Mexico's federal government sent the Ley de Economía Digital para Pagos Digitales y Electrónicos to the Chamber of Deputies. Under the initiative, Banco de México could regulate that point-of-sale terminals incorporate the technology needed to receive payments via QR codes. The Secretaría de Hacienda y Crédito Público would gain the power to determine strategic sectors and activities where digital payments are the only permitted method.
The bill was presented as part of the reforms accompanying Mexico's 2027 Economic Package. Federal, state and municipal governments would be required to enable digital payment options for their procedures and services. Institutions would have to maintain infrastructure to receive electronic payments through QR codes and NFC technology.
CoDi, the QR-code collection function that Banxico launched on SPEI in September 2019, recorded 4.4 million operations in 2025, according to El Economista. That compared with 4.2 million operations in 2024. DiMo, launched in 2023, had 16.4 million registered users at the end of 2025. DiMo processed 3.1 million operations in 2025. El Economista reported that 86 government entities had adopted CoDi to collect payments for their procedures and services.
El Imparcial reported that use of SPEI, CoDi and DiMo remains limited among Mexico's population. If enacted, a QR requirement at point-of-sale terminals would likely widen the merchant acceptance base available to CoDi, which already runs QR payments over SPEI. The bill must pass both the Chamber of Deputies and the Senate before it can take effect.
Update (2026-09-30): The bill's transitory articles set two consecutive windows of 15 business days. Under the third transitory article, the Secretaría de Hacienda y Crédito Público would have 15 business days after the decree enters into force to determine the strategic sectors and relevant activities in which digital and electronic payment could be the only accepted form of payment. It could later extend that determination. Under the fourth, the authorities responsible for each sector would have a further 15 business days, counted from publication of that determination, to issue the conditions, requirements and obligations for receiving such payments, together with mechanisms and specific deadlines for a gradual transition from cash.
The executive presented the initiative on 8 September 2026 and it has not been enacted. Carol Antonio Altamirano, who chairs the Chamber of Deputies' finance committee, said on 25 September that he would propose that the committee take up its report on the bill on 1 October, and that the chamber would have the reports on the revenue package by 14 October at the latest. He named fuel stations and toll booths as sectors that could come first and said the report would seek to preserve the use of cash.
Rafael Ávila of the Asociación de Sociedades Financieras voiced concern about the third and fourth transitory articles, warning that a restriction on cash could affect millions of people not served by traditional banks, Mobile Time reported on 23 September. A presidency statement of 24 September said the law would build on the existing SPEI and CoDi systems for immediate transfers.