Buen Fin: digital payments and SME liquidity

What happened?

Imagen Empresarial's written article of October 13 presents Rodrigo Pacheco's interview with Montserrat Acebo about digital payments for SMEs. To clarify the context, AMVO reports MXN45.9 billion in online sales during Buen Fin 2025, up 31% from 2024. That figure measures sales value for a completed event; it is not a forecast for 2026.

Why does it matter?

Aggregate growth helps establish the size of the channel, but it does not describe what will happen at an individual business. A sales campaign can generate more orders while also requiring discounts, deliveries and additional customer support. The business implications therefore depend on three separate questions: how much is sold, how much remains after costs and when the money becomes available.

Business implications

PayPal's documentation states that merchants using its installment arrangements receive payment upfront, less applicable fees. This is a feature of the arrangement described by that provider, subject to its conditions. It does not establish that every payment method works the same way or produces the same economic outcome for every merchant.

As an analytical approach, the useful comparison is the complete order. The amount charged needs to be considered alongside the product cost, discount, delivery expense and payment charges. Timing matters as well: a profitable sale may still require cash before its proceeds become available. Conversely, earlier payment does not make a transaction profitable when its underlying margin is insufficient.

Risks and data to watch

Preparing for the event therefore means connecting the purchasing experience with the ability to deliver what was promised. A simple payment experience provides little value if inventory or fulfillment fails. Historical sales figures and payment conditions help frame these questions; they do not guarantee growth, profitability or universal product availability. This analysis is not a recommendation to sign up for a particular payment service.

Source: Imagen Empresarial · Rodrigo Pacheco, 2026-10-13. Analysis: October 14, 2026. Implications are independent interpretation. General information only; this is not individualized financial advice.