Spin Negocios

Spin Negocios Overview For Merchants

Spin Negocios is the business solutions arm of Spin, the digital division of FEMSA in Mexico. Spin helps companies accept and manage payments across channels, including card present, online checkout, payment links, recurring billing, and cash payments at OXXO stores. If you are evaluating a PSP for Mexico, Spin offers a unified way to take payments, connect a point of sale, and run loyalty with Spin Premia. This overview summarizes Spin’s products, who they fit, and what to expect during integration and operations.

What Is Spin Negocios

Spin is a FEMSA business unit focused on financial and digital solutions for consumers and businesses in Mexico. Spin Negocios concentrates on merchant solutions such as card acceptance, online payments, OXXO Pay cash acceptance, a point of sale system, and the Spin Premia loyalty program. The aim is to provide easy integrations, merchant support, and tools that adapt to your industry and size.

Payment Acceptance Options

Card Present Terminals

Spin provides several in-store devices designed for different operating styles:

• Smart+. Android 10 terminal intended for flexible integrations and acceptance of common in-store payment methods. Suited to merchants that need an advanced, connected device with app support.

• Fort. An “intelligent” terminal designed to improve convenience and security in physical commerce. It targets merchants seeking a robust countertop experience.

• Go. A compact, mobile card reader to accept credit and debit card payments on the move. Useful for deliveries, pop-ups, trades, and service businesses.

Together, these options give brick-and-mortar merchants choice across fixed counters, mobile sales, and integrated setups.

Online Payments

Spin bundles multiple ways to collect online:

• Checkout. An embedded payment form so customers pay without leaving your website. The goal is a familiar, streamlined flow that can be customized to your brand and integrated with your cart or CMS.

• Link. Create secure, personalized payment links to sell remotely by chat, social media, or email. This is practical for invoice-like flows, telesales, one-off orders, or recovering abandoned intents to buy.

• Loop. Tools for recurring charges and subscription management. Designed to automate invoicing cycles, reduce manual collection effort, and give customers a predictable payment experience.

Cash Payments With OXXO Pay

For buyers who prefer cash or do not use bank cards, OXXO Pay lets customers pay at more than 24,000 OXXO stores in Mexico. Online shoppers generate a payment reference at checkout, then complete the transaction in cash at any OXXO. This expands reach to customers who cannot or will not pay by card and helps merchants reduce failed checkouts due to card friction.

Loyalty With Spin Premia

Spin Premia is Spin’s loyalty program that merchants can leverage to reward customers with points redeemable as a form of payment. A standard accrual example shown by Spin awards 1 point for every 5 pesos spent, encouraging repeat visits. For merchants, this helps acquisition and retention by giving customers a reason to come back and choose your store over alternatives.

Point Of Sale And Operations

Spin offers a Point of Sale (POS) system that connects with peripherals like barcode scanners, receipt printers, and cash drawers. Key operational features highlighted include:

• Product and catalog management, including bulk uploads

• Discount rules and configurable checkout workflows

• Multi-store and multi-register support for scaling locations

• Cash-drawer control and day-open/day-close processes

Spin also publishes POS pricing for software licenses, which can be purchased monthly or annually. The availability of transparent license pricing simplifies budgeting for retailers that want an end-to-end stack from a single provider.

For post-payment operations, Spin provides a management portal to reconcile transactions, review activity, and consolidate reporting. This is useful for finance teams that need daily settlement views, status checks, and exportable data.

Integration And Developer Experience

Spin’s documentation outlines multiple integration patterns across products:

• Ecommerce APIs. Endpoints for card payments, retrieving transaction details, and managing customers.

• Recurring Billing. Tokenization flows let you save a card securely for future charges, then create customer profiles for billing cycles. An installments field allows configuration of months-without-interest promotions when applicable to your offer.

• OXXO Pay APIs. REST endpoints to create OXXO Pay references and webhooks for asynchronous payment confirmations. This supports automated order status updates once a customer pays at the store.

• Payment Links. Flows to generate and check link statuses for remote collection, so customer service or sales teams can initiate payments outside the website.

For teams with existing systems, Spin states that its solutions are designed for easy integration with third-party POS or other tools. For businesses without a POS, Spin’s own POS is available to keep stack complexity low.

Channels, Use Cases, And Merchant Fit

Spin’s product coverage maps to common merchant needs in Mexico:

• Retailers and restaurants with steady counter traffic can adopt countertop or smart terminals, connect POS, and run loyalty to stimulate repeats.

• Services and on-the-go sellers can rely on mobile readers to accept card payments wherever they operate, and send payment links for deposits or remote billing.

• Ecommerce and social sellers can embed Checkout, offer OXXO Pay for cash buyers, and use Link to close sales via DM, WhatsApp, or email.

• Subscription businesses can automate billing with Loop and card tokenization, reducing manual collection work and failed renewals.

Spin also highlights industry tailoring and a consultative approach, which may be relevant if you have specialized workflows or operate multiple outlets.

Coverage And Market Context

Spin is oriented to Mexico. The offering is designed for local consumer habits and the OXXO store footprint. The contact flow and forms reference Mexican states for coverage and sales engagement. For cross-border or multi-country acquiring, you would need to evaluate whether Spin fits your geographic roadmap or if a complementary PSP is required for other markets.

Pricing And Commercials

Spin publishes software license pricing for its POS. Device costs and payment processing fees are not broadly listed and typically require direct sales engagement. As with many PSPs, final commercials often vary by industry, volume, average ticket, and risk profile. If your model includes cash at OXXO, consider operational cost trade-offs versus card acceptance, along with the benefits of reaching cash-preferring customers.

Risk, Compliance, And Reliability Considerations

Spin’s docs describe tokenization for saving cards and webhooks for server-to-server confirmations, which are standard building blocks for secure and reliable ecommerce flows. For installment promotions, you can pass parameters that align with your offer. As with any PSP selection, your technical team should review webhook retry behavior, idempotency, error codes, and reconciliation exports to make sure they match your back-office processes.

Onboarding And Support

Spin invites merchants to share business details, industry, and average billing to receive a tailored solution recommendation. If you already use other terminals or a POS, Spin indicates flexibility to integrate their solutions with your environment. For help content, Spin provides a knowledge base with how-to articles on user management, OXXO Pay operations, and POS basics.

Pros And Cons For Merchants

Advantages

• Comprehensive Mexico-focused stack across in-store, online, remote, and cash at OXXO

• Loyalty via Spin Premia to drive return visits and enable points as tender

• Multiple device formats including Android smart terminals and a mobile reader

• Subscriptions and tokenization workflows for recurring revenue

• Clear POS license pricing to help estimate total cost of ownership

• Merchant portal for monitoring and reconciliation

Limitations To Consider

• Public pricing for acquiring and devices is limited, so budgeting requires a sales conversation

• Mexico-centric coverage. Merchants needing multi-country acquiring may need additional PSPs

• Cash at OXXO adds an extra step for the customer, so order windows and inventory holds should be planned around delayed confirmations