In Mexico's hypermarket industry, Soriana is a homegrown group that stands shoulder to shoulder with foreign chains, having started in Monterrey and rounded out its nationwide coverage through its acquisition of Comercial Mexicana stores. Given how hypermarkets draw weekend grocery shoppers, paying for online orders alongside a shopping trip is a natural pattern, and formats ranging from hypermarkets to neighborhood stores give it even reach across cities of different sizes.

For merchants selling products that overlap with what hypermarket shoppers put in their carts — family consumer goods, mid-priced appliances, household items — the Soriana payment option works alongside the brand trust customers already have. It can be positioned as a middle-tier channel that captures higher-ticket cash orders than convenience-store channels do.

Designating Soriana as the payment method at online checkout issues a reference code. The customer has it scanned at the register of any Soriana store nationwide and pays the amount in cash, and the order is confirmed once Hecto Financial confirms the collection data (typically same day to 1 business day). If it remains unpaid past the validity period, the order is automatically canceled, and no chargeback arises given the cash nature of the payment.

Merchants in Korea can explore the Soriana collection channel through Hecto Financial's integration without a local contract in Mexico. Because hypermarket collection goes through the partnership structure of a local collection agent network, actual availability and the fee and settlement cycle are finalized through contract discussions based on the merchant's industry and transaction volume.

• 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 Soriana's merchant policy

• Local regulatory compliance

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

Cash collected at Soriana stores is received by Hecto Financial in MXN, then converted and paid out to the merchant in Korea in whichever of USD, KRW, or JPY was selected under the contract. There is no peso settlement option, and the cycle follows the contract terms. Refunds are handled through a separate refund process rather than at the store.

• 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.