes, but it typically requires establishing a local Mexican entity. We advise on the most efficient structure for international payment companies entering the Mexican market, including how to manage the local entity requirements.
Yes. We review and negotiate the legal terms of network participation agreements, acquiring contracts, and the compliance obligations that come with card network membership — including the operational rules that affect your product design.

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