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SpainCollect and pay in Mexican pesos (MXN), through the local payment method.
Your customer pays in Mexican pesos (MXN) over SPEI, the payment method they already use every day, and the amount settles at home in minutes. The reverse path pays Mexican suppliers from home. The Mexican peso account is in your company's name, and money moves both ways with nothing to open in Mexico.
Mexico
Brazil Brazil MexicoSee the real exchange rate before you open an account.
The rate below is the commercial one, the same you can check on any market screen. A 1.5% processing fee applies to the amount that goes in (negotiable by volume), and that is all. There is no hidden spread baked into the rate, which is exactly where banks charge what never shows up on the invoice.
MXN- Commercial rate
- —
- Lexxen processing fee (1.5%, negotiable by volume)
- − 150.00 BRL
- Final amount
- —
Market rate, refreshed every 30 seconds. In a real operation the rate is locked on screen and only then you confirm: what you see is what gets executed. The 1.5% is the list fee: high volume has its own terms, agreed in contract.
Collecting from Mexico usually stalls at the account: your customer there only pays locally.
A Mexican company pays over SPEI, which is instant and cheap inside Mexico, but does not reach a Brazilian account. The traditional path forces your customer into an international transfer they rarely make, with instructions in another language, intermediary bank fees and timing nobody guarantees. In practice, you become your own customer’s finance support desk.
Pesos come in over SPEI. Reais go out over PIX.
The Mexican customer pays over SPEI, the payment method they already use every day, with no international instructions and no intermediary bank. The amount converts at the rate you locked on screen and lands in your account at home. The same corridor runs in reverse to pay suppliers in Mexico. Your customer pays into a Mexican account in your company's name, and money moves both ways, in minutes.
The operation, step by step.
- 01
Nothing to open in Mexico
No incorporation, no local partner, no address in the country. Even so, the Mexican peso (MXN) account is in your company's name.
- 02
Your customer pays over SPEI
They get the details of a Mexican account in your company's name and pay as they pay any local supplier, with no international instructions and no intermediary bank.
- 03
Rate locked on screen
You see the commercial rate and the fee before confirming. What you see is what gets executed.
- 04
PIX into your account
Reais land in your company account in Brazil through the local payment method, 24 hours a day, weekends included.
It all runs on its own.
No ticket to open, no email to the desk, nobody processing anything on the other side. The money arrives through the local payment method, conversion runs automatically at the rate you locked on screen, and it leaves through the destination’s local payment method. The desk is there for high volume and for exceptions, not for the everyday.
Minutes, not business days.
This corridor uses the local payment method of each country: SPEI on one side, PIX on the other. Both settle in minutes and run 24 hours a day, weekends and either country’s holidays included. Nothing here waits for a banking window to open: the timing is set by the payment method, not by the bank’s opening hours.
An account abroad in your company’s name, without opening a company there.
The account is named: it carries your company’s name, or yours, and that is what money moves through. Whoever receives it sees your name on the statement, like any local transfer.
With your home-country document
Your company registration or your personal ID. No need to incorporate abroad, no local partner, no address in the country.
Named in both directions
The virtual account receives and sends in the holder’s name. Your supplier abroad is paid by you, not by an intermediary with a different name on the receipt.
Only if you need to be paid locally
A named account exists for those who need to receive as a local (a client who only pays by domestic transfer, for instance). To send only, you do not need one.
Individuals too
Someone living abroad without local documents yet can open a named account with their home document and get paid in their own name, skipping the paperwork of a foreign bank account.
Accounts are opened and held by partner institutions licensed by the regulators of each country. Lexxen is the technology layer that connects your operation to them.
What changes in your operation.
Your Mexican customer changes nothing
They keep paying over SPEI, the way everyone pays there. The friction leaves their side and does not come back to yours.
Commercial rate, fee apart
The rate is the market one and the processing fee shows up separately. No spread baked in that only surfaces at reconciliation.
Works both ways
The same corridor collects from your customer and pays your supplier. The direction changes; the payment method and the timing do not.
No banking window
SPEI and PIX run 24/7. The operation does not wait for business hours or for a holiday to end in either country.
The difference on every remittance.
| Traditional FX | With Lexxen | |
|---|---|---|
| How the customer pays | International transfer, with instructions they do not master | SPEI, the payment method they already use every day |
| Timing | 2 to 5 business days, no guarantee | Minutes, 24/7 |
| Rate | Spread baked in, known afterwards | Commercial on screen, locked before you confirm |
| Hidden cost | Intermediary bank fees along the way | Explicit 1.5% fee, negotiable by volume |
| Direction | Each direction is a different process at the bank | One corridor for collecting and for paying |
What that is worth by the end of the year.
Compare total cost, not the quoted rate alone. The difference shows up in the sum of spread, tax and fees.
| Traditional bank | With Lexxen | |
|---|---|---|
| Spread on the rate | 3% to 4%, baked into the quote | 0%: the rate is the commercial one |
| FX tax (IOF, Brazil) | 0.38% per transfer | Does not apply |
| Transfer and intermediary bank fees | R$100 to R$250 per operation, plus USD 15 to 40 along the way | None |
| Processing fee | Not applicable | 1.5%, negotiable by volume |
| Timing | 1 to 3 business days | Minutes, 24/7 |
With a 3.5% spread and 0.38% tax, the traditional path costs around R$38,800 a year before fixed fees. On the same volume, Lexxen’s 1.5% comes to R$15,000. That is roughly R$23,800 left in the company, and above R$30,000 once per-transfer and intermediary bank fees are counted.
Calculated on the assumptions above, for comparison. Your own number depends on the spread your bank charges today, your average ticket and how many transfers you make.
Built for those who move money across borders.
Companies with customers in Mexico
Companies invoicing in pesos that need revenue in reais with a documented rate on every transfer.
B2B service exporters
Service providers that want to remove friction for the Mexican payer by using their local payment method.
Recurring peso operations
Monthly operations that need to reconcile customer, contract and FX without a parallel spreadsheet.
Countries 1 country
Does your company need to collect from Mexico without depending on the customer’s bank?
Tell us the volume, the recurrence and who pays on the other side. The desk designs the MXN ↔ BRL corridor with the rate and the timing in writing.
Either way you fill in the same form: it is how the desk arrives already knowing your corridor, volume and timing.