Cord Payments

From agreement to money, without switching systems

Cord Payments connects the moment a sale is approved with the moment funds reach your account. The client pays from the quote or invoice link; Cord keeps the payment state next to the document that created it.

This is not a wallet where Cord holds your funds. The payment account belongs to your business and charges are processed on that connected account. Before enabling it, Cord collects the information and documents the provider requires to verify the company, its representatives, and its beneficial owners.

Available capabilities:

• Card payments from the public link: the buyer pays the outstanding amount without requesting another link or entering a separate portal.
• SPEI for Mexico: when the transaction is denominated in MXN, Cord shows a CLABE tied to the quote's charge or to the invoice and reconciles the transfer when it arrives. On invoices it is in beta: see SPEI with CLABE on invoices.
• Deposit, balance, and installments: every part keeps its amount, status, and reference, and the quote becomes paid only when no balance remains.
• Payable invoices: Cord Invoicing documents also have a public link with the current balance and the method available to that account.
• Customer portal: one link per customer with all their invoices and payment of several in a single charge.
• Payouts and reconciliation: the business can review payouts sent to its bank account, their status, and the configured schedule.
• After-payment operations: refunds, disputes, and evidence remain tied to the organization and the movement that created them.
• Refunds from the invoice: an invoice's online payment —from its link, the portal or automatic payments, by card, bank debit (SEPA, ACH, Bacs or Canadian pre-authorized debit), SPEI transfer or bank transfer with a reference, or Mercado Pago— is refunded from its detail page, fully or partially, with the Refunds permission and identity confirmation. The method's limits (ACH only in full; 180 days on debits and transfers; a transfer waits for the client to provide their account by email) are stated before you confirm, the invoice reopens its balance and, in Mexico, Cord reminds you to document the return with a credit note.
• Mercado Pago as a second rail: the client pays the quote or the invoice from the same link with the Mercado Pago button, and the money lands in the business's Mercado Pago account. It supports partial payment of an invoice, Cord confirms the payment by reading it in Mercado Pago — not by trusting the notice — and reads refunds issued there to reopen the balance. In Mexico it is the alternative and Cord Payments remains the main rail.

Actual availability

Online payment onboarding depends on the organization's country and on the requirements returned by the provider. Mexico, the United States, Canada, Spain, the United Kingdom, Germany, and France have a connected-account rail. In Brazil, Colombia, Argentina, Chile, and Peru, Cord Payments is not available and online collection runs on Mercado Pago. Mercado Pago works in Mexico, Brazil, Colombia, Argentina, Chile, and Peru: the connection was confirmed on September 21, 2026 with Mexican and Colombian accounts.

What's next:

Automatic invoice collection with retries, bank direct debit (SEPA, ACH, Bacs and Canadian pre-authorized debit), SPEI with CLABE on invoices, bank transfer with a reference in EUR, GBP and USD, and Apple Pay and Google Pay are built and in beta until their activation is complete.

Recurring retainers with Mercado Pago: today a retainer needs the Cord Payments subscription, because Mercado Pago charges when the client opens the link and does not store their card for later.

SPEI is a Mexican rail and settles only MXN. Outside Mexico, the transfer that reconciles itself is the bank transfer with a reference in EUR, GBP and USD, in beta; Cord does not apply a Mexican fee to another currency and, outside MXN, charges no platform fee.