Mexico’s digital tax infrastructure, nearshoring momentum and instant payment rails create new urgency for faster commercial credit
Kansas City, July 16, 2026 – TreviPay, the global B2B payments and infrastructure partner, hosted a panel on June 30th to discuss the B2B buyer experience and the payment expectations shaping business commerce in Mexico and across North America.
The discussion focused on a practical issue for companies selling into, sourcing from or operating in Mexico: payment delays are often tied to process friction, not only buyer creditworthiness. According to Atradius data cited by TreviPay, 41% of credit sales in Mexico are affected by overdue invoices, while 38% of those delays are linked to payment process inefficiencies and administrative disputes.
Why Mexico’s B2B payment environment matters to US companies
As more companies evaluate Mexico’s role in North American supply chains, B2B payment infrastructure has become a larger part of the growth conversation. Buyers want payment terms that support their business needs. Sellers want faster, more predictable payment. Finance teams need better control over credit risk, invoicing and collections.
For companies with cross-border supplier networks, the ability to extend commercial credit, automate compliance checks and reduce manual payment disputes can directly affect how quickly business gets done.
Martha Salinas, Chief Commercial Officer of TreviPay, said Mexico has several advantages already in place.
“Mexico has already consolidated three of the four key pieces for first-class economic development: instant payment rails, the manufacturing strength of nearshoring, and an advanced tax digitization landscape. What is missing is the fourth piece: instant, cross-border commercial credit with zero default risk for the seller.”
Process friction is slowing B2B payments
Traditional credit evaluation processes can take weeks to authorize a credit line. For sellers, that can slow order approval and create missed sales opportunities. For buyers, it can make purchasing more difficult at the exact moment they need speed and flexibility.
TreviPay’s panel explored how automation can help companies reduce manual work across onboarding, credit review, invoicing and payment workflows while still supporting compliance requirements.
“Today, technology allows us to meet KYC and anti-money laundering standards invisibly within the digital workflow, achieving speed and control simultaneously,” said Santiago De La Lama, Business Development Manager at TreviPay.
Connecting sales growth with financial control
In complex B2B sectors such as automotive, fleets and OEMs, sales and finance teams often feel pressure from different sides of the same transaction. Sales teams want to remove friction from the buying process. Finance teams need to protect working capital and manage risk.
A Pay by Invoice model can help address both needs by shifting commercial credit risk to a specialized third party and giving approved buyers access to payment terms. For suppliers, this can support faster, more predictable payment and reduce the burden placed on internal accounts receivable teams.
“When these programs are implemented, trust is built: the seller knows they will collect securely, quickly and on time, and the buyer gets the payment terms their business requires,” said Carlos Carrera, Regional Account Manager at TreviPay.
The takeaway for US businesses
For US companies doing business in Mexico, payment infrastructure is more than a back-office issue. It can affect buyer conversion, supplier relationships, cash flow and the ability to scale across borders.
Mexico already has strong foundations in digital tax documentation, manufacturing and payment innovation. The next opportunity is to make commercial credit and invoice-based payments work with the same speed and control that modern B2B commerce now requires.