Transfer

Transfer operates as the commercial brand of Operadora de Pagos Móviles de México S.A. de C.V. (OPM), a payments infrastructure company founded in April 2012 and headquartered in Miguel Hidalgo, Mexico City. The company was established with the objective of developing a mobile payments platform to promote financial inclusion among Mexico's unbanked population. Transfer serves as an authorized participant in Mexico's Sistema de Pagos Electrónicos Interbancarios (SPEI), the country's real-time interbank electronic payment system operated by Banco de México. The company provides payment processing and disbursement services primarily to businesses, government entities, and financial technology platforms. Its core offerings include SPEI transfer processing and storage, real-time transaction capabilities, and virtual CLABE account management for clients. Transfer enables businesses to send, receive, and disburse funds electronically through integration via API and web services. The platform connects individuals, banks, merchants, and government institutions to facilitate electronic transactions, allowing mobile devices to pay, send, and receive money. Transfer's infrastructure is utilized by various fintech platforms and businesses that require white-label payment processing capabilities, including remittance platforms such as Remesita that use OPM's banking provider services to offer CLABE accounts to their customers. The company markets its services as offering low commissions, real-time processing, and secure transaction handling. With over a decade of operational experience in Mexico's payments ecosystem, Transfer positions itself as a bridge between the digital and physical commerce worlds, providing the technological infrastructure necessary for electronic financial transactions in a market transitioning away from cash dependency.