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US → MEXICO · PRE-LAUNCH · WAITLIST OPEN

Send money to Mexico.

You pay 1% of what you send, never more than $1 USD. We don't touch the exchange rate. And you see exactly what your family receives before you send a dollar.

Try the estimate on the right. Below it, the pricing in plain English and where the new 1% U.S. remittance tax fits in. That tax is a government charge, not our fee.

Pesito is pre-launch, so this is planned pricing and not available yet. The final price always appears in the app before you pay and may change before launch.

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What the others would charge you.

Same amount, same day, side by side. Change the amount in the estimate above and these numbers move with it.

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The honest answer on price.

Most "cheapest way to send money to Mexico" rankings are paid affiliate content. Here's the version nobody pays us to write.

A transfer costs you two things: the fee you can see, and the exchange-rate markup you usually can't. Some providers show both numbers. Others bury the markup inside the rate, which is how a "$0 fee" promotion ends up costing more than a transfer with a posted fee.

Our pricing is built so you never have to do that math. 1% of what you send, capped at $1 USD on international transfers, and $0 between Pesito users in the same country. We don't add a margin to the exchange rate: our reference is a mid-market average at quote time, and if a margin ever existed it would be its own line on your receipt.

The whole fee ladder, start to finish:

  • Send $25, pay $0.25.
  • Send $50, pay $0.50.
  • Send $100, pay $1.00. That's where the cap kicks in.
  • Send $500, pay $1.00. Send $2,000, still $1.00.

Before every transfer you'll see the exchange rate, the exact fee, and what your recipient gets. U.S. federal law requires it (the CFPB Remittance Transfer Rule), and we'd show you anyway.

This is planned pricing and isn't available yet. The final price always appears in the app before you pay. For competitor-by-competitor numbers with sources and last-checked dates, see the comparison guides at the bottom of this page.

The planned pricing model.

Here's the model we're building toward. Two kinds of transfer, two prices.

Transfer type Pesito fee (USD, planned) Delivery Recipient needs a bank?
US → Mexico (international) 1% of the amount sent, capped at $1 Designed for fast delivery No. Planned options are a SPEI bank deposit or cash pickup without a bank.
$PesitoID to $PesitoID, same country (US→US or MX→MX) $0 Designed for fast delivery No

Two things we don't control: your recipient's bank or cash-out location may charge its own fees, and foreign taxes may apply. If an operator fee ever gets passed through, you'll see it before you confirm. Every transfer also goes through identity verification, limits, corridor availability, and compliance review.

About that "+1% remittance tax"

Starting January 1, 2026, the U.S. government charges a 1% excise on remittances funded with cash, a money order, or a cashier's check. That's a tax collected by the government. It is not our fee, and it's separate from the capped 1% above.

Pesito is being designed to fall outside it, because the planned funding methods are debit card and bank transfer (ACH) only, with no cash option. This is general information, not tax advice. Please talk to a tax professional about your situation.

Read the full explainer →

Who we're building this for.

Pesito is for you if any of this sounds like your life:

  • You send money to Mexico more than once a month, and the fees add up.
  • Your family doesn't have a bank account, so cash pickup is the real option.
  • You want both sides to have an app, instead of one person holding a code and the other holding a paper receipt.

Send once a year to someone with a bank account? The convenience matters less. A fee that never tops a dollar still does.

Where we're weaker. Honestly.

We haven't launched. The others work today, and that alone may decide it for you. Beyond that:

  • Western Union has more than 600,000 agent locations and has been around since 1851. If your family insists on one specific pickup counter, nobody beats that footprint.
  • Remitly answers the phone 24/7 in several languages and reaches dozens of countries beyond Mexico.
  • Wise is the better fit if you're moving five figures or running international payroll.

We're not trying to win those. We're trying to win one route, the U.S. and Mexico, on honest prices and on what it feels like for the person receiving the money.

Frequently asked.

How much will it cost to send money to Mexico with Pesito?
Pesito hasn't launched yet, so this is the planned price: a Pesito fee of 1% of the amount you send, capped at $1 USD, per international US→Mexico transfer (any supported amount within app and legal limits), and $0 on domestic transfers between Pesito users within the same country (US→US or MX→MX, $PesitoID→$PesitoID), planned. In practice: $25 costs $0.25, $50 costs $0.50, and from $100 up the fee stops at $1. A $500 transfer costs $1, and so does a $2,000 transfer. The fee applies only to international transfers. We're building Pesito with no exchange-rate markup: our reference is a mid-market rate average at quote time, and any rate margin would appear as a separate, disclosed line item, never hidden inside the rate. Your recipient's bank or cash-out location may charge its own fees, and foreign taxes may apply; pass-through operator fees, if any, are shown before you confirm. Final pricing is always shown in the app before you pay and may change before launch.
Does the 1% U.S. remittance tax apply to Pesito?
Pesito is being designed so transfers would fall outside the excise, a 1% federal tax (effective Jan 1, 2026, under the OBBBA) on remittances funded by cash, money order, or cashier's check, because Pesito's planned funding methods are debit card and bank transfer (ACH) only, with no cash funding. This is general information, not tax advice. Please talk to a tax professional. Full explainer →
Will my family be able to pick up cash without a bank account?
That's the plan. Cash pickup is a planned feature, subject to change and regulatory approval, where a recipient in Mexico would show a government ID and a reference code from the app at a participating cash-out location. For recipients who prefer a bank deposit, SPEI transfer to any Mexican CLABE is also a planned feature. Your recipient's bank or cash-out location may charge its own fees, and foreign taxes may apply.
How long will the transfer take?
Pesito is designed for fast delivery, but we won't promise delivery times before launch. SPEI, the Mexican interbank rail we plan to use for bank deposits, operates 24/7. Transfers are subject to identity verification, corridor availability, limits, and compliance review.
Is Pesito FDIC-insured?
No. Pesito is a United States technology company; FDIC insurance does not apply. Aztlan Software, Inc. is not a bank and does not accept deposits. When the service launches, customer funds will be held in custody at licensed financial institutions. Our own settlement infrastructure may use regulated digital settlement rails under the hood. We disclose that plainly on our What is Puente Railway page.
How is Pesito's pricing designed to be transparent?
Two design commitments. First, one simple planned fee: 1% of the amount you send, capped at $1 USD per international US→Mexico transfer, and only on international transfers, instead of an uncapped percentage or a rate markup. Second, no Pesito FX spread: our reference is a mid-market rate average at quote time, and any rate margin would appear as a separate, disclosed line item, never hidden inside the rate. Before every transfer you'll see the exchange rate, the exact fee, and exactly what your recipient gets, as U.S. federal law requires (CFPB Remittance Transfer Rule).

Pesito is pre-launch. Be there first.

Join the waitlist and we'll let you know when Pesito launches. Two minutes on the survey helps us build the right thing.

Join the waitlist

This form is hosted by Google Forms and is subject to Google's Terms of Service and Privacy Policy. Do not submit passwords, account numbers, or other sensitive information. Opens in a new tab. Survey or waitlist responses do not complete identity verification.

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