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Sacbe Payments

“Can a bi-national fintech platform give Hispanic immigrants in the US and their recipient families in Mexico a single, low-fee financial account spanning both sides of the remittance corridor?”

Founded2019
HQMiami, Florida, United States
IndustryFintech / Cross-border payments
The story

Founded in 2019 in Miami targeting the US-to-Mexico remittance corridor for Hispanic immigrants, Sacbe Payments built a bi-national financial platform allowing senders in the US and recipient families in Mexico to manage money via app and a branded CARNET® debit card. The company obtained an IFPE license in Mexico in 2022, giving it regulatory standing to operate as an electronic payment fund institution. The LinkedIn profile now references 'Sacbé Visa™', suggesting a card-product rebrand or upgrade from CARNET® to a Visa-branded card, though this has not been confirmed in press releases.

Last 12 months
—
Product timeline
2019
Sacbe Payments founded as a bi-national financial solution targeting Hispanic immigrants in the US with families in Mexico.· pivot
2022
Sacbé Payments de México, S.A.P.I. de C.V. registered as an Institución de Fondos de Pago Electrónico (IFPE) under CNBV supervision, beginning operations in August 2022.· banking
2022
Launched Sacbé CARNET® card product in Mexico, enabling purchases and ATM withdrawals for recipient families.· card
Regulated entities
1
regulatory licence held by Sacbe Payments
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Sacbe Payments’s embedded-finance stack
Banking / BaaS
Metropolitan Commercial Bank
Card issuing
in the full report
Sponsor bank
in the full report
Accounting gap: none
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.