Payment terms and methods for corporate orders

Payment works like a Mexican B2B transaction, in your preferred currency

Buying promotional product from a Mexican manufacturer is a B2B transaction. The fiscal framework is the same one your Mexican supplier or your own Mexican subsidiary follows every day: a deposit against the production order, a balance on delivery or net days after delivery, a CFDI 4.0 invoice for each payment, the right tax regime on each side. We work inside that framework. We also accept USD wires for clients who place orders from their US or Canadian headquarters, because forcing a US treasurer to open a peso account for a USD 4,000 order would be unreasonable.

The default flow for a new client is straightforward. Once the quote is signed and the production order issued, we send a proforma invoice with two lines: a deposit, usually between forty and sixty percent of the total, and a balance due before dispatch or against presentation of waybills. The deposit covers raw materials, the pre-production sample, plate setup, and the first weeks of labor. The balance covers finishing, packing, transport and our margin. For small orders under roughly MXN 50,000 we usually ask for one hundred percent in advance, because the working capital tied up is disproportionate to the order size.

For established clients with a payment history we extend net terms, typically net fifteen or net thirty days after delivery. Extending net sixty is possible after the third order, with a credit limit indexed to the rolling six-month volume. The credit limit is reviewed quarterly. We do not charge interest on the standard net terms; if a balance is overdue we apply the interest rate agreed in the framework agreement, which mirrors the TIIE rate plus a margin and never exceeds the rate allowed by Mexican commercial law.

For CFDI 4.0 invoicing, we issue a factura for each payment received. The first factura covers the deposit and is stamped the day the wire hits our account. The second covers the balance and is stamped when production is complete and the goods are ready for dispatch, or earlier if the client requests an amortization schedule. Each factura carries the client's tax ID, the fiscal regime, the CFDI use code, and the corresponding payment method and payment form codes per the SAT catalog. Carta Porte 3.0 is included automatically when the goods leave our plant under a real transport contract, because most of our clients need the complemento for their own deductibility.

For USD wires, we accept payments in US dollars to a US-dollar account at a Mexican bank, with the reference number embedded in the wire detail. The exchange rate we use for converting the USD amount into the MXN amount on the CFDI is the FIX rate published by Banxico on the date the payment is received, not the date the invoice was issued. We disclose that rate on the factura and in the payment receipt. For EUR wires we accept the same flow but require a SEPA correspondent or a SWIFT MT103 with full routing details. Crypto and USDT are not on the menu; we work with regulated rails.

For retainers and framework agreements, we accept a one-time retainer that is drawn down against future orders. The retainer earns no interest but simplifies the treasury workflow for clients who place four to six orders a year. Each draw-down is backed by a CFDI that references the original retainer contract, so the audit trail is clean. We close the retainer at the end of the framework period and refund the unused balance, or roll it into a new period if the framework is renewed.

For larger corporate clients we also offer a credit line opened through a partner Mexican bank. The line limit is set against the client's financial statements and order history, usually between MXN 500,000 and MXN 5,000,000. The line is drawn against orders placed in a single treasury cycle and is repaid as invoices clear. The limit is reviewed every six months and can be raised or lowered based on actual usage and payment discipline. This instrument is useful for clients who run monthly promotional programs and need fast turnover without waiting on a bank transfer.