CoDi
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CoDi
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CoDi (short for "Cobro Digital") is a digital payment method introduced by the Bank of Mexico (Banco de México). It aims to simplify and promote the use of electronic payments, especially for retail and online transactions.
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Key Features:
- Seamless Integration: CoDi allows users to make payments via smartphone apps by scanning QR codes or entering payment links. This greatly simplifies the payment process, reducing the reliance on cash transactions and traditional credit card payments.
- Instant Payments: Transactions are typically completed within seconds, ensuring that funds are quickly available. For merchants, this means faster receipt of payments, improving cash flow efficiency.
- Low Cost: CoDi incurs lower transaction fees compared to traditional credit and debit card payments. This reduction in processing fees helps merchants lower their operating costs.
- High Security: All transactions are processed with encryption technology, minimizing the risk of payment fraud. The system also provides transaction records, making it easier for merchants to reconcile and track payments.
- Widespread Adoption: The Mexican government is actively promoting the use of CoDi, especially among small and micro-businesses. With the increasing prevalence of smartphones, more consumers and merchants are beginning to embrace this payment method.
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