Banco Azteca

Banco Azteca for Merchants: What You Can Do, How It Works, and Who It’s For

Quick take

Banco Azteca offers an accessible, full-stack set of business banking and payment tools built for everyday merchants. You can accept card payments in store, take QR payments with CoDi, pay suppliers and salaries, control team spending with a corporate debit card, and manage everything online with multi-user corporate banking. It’s all backed by a nationwide branch footprint and a focus on financial inclusion that serves micro, small, and mid-sized businesses.

Who is Banco Azteca

Banco Azteca is part of Grupo Salinas and operates across Mexico, with additional presence in Guatemala and Honduras. It is one of the country’s largest banks by physical reach, with roughly 4,000 points of contact, and a mission centered on financial inclusion. For merchants, that translates into products that are straightforward to start with and usable day to day, even if you are just formalizing your business operations.

Accept in-store card payments with POS

POS options for businesses. Banco Azteca provides a Terminal Punto de Venta so you can accept debit and credit cards at the counter. The bank highlights practical merchant benefits such as next-day deposits, available all year, and the ability to increase sales by taking card payments.

What this means for you. If you sell in a storefront, restaurant, pharmacy, service counter, or pop-up, the POS offering is designed to help convert more transactions and speed up settlement to your Banco Azteca account on the next day.

Take digital payments with CoDi

QR and account-to-account payments. Banco Azteca supports CoDi so you can generate a QR and receive instant transfers from customers’ bank accounts, including those at other banks. CoDi is a platform developed by Banco de México that enables immediate, secure payments without commissions to use the platform. That makes it attractive for micro and small merchants that want a simple, low-friction way to get paid.

Using the app to charge. Within Banco Azteca’s flows, you can select CoDi to make a charge, enter the amount, and generate the QR so your customer pays from their bank app. It’s a quick way to add a digital payment option alongside cards, particularly useful for delivery, services, and on-site jobs.

Manage your money with Banca Empresarial Azteca

Always-on business banking. Banca Empresarial Azteca lets you operate every day of the year and centralize cash management, payments, and reporting online. Merchants can download account statements in XML, TXT, and PDF, with up to five years of history, which helps with accounting and audits.

Multi-user access and security. Corporate online banking uses administrator and operator roles so you can delegate day-to-day tasks while controlling permissions. Authentication methods include password, token or digital token, and biometric fingerprint options, aligned with the bank’s corporate security framework.

Core business accounts and cards

Cuenta Empresarial Azteca. This is the core checking hub for companies and public entities to manage incoming and outgoing funds. Contract materials specify peso and dollar variants with interest, and the online channel as the operational backbone for transactions.

Tarjeta de Débito Corporativa. For travel, representation, and petty cash, merchants can issue a corporate debit card that is accepted worldwide, improving control over expenses and reconciliation.

Paying suppliers, staff, and third parties

Interbank transfers 24/7. Through Banca Empresarial Azteca you can send transfers to other banks using SPEI, SPID, or TEF, with 24/7 availability. This covers urgent supplier payments, refunds, and high-value business-to-business transfers.

Payroll dispersion. Nómina Empresarial Azteca supports opening and managing employees’ payroll accounts through the corporate channel, simplifying salary runs and improving employee experience. Educational content and product pages emphasize the bank’s payroll workflows for business.

Cash to people without a bank account. With Órdenes de Pago Empresariales, you can send funds to individuals who do not have a bank account; they can pick up at a Banco Azteca branch. This is helpful for one-time payouts such as gig work, incentives, or reimbursements to non-employees.

Pay government and services. Banco Azteca also enables payment of company services online, including IMSS and other government obligations, so you can consolidate more of your payables in one place.

Invoicing and documentation

For merchants that require official receipts, Banco Azteca offers electronic invoicing. You can request your invoice within a defined window after a transaction, which helps keep accounting in order and reduces paperwork.

Why merchants choose Banco Azteca

Reach and support. The bank’s extensive physical presence and inclusion-focused approach mean merchants can access services in more places, with branch assistance available when you need it.

Speed to value. Card acceptance with next-day deposits and CoDi acceptance give you fast settlement and flexible ways to get paid. For many SMEs, those two capabilities cover the majority of face-to-face and remote payment scenarios.

Controls that scale. Corporate online banking, role-based access, downloadable statements for up to five years, and a corporate debit card help you standardize approvals and record-keeping as your team grows.

Fit for micro and small businesses. CoDi in particular benefits smaller merchants that want immediate, secure collections without adding platform commissions, while the POS offering covers card-based consumer preferences.

Typical use cases

• Retail counter sales: accept cards at checkout and settle next day; add CoDi for tap-to-QR payments.

• Services and deliveries: generate a CoDi QR in the app so customers can pay on site from their bank app.

• Payroll-heavy operations: run salaries with Nómina Empresarial Azteca and issue corporate debit cards for team expenses.

• Supplier payments and refunds: use SPEI, SPID, and TEF for interbank transfers from the corporate portal.

• One-time payouts to non-employees: send cash through Órdenes de Pago Empresariales for pickup at branches.

Conclusion

If your priority is to accept more payments today and keep cash moving without adding complexity, Banco Azteca brings together the practical pieces most small and mid-size businesses need: POS with next-day deposits, QR-based CoDi payments, 24/7 interbank transfers, payroll dispersion, a corporate debit card, and a straightforward corporate banking portal with role-based access and long-term statement history. Combine those with the bank’s reach and inclusion focus, and Banco Azteca is a strong fit for merchants that want simple tools that work reliably in everyday commerce.