Every way to pay. One checkout.
Cards, interest-free installments, cash at more than 20,000 stores, SPEI bank transfers and pay-later. If a bank declines a payment for a recoverable reason, Aura Pay tries again through another route.
From 3.9% per charge + VAT. No monthly fee.
Your customer pays their way. You receive it in one place.
A checkout with your logo and your color that shows each customer only the methods they can use.
Credit and debit cards
Visa, Mastercard and American Express, from Mexico and abroad.
Interest-free installments
3, 6, 9 and 12 months, only with cards that accept them.
Cash at OXXO and more than 20,000 stores
Your customer pays with a reference and the payment is recorded automatically.
SPEI bank transfer
A unique reference per charge, so every transfer identifies itself.
From their banking app
Your customer approves the payment in their mobile banking app, without typing a card.
Pay later
Your customer splits the purchase into payments with a lender, no credit card needed.
Apple Pay
Depends on your payment setupPay with Face ID or Touch ID on iPhone.
Google Pay
Depends on your payment setupPay with the cards saved on Android and Chrome.
Cash, SPEI, pay-later and interest-free installments are available for charges in Mexican pesos.
More approved payments, without your customer noticing.
Aura Pay works with several processing routes. When a bank declines a card for a recoverable reason, the payment is attempted again through another route, in the same checkout.
It only retries what makes sense
A decline for insufficient funds, a stolen card or suspected fraud is never retried. No double charges, no extra risk.
Your customer doesn't start over
If the card doesn't go through, they see other ways to pay on the same page: another card, cash or SPEI.
Your integration stays the same
The same API and the same notifications, whichever route processed the payment.
Sales that were slipping away, back.
A collections agent writes on WhatsApp and email to anyone who didn't finish paying, with the link ready. As soon as they pay, it stops.
- Reminders at your pace
- You choose how often and how many times.
- A second chance for declined payments
- If the bank declines the card, your customer gets a link to try again.
- Orders and carts that come back
- Orders left unpaid come back with a link to finish the purchase.
- See where each customer stopped
- Who opened your payment page, how far they got and why their card was declined.
Hi Ana, your photo session is still on hold. You can pay for it here whenever you like:Pay MX$1,850.00
Thanks, I just paid at OXXO.
Payment receivedMX$1,850.00 in cash. Reminders have stopped.
Recover what you're owed without paying a collection agency.
Aura Pay reminds each customer what they owe, with your business name and your rules, and the same message includes a link to pay by card, OXXO, SPEI or direct debit. Every payment lands in your account and reconciles itself.
Upload your receivables
Excel or CSV, or straight from your system via API. Loans, rents, tuition, monthly fees or invoices.
Aura Pay reminds and collects
Campaigns by stage: a heads-up before the due date, reminders with a payment link, payment promises and a payment-plan offer within the limits you set.
You watch the money come in
Each payment marks its debt as paid, notifies your system and shows up in your summary: how much you recover, who promised to pay and who needs your team.
Aura Pay versus a collection agency
- What it costs you20 to 35% of what is recoveredMXN 1,999 a month plus usage
- How your customer paysA deposit or transfer you then have to matchA payment link in every message: card, OXXO, SPEI or direct debit
- Who talks to your customerA third party, in its own toneYour business, with your name and your rules
MXN 1,999per month
Plus usage: official WhatsApp messages and, once you turn them on, AI calls. You can see what you have spent so far under “Plan and fees”.
Available for businesses in Mexico. The price is charged in Mexican pesos (MXN).
Installment credit
Sell on credit with your own money. Your customer reviews the plan, verifies their identity and signs from their phone, and Aura Pay collects every payment on its date.
- Your plansBiweekly or monthly, down payment, with or without interest and your approval limits.
- Your customer signs onlineThey see their payment schedule and total cost, upload their ID and sign the agreement from their phone.
- Automatic collectionEach payment is charged to their card; if it is late, it goes to your Collections.
You grant the credit, decide who gets it and bear the risk. Aura Pay only gives you the tool: it does not lend and is not a lender.
Open Installment creditProtection that fits your business.
Every charge arrives with a risk signal and you set the rules. The bank asks for verification only when it's needed.
- Risk signal per customer
- Green, yellow or red based on each customer's cards, declines and recent payments. On red, you can hold the shipment.
- Smart 3D Secure
- Bank verification shows up on high amounts or risky cards, not on every purchase.
- Rules for your business
- Maximum amount per charge, verification from the amount you choose and blocking cards by country.
- Trusted customers
- A list of your regular customers, by email or by card.
Get paid online, in person and every month.
The tools to charge for what you sell, the way you sell it.
Payment links
On WhatsApp, email or social media, with your brand.
Counter QR code
A QR code at your register: your customer scans it and pays from their phone.
Subscriptions
Weekly, monthly or yearly charges that go out on their own, with a heads-up the day before.
Direct debit
Recurring charges to your customer's bank account, with their authorization.
Split bills and group collections
Split a charge between several people or raise money toward a goal.
Payable invoices and CFDI
An invoice with a pay button, and the CFDI for every charge.
One-click payments
Your customer saves their card and pays with one click next time.
Tap to PayComing soon
Your phone as a terminal: your customer taps their card.
TerminalsComing soon
A physical terminal for your counter.
Sell beyond Mexico and charge in your customer's currency.
Accept cards in more than 30 currencies. Your customer sees the price in theirs and you receive it in your account.
- MXN
- USD
- CAD
- EUR
- GBP
- CHF
- SEK
- NOK
- DKK
- PLN
- CZK
- RON
- BRL
- COP
- PEN
- UYU
- DOP
- GTQ
- CRC
- HNL
- BOB
- ARS
- AUD
- NZD
- CNY
- HKD
- SGD
- INR
- PHP
- THB
- MYR
- AED
- SAR
- ILS
- ZAR
- TRY
International charges are turned on from your account.
AI agents that work your payments.
The repetitive side of getting paid, handled by agents that follow your rules.
Automatic collections
Follows up on every pending payment over WhatsApp and email, and stops when they pay.
WhatsApp notifications
Connect your WhatsApp with a QR code and Aura Pay sends payment notices and reminders from your number.
Aura Pay assistantComing soon
Ask about your charges, your payouts or how to turn something on, from the app or the dashboard.
Your own agent
Claude, ChatGPT or your own agent can look up your charges and create payment links with your permission.
Built for the way your industry gets paid.
Guides with the real charges of each business: deposits, monthly fees, appointments and orders.
Beauty and wellness
Food and events
Professional services
Integrate Aura Pay into your store or your system.
Create charges through the API, embed the checkout in your page with elements.js and get a signed notification for every payment.
- API with scoped keys
- Each key does only what you allow.
- elements.js
- The checkout inside your page, with your typeface and your color.
- Signed webhooks
- Payments, failures, refunds and chargebacks, with automatic retries.
<div id="pago"></div>
<script src="https://aura.cownnection.com/api/v1/aura-payments/public/elements.js"></script>
<script>
AuraPay.montar("#pago", {
link: "LINK_ID",
idioma: "en",
colorDeMarca: "#2563EB",
alPagar: (d) => location.assign("/gracias"),
alPendiente: (d) => mostrarFicha(d.referencia),
});
</script>A clear price per charge.
From
3.9%
per charge + VAT
Standard price: 4.9% + $4 MXN + VAT per charge.
- Payment processing is already included.
- No monthly fee: you pay only per processed charge.
- Daily payouts to your account, with the detail of every fee.
Standard price by method, plus VAT
They cost exactly what the bank charges for the term, with no Aura Pay margin, plus VAT.
With backup on, if a processor declines the payment or doesn't respond, the charge goes through another one in the same checkout, at the same price.
Your money and your customers' data, protected.
Encryption on every payment
Card details travel encrypted straight to a PCI DSS Level 1 certified processor.
Your business never sees the card
Neither you nor your team see the full number: only the last digits.
Payouts to your account
Your money reaches your bank account with the detail of every charge.
A team behind it
Chargebacks answered with evidence from your dashboard, and a team that reviews your case with you.
Your business in your pocket.
See your charges as they happen, send links and get notified of every payment with the Aura Pay app.
Frequently asked questions
How much does Aura Pay cost?
From 3.9% per charge. The standard price is 4.9% + $4 MXN + VAT per charge for cards and other methods; 4.9% + $7 MXN + VAT for cash and 4.9% + $12.50 MXN + VAT for SPEI. Interest-free installments cost what the bank charges for the term, with no Aura Pay margin. No monthly fee.
What do I need to get started?
Your email to create the account and, to receive payouts, your business details, an official ID and your bank account. You verify them only once.
When do I get my money?
Payouts go to your bank account daily, once the charge settles. Your dashboard shows each payout with the detail of its charges.
Can I charge customers in other countries?
Yes, by card in more than 30 currencies. Cash, SPEI, pay-later and interest-free installments are only for charges in Mexican pesos.
Do I need to know how to code?
No. With payment links and the QR code you get paid from day one. The API and elements.js are for when you want to integrate it into your store or system.
Start getting paid today.
Create your account in a minute and send your first payment link.