BANXICO seeks input on card payment message exchange standards
Banco de México has launched a public consultation to gather input on new rules for the exchange of financial transaction messages between card payment clearing houses. This initiative aims to inform the design of Annex 5, which will establish common information fields based on ISO 8583:2023 to foster interoperability and efficiency.
Standardizing inter-chamber communication
The consultation specifically addresses the exchange of financial transaction messages between card payment clearing houses, referred to as 'Cámaras'.
Banco de México intends to establish common information fields that these Cámaras must utilize for inter-system communication.
This standardization effort takes the international standard ISO 8583:2023, published by the International Organization for Standardization (ISO), as its primary reference.
The ultimate goal is to enhance interoperability, security, and efficiency in processing operations across different clearing houses, thereby streamlining the card payment ecosystem in Mexico.
This Annex 5 will be integrated into the broader 'Rules for the organization, functioning and operation of card payment clearing houses' project.
Fostering a robust payment system
This public consultation aligns with Banco de México's broader objectives to foster a sound financial system, ensure efficient payment operations, and safeguard public interests.
The input received will directly inform the design of Annex 5. This Annex is part of a larger regulatory project, 'Rules for the organization, functioning and operation of card payment clearing houses,' which itself underwent public consultation from December 30, 2025, to February 4, 2026. The current initiative focuses on the critical technical details of message exchange, complementing the foundational rules.
Crucial step for digital payments
This technical consultation marks a crucial step in modernizing Mexico's digital payment infrastructure.
Standardizing message exchange fosters enhanced security, greater efficiency, and increased competition among payment service providers.
This initiative directly contributes to a more robust and consumer-friendly payment ecosystem, enabling future innovation and reducing operational risks.