Mexico's cash-collection channels span a wide spectrum, from convenience stores and pharmacies to membership warehouse clubs, and the income level and purchasing patterns of visitors differ by channel. Sam's Club, part of Walmex, is a membership warehouse chain whose main customers are dues-paying middle-class households and small-business owners in resale or food service, and it's a space where planned purchases with a large spend per visit take place.

Merchants selling high-ticket items such as appliances, furniture, or B2B-style consumables, or those with a meaningful share of business customers, align well with the Sam's Club visitor base, which is accustomed to paying large amounts in cash. Unlike convenience-store channels that skew toward small amounts, this channel's distinguishing feature is that it can be positioned as a cash-collection point for high-value orders.

When a customer selects Sam's Club payment on an online order, a reference code is issued, and the customer presents it at the store register to pay in cash during a bulk shopping visit. Once the payment information is relayed to and confirmed by Hecto Financial (typically same day to 1 business day), the order is confirmed. For high-value orders, it's a good idea to set a generous code validity period to account for the time customers need to prepare cash.

Through Hecto Financial, a business in Korea can explore a channel mix that includes Sam's Club cash collection without a local contract in Mexico. Because the collection service at Walmex-affiliated stores is scoped according to the local collection-agent partnership structure, it needs to be confirmed before contracting — including how store membership eligibility relates to collection conditions.

• Country of business registration

  Confirm whether contracting is possible for businesses registered in Korea

• Sales channels

  The integration method and priority differ depending on your mix of online sales channels — direct-to-consumer site, open marketplace, mobile app, and so on

• Product categories

  Check in advance whether your products fall under restricted categories per Sam's Club's merchant policy

• Local regulatory compliance

  Confirm compliance with Mexico's payment and foreign exchange regulations (see official sources below)

Cash collected at Sam's Club is received in MXN, then converted and settled in whichever of USD, KRW, or JPY was selected under the contract. The settlement structure is the same regardless of transaction size, and the cycle follows the contract terms. Refunds are handled through a separate process rather than a cash return at the store, so the refund turnaround for high-value items should be clearly explained to customers.

• Bank of Mexico (Banco de México)Official information on Mexico's payment system and related regulations. If this page's content differs from the actual regulations, the official source takes precedence.
• Mexican National Commission for the Protection and Defense of Financial Services Users (CONDUSEF)Official information on financial consumer protection and dispute handling.