Actnet

Actnet: Overview For Merchants

Actnet is a Mexico-based payment service provider that enables businesses to accept online payments through cards, cash vouchers, and bank transfers. Actnet positions itself as a supervised aggregator in Mexico’s card acceptance ecosystem and provides a web dashboard, plugins, an API, and SDKs to help merchants integrate quickly. Actnet’s core offering includes card payments with Visa, Mastercard, and American Express, cash payments through convenience stores, and SPEI bank transfers.

What Is Actnet

Actnet is a payment platform designed to receive payments from an e-commerce site or custom application. It provides a merchant dashboard where transactions appear in real time, along with configurable alerts for high-value purchases. Actnet states that it is supervised under the Mexican financial oversight framework to operate as an aggregator, and it provides a contactable commercial team to guide onboarding and integration.

At a glance

• Company type: Payments aggregator serving Mexican merchants

• Core methods: Cards, cash payments in stores, SPEI bank transfers

• Integration: Plugins, REST API, SDKs, and payment links via email

• Risk tools: Banforce antifraud, alerts for large transactions

• Data security: Bansafe tokenization service for card data, SSL across the platform

• Support: Phone and email during stated business hours

Payment Methods Supported

Cards

• Accepted brands: Visa, Mastercard, and American Express credit and debit cards.

• Customer flow: Customers complete a hosted form or merchant checkout, receive email confirmation, and the transaction appears in the Actnet merchant panel.

• Lifecycle: After acceptance, the transaction is recorded and the status can move to liquidated when funds are settled to the merchant account.

Cash Payments In Stores

• Use case: For customers who prefer to pay in cash at convenience stores in Mexico.

• Checkout: The system generates a barcode PDF with a payment reference. The customer prints or presents it and pays at a participating store such as OXXO.

• Reconciliation: Status updates in the merchant panel show pending until paid, then paid and later liquidated.

Bank Transfers Via SPEI

• Modality: Real-time interbank transfers in Mexico.

• Flow: Actnet’s API generates a unique CLABE reference tied to the transaction. The customer pays from online banking or at their bank of choice.

• Notifications: The customer receives an email with purchase details and the CLABE to complete the transfer.

Key Features And Tools

Merchant Dashboard

• Real-time transaction listing, status tracking from authorized to liquidated.

• Configurable alerts that notify the merchant when purchases exceed set thresholds.

• Export and visibility features to monitor operations and reconcile payments.

Banforce Antifraud

• A built-in antifraud layer that reviews every transaction.

• Evaluates transaction parameters against a security profile set per merchant.

• Can decline suspicious operations and escalate for manual follow-up by a specialist.

Bansafe Tokenization

• Tokenizes and stores card data in Actnet’s secure servers.

• Merchants control generated tokens and can enable one-click purchases using stored tokens.

• Tokenization is included for merchants processing with Actnet and accessible in the admin panel.

Integration Options

Plugins

• E-commerce plugin: A prebuilt connector suitable for merchants who prefer a plug-and-play approach without custom code.

Payment Links By Email

• No site required: From the merchant panel, merchants can send payment requests by email.

• Methods: The recipient can pay using cards, SPEI, or OXXO cash vouchers.

SDKs

• Languages: SDKs in popular programming languages to speed up development.

• Extensibility: Actnet invites merchants to request additional plugins if needed.

REST API

• Capabilities: Create one-time charges, subscriptions, and recurring charges.

• Use cases: Subscriptions, paywalls, invoicing, and bespoke purchasing flows.

Risk Management And Security

• Antifraud screening: Banforce analyzes transactions before routing to the acquiring bank and can reject or flag risky activity.

• High-value alerts: Merchants can configure threshold-based alerts in the dashboard to review large orders proactively.

• Tokenization: Bansafe tokenizes card details such as name, PAN, and CVV. Tokens are generated per merchant and per card to limit data exposure.

• Transport security: SSL is deployed across the site for encrypted transmission of sensitive data.

• Operational safeguards: Actnet describes measures like account holds, reserves, and restricted activities to protect the network and participants.

Settlement, Reserves, And Disputes

• Settlement: After a transaction is accepted and confirmed, Actnet shows the transaction in the panel and marks it as liquidated once funds have been disbursed, net of commission.

• Reserves and holds: Actnet may apply reserves or temporary holds based on risk factors. Where a hold is applied, funds may be shown as pending until release.

• Chargebacks and reversals: As with any card acceptance, chargebacks and reversals can occur. Actnet outlines procedures for investigations and responsibilities in these cases.

Because reserve terms and settlement timing can vary by merchant risk profile and contract, merchants should review the written agreement to understand payout cadence, rolling reserve percentages, and any conditions that extend holds.

Industries And Use Cases

• E-commerce in Mexico: Merchants selling to Mexican consumers can combine cards, SPEI, and OXXO cash to maximize checkout reach.

• Subscription services: The REST API supports recurrent billing, enabling SaaS, memberships, and digital content.

• Invoice-based payments: Payment links allow remote collection when a full online store is not in place.

• Higher-risk categories: Actnet lists restricted activities in its policies and may decline or limit service for certain business types. Merchants should review the restrictions and confirm eligibility during onboarding.

Best Fit

• Mexico-focused merchants who need to offer card, bank transfer, and cash voucher payments in a unified flow.

• Businesses that plan to run subscriptions in Mexico and want tokenization managed by the PSP.

• Teams that prefer direct support for onboarding and integration rather than self-serve only.