Corp package 72 final: the kit a Mexican corporate hands out so the salary stretches and the employee does not end up at the Bureau of Financial Institutions
The Mexican corporate that takes financial wellness seriously knows that the employee who receives the salary, pays the credit, pays the rent, pays the daycare, pays the school and ends with MXN 800 for 15 days ends up stressed, distracted and prone to resigning when offered MXN 1,500 more elsewhere. CONDUSEF reported that 4 out of 10 Mexican employees are over-indebted and that the Bureau of Financial Institutions has more than 7 million records. The Corp package 72 final ships a financial calculator with budget and debt functions, a printed Afore and retirement savings guide, a 12-month financial goals notebook, an NFC payments device with budget app, a virtual financial education workshop with certified instructor, and a financial fraud protection guide. CFDI 4.0 is issued under key G03 on the financial wellness line, fully deductible under article 27 of the LISR.
Why financial wellness fails when it arrives only as the Afore talk
The Law for Transparency and Ordering of Financial Services requires financial entities to deliver clear information about products. CONDUSEF (Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros) receives more than 2 million complaints annually. NOM-035 requires evaluating psychosocial risk factors, including financial burden and economic stability. The Mexican corporate operating with wellness programmes knows that the employee without financial education is more prone to absenteeism and presenteeism.
The Mexican corporate spends on average between USD 35 and 100 per employee per year on Afore talks and savings boxes that are forgotten by the second day. The Corp package 72 final rationalises that spend and ships a standardised kit that backs the daily work of the employee: the financial calculator applies the 50-30-20 budget at any moment, the Afore guide explains how to change administrator, the goals notebook records progress, the NFC device separates business from personal spending, the virtual workshop resolves specific doubts, the fraud guide protects against bank vishing. The invoice is segregated from general expenses and reported as financial wellness investment.
For corporates with active financial wellness programmes (Afore talks, savings box alliances, CONDUSEF workshops, Retirement Programme, alliances with fintech such as Mercado Pago, BBVA, Banorte, Hey Banco, Nu Mexico, Stori, Albo), the kit is delivered with the programme calendar and QR code for registration on the internal tracking platform. The financial wellness area receives a dashboard with compliance by cohort, percentage of employees with assigned kit, and debts reported to CONDUSEF rate. The invoice is segregated from HR spend and reported as human capital investment.
For corporates with multiple legal entities and nationwide operations, the kit is delivered in a single order with lots segregated by RFC and independent invoicing per entity. Premium logistics with DHL or Estafeta deliver in 3 to 5 business days to any state in the country, with tracking and delivery confirmation. For free zone deliveries (typical of IMMEX with employees in Baja California or Sonora), VAT is calculated at 0% rate and the Free Zone complement is attached with the SAT authorisation number.
Components of the Corp package 72 final
The full kit weighs 480 grams and is delivered in a rigid graphite colour box with corporate seal and QR code for registration on the financial wellness platform. Each element carries an internal serial number and manufacturer lot for traceability.
Financial calculator with 50-30-20 budget
Financial calculator with 12-digit LCD screen, 50-30-20 budget functions (needs, wants, savings), automatic total debt calculation with annual interest rate, currency conversion (MXN, USD, EUR), mortgage function with French and German amortisation, savings function for goals with compound interest, 10-value memory and automatic shutdown. The calculator is delivered in rigid EVA case with mesh bag. Graphite colour with tampography logo. NOM-003 compliant for electrical safety. 2-year warranty.
Printed Afore and retirement savings guide
Printed guide on FSC certified paper with 64 colour pages, 14×21 cm format, sewn binding, covering choice of Afore (Afore XXI Banorte, SURA, Citibanamex, PensionISSSTE, Profuturo, Azteca, Inbursa, Coppel), Afore change step by step, voluntary contributions, tax deductions, weeks contributed, Modality 40, Partial Withdrawals, Infonavit and Fovissste credit, performance and fees comparison, pension simulator and practical cases. The guide is delivered with recycled card stock bookmark and QR code to the CONDUSEF online calculator.
12-month financial goals notebook
Half-letter-size notebook with 80 sheets of FSC-certified 90 g m² paper, hardcover with textile finish, reinforced metal spiral, monthly separators with pre-printed budget (income, fixed expenses, variable expenses, savings), SMART goals sheets per month, monthly balance, annual balance and commitment signature. The cover carries hot stamping of the corporate logo and employee name in low relief. Graphite, navy or olive green colour. Manufactured in ISO 9001 certified workshop in Jalisco. Weight 280 g.
NFC payments device with budget app
Wearable NFC device in wristband or card form, pre-assigned corporate payment token (optional, without bank account), companion app with expense dashboard by category, exceeded budget alerts, integration with Mexican banks via API, business and personal spending separation mode, export to Excel for annual return and QR code to usage manual. The wristband is hypoallergenic silicone with steel buckle. The card is rigid PVC with NFC and contactless chip. PCI DSS and Banxico payment regulation compliant.
How the financial wellness kit is invoiced under CONDUSEF and LISR
The Corp package 72 final operates in two invoicing modes. The first is closed monthly order with CFDI 4.0 issued at month-end with line-by-line description for deduction as wellness spend. The second is annual contract with fixed unit price and invoice against actual delivery each quarter, with payment complement at 30 days when the corporate operates on credit lines.
CFDI Use depends on the client tax regime and the receiving area. For the General Regime with wellness or human resources area, the invoice is issued under G03 (general expenses) on the financial wellness investment line. For RESICO, the same key is used because the kit counts as human capital investment. Validation with the accounting area happens before the first batch to confirm the specific expense account and the correct key.
VAT 16% is broken down line by line on CFDI 4.0. For free zone deliveries (typical of IMMEX with employees in Baja California, Sonora or Tamaulipas), VAT is calculated at 0% rate and the Free Zone complement is attached with the SAT authorisation number. For interstate deliveries with Carta Porte, the Carta Porte 3.0 complement is attached with carrier data and documented origin-destination.
CFDI cancellation or correction is processed within 24 hours of the request. For model or specification changes after the kit has been delivered, we handle replacement with additional charge and new CFDI for the additional piece. A kit not delivered because the employee left before day one is invoiced only if the order confirmation was signed by the wellness area at least 5 business days in advance.
Sizes, colours and stock curve
The calculator is universal. The guide is universal in 14×21 cm format. The notebook is universal in half-letter size. The NFC wristband is universal with adjustable size for 14 to 22 cm wrist. For employees with large wrist, we offer an extended version with surcharge. The NFC card is universal with standard credit card size.
Calculator and notebook colours are selected on the first order and kept stable to build brand identity. Common combinations in Mexican corporates: graphite calculator + graphite notebook + black wristband + colour guide for administrative and financial profiles; graphite calculator + navy notebook + blue wristband + colour guide for technical and operational profiles; graphite calculator + olive green notebook + green wristband + colour guide for commercial and customer service profiles.
For corporates with more than 100 employees in the financial wellness programme, we run a rotating warehouse stock with monthly replenishment. The corporate pays for the kit only when assignment to the employee is confirmed, with no minimum volume commitment. Premium logistics with DHL or Estafeta deliver in 3 to 5 business days to any state in the country. For corporates with multiple legal entities, lots are segregated by RFC with independent invoicing per entity.
Pricing, MOQ and lead times
Prices in MXN before VAT 16%. The Corp package 72 final starts at MXN 1,180 per unit from MOQ 30. In quarterly batches of 80 kits or more, the cost drops to MXN 990. In annual contracts of more than 1,200 kits with quarterly deliveries, the cost drops to MXN 840 with reserved safety stock in our CDMX and Guadalajara warehouses. CFDI 4.0 is issued at month-end with full deductibility under financial wellness investment spend.
Production lead times are 15 to 18 business days for kits with personalisation and individual engraving. Batches of more than 100 kits require 22 to 25 business days with scheduling 6 weeks before the first day of the quarter. Delivery is made to the corporate office with wellness area acknowledgement or directly to the employee's home with tracked shipping.
For corporates with IMMEX free zone operations, the kit is assembled in Tijuana or Monterrey with cross-border delivery in 24 to 48 hours and carta porte with 0% VAT. For corporates with multiple legal entities and centralised wellness committee, we run consolidated kit with breakdown per entity on a single invoice with RFC-separated lines.
FAQ — Corp package 72 final
Does the calculator have budget and debt functions?
Yes. The financial calculator has 12-digit LCD screen with 50-30-20 budget functions, automatic total debt calculation with annual interest rate, currency conversion (MXN, USD, EUR), mortgage function with French and German amortisation, savings function for goals with compound interest, 10-value memory and automatic shutdown. NOM-003 compliant for electrical safety and delivered with rigid EVA case. The warranty is 2 years against manufacturing defects.
Can the Afore guide be personalised with the corporate preferred administrator?
Yes. The guide includes comparison of the 10 administrators operating in Mexico (Afore XXI Banorte, SURA, Citibanamex, PensionISSSTE, Profuturo, Azteca, Inbursa, Coppel, Invercap, Principal) with performance, fees and service quality according to the latest CONSAR publication. For corporates with agreement with a specific administrator, we add a dedicated section with agreement benefits and QR code to the corporate portal for the change. It is invoiced separately with its own line on CFDI 4.0 under the pension education line.
Can the goals notebook be delivered with pre-printed template?
Yes. The notebook has monthly separators pre-printed with budget template (expected income, fixed expenses, variable expenses, desired savings, debt to pay) and SMART goals sheets per month (specific, measurable, achievable, relevant, with defined time). The monthly and annual balance closes with pre-printed pie chart. For corporates with internal savings programme, we add a tracking sheet of voluntary contributions to Afore. It is invoiced separately with its own line on CFDI 4.0 under the financial stationery line.
Does the NFC wristband require a bank account?
No. The NFC wristband works as a wearable device with optional payment token. The corporate can opt for three modes: pre-assigned corporate token (without bank account, controlled spending limit), integration with the employee's payroll account (connected via API to the bank), or wristband without payment function only as personal identifier. The companion app works in all three modes and allows the employee to carry a personal expense dashboard. The wristband is PCI DSS and Banxico regulation compliant.
Can you include a virtual financial education workshop?
Yes. For active financial wellness programmes, we add a virtual workshop of 4 sessions of 90 minutes each, taught by CONDUSEF certified instructor, covering personal budget, debt management, savings and investment, retirement planning and fraud protection. Sessions are recorded and remain available on the corporate internal platform with attendance code. The workshop is invoiced separately with its own line on CFDI 4.0 under the financial training line.
Does the fraud protection guide cover bank vishing?
Yes. For active protection programmes, we include a 32-page printed guide with stapled binding covering bank vishing (fake calls from bank requesting data), SMS phishing (fake messages from BBVA, Banorte, Santander, HSBC, Scotiabank), email phishing (fake emails from the bank), skimming (card cloning at ATMs), QR fraud (malicious codes) and response protocol with CONDUSEF and Cyber Police numbers. The guide is delivered with recycled card stock bookmark and QR code to the CONDUSEF verification portal.