General Provisions Applicable to Disposal Media Networks

GENERAL PROVISIONS APPLICABLE TO DISPOSAL MEDIA NETWORKS Published in the Official Gazette of the Federation on March 11, 2014, modified through Resolutions published in the aforementioned Official Gazette on April 2, 2015, and April 27, 2026.

The Bank of Mexico, based on the provisions of Articles 2 Bis; 3 fractions III, IV, VII, VIII, IX, X, XII, XII Bis XIII and XIV and, 4 Bis 3 of the Law for Transparency and Ordering of Financial Services, as well as 28, paragraphs sixth and seventh of the Political Constitution of the United Mexican States; 24, 26, 36 and 36 Bis of the Bank of Mexico Law; 4th, first paragraph; 8th, paragraphs fourth and seventh; 10, first paragraph; 14 Bis in relation to 17, fraction I and 15 in relation to 20, fraction XI of the Internal Regulations of the Bank of Mexico, Second of the Agreement on the Assignment of Administrative Units of the Bank of Mexico, fractions VIII and X, and the National Banking and Securities Commission, based on the provisions of Articles 4 Bis 3 of the Law for Transparency and Ordering of Financial Services; 2; 4, fractions XXXVI and XXXVIII; 4; 16, fractions I and XVI and 19 of the Law of the National Banking and Securities Commission, and

CONSIDERING

That the Law for Transparency and Ordering of Financial Services provides, among other things, the joint authority of the Central Bank and the National Banking and Securities Commission to issue general provisions regulating the terms and conditions under which services related to Disposal Media Networks are provided, as well as the Interchange Fees and Commissions that are charged directly or indirectly, except for services provided by the Bank of Mexico and those referred to in the Payment Systems Law, and

That the regulation of said Networks, Fees, and Commissions must respect the principles of "Promotion of Competition;" "Expansion of Infrastructure and Reduction of Charges and Commissions"; "Free Access"; "Non-discrimination" and "Protection of User Interests" for the benefit of users of Disposal Media, as well as for the businesses or establishments where they are used, have resolved to issue the following:

GENERAL PROVISIONS APPLICABLE TO DISPOSAL MEDIA NETWORKS

CHAPTER I
OBJECT AND GENERALITIES

1st. These provisions aim to regulate Disposal Media Networks, Network Participants, the terms and conditions under which services related to said networks are provided, the conditions that Network Participants must meet, as well as Interchange Fees, Commissions, or any charge charged directly or indirectly, except for services provided by the Bank of Mexico and those referred to in the Payment Systems Law, in relation to said networks. All of the above, in accordance with the principles and provisions contained in Article 4 Bis 3 of the Law.

2nd. For the purposes of these provisions, the following shall be understood, in singular or plural:

Acquirer: The Network Participant who, in accordance with the contract entered into with the Clearing House for Card Payments, provides payment services to Payment Receivers or Aggregators, in Card Payment Networks, and, where applicable, provides the infrastructure of POS terminals connected to these latter networks. Likewise, it commits, under the agreed terms, among others, i) to receive from Payment Receivers requests for payment authorization with Cards; ii) to process and direct to the respective Issuers said requests through the Clearing House for Card Payments; iii) to receive payment authorizations, payment rejections, returns, and adjustments processed by the Issuer to deliver them to the Payment Receiver, and iv) to settle with the Payment Receiver the amount of Card Payments that have payment authorization granted by the corresponding Issuer.

Aggregator: The Network Participant who, under a service provision contract entered into with an Acquirer, offers Payment Receivers the service of accepting Card Payments, and, where applicable, provides the infrastructure of POS terminals connected to said networks.

Authorities: The National Banking and Securities Commission and the Bank of Mexico, jointly.

Clearing House for Card Payments: The person authorized by the Bank of Mexico in accordance with the general provisions issued by it for that purpose, to act as the central entity or to be the operator of a centralized processing mechanism through which the actions corresponding to exchange between Acquirers and Issuers, requests for authorization, payment authorizations, payment rejections, returns, adjustments, or other financial obligations related to Card Payments, including clearing, are carried out.

CNBV: The National Banking and Securities Commission.

Commission: Any charge, regardless of its denomination or modality other than interest, that an Entity charges a Client. In the case of Financial Entities, charges made for passive, active, or service operations shall be considered. In all cases, charges for the use or acceptance of Disposal Media shall be considered.

Conditions for Participation in Disposal Media Networks: The clauses, agreements, technical and operational standards, obligations, and other operational requirements established among Network Participants and, where applicable, Clearing Houses, related to the admission and operation in each Disposal Media Network.

Conditions for Participation in Card Payment Networks: The clauses, agreements, technical and operational standards, obligations, Interchange Fees for Card Payments, and other quotas and operational requirements established contractually among Acquirers, Issuers, Clearing Houses for Card Payments, Brand Owners, and other participants related to the admission and operation in a specific Card Payment Network.

Maximum Interchange Fee: The highest Interchange Fee for Card Payments, according to the level of aggregation that may correspond, which must adhere to the principles established by Article 4 Bis 3, fractions I, subparagraphs a), b) and d) and IV, subparagraphs c) and d) of the Law.

Interchange Fee for Card Payments: The fixed amount or percentage on the amount of the Card Payment determined as Interchange Fee in the Conditions for Participation in Card Payment Networks, which are paid between Acquirers and Issuers for Card Payments, regardless of its denomination or disaggregation.

Issuer: The Network Participant Entity that issues Cards and that, through the Clearing House for Card Payments, receives the payment authorization requests directed by the Acquirer and generates the respective payment authorizations, payment rejections, returns, and adjustments, with the object of being sent to the Payment Receiver through the chamber and to the corresponding Acquirer.

(1) Specialized Companies: Network Participants that provide services only to Participants in the Card Payment Network, which are necessary for said subjects to carry out the respective activities referred to each of them in terms of this Provision.

Law: The Law for Transparency and Ordering of Financial Services.

Card Payment: The delivery of resources to the Payment Receiver resulting from the acceptance that it has made of a Card to cover a certain consideration for the sale of a good, provision of a service, or for any other concept, through the corresponding charges in the account linked to said card and the credit of the agreed amount in the Payment Receiver's account.

Participants in the Card Payment Network: Acquirers, Aggregators, Issuers, Specialized Companies, and Brand Owners.

Payment Receiver: The natural or legal person who, by virtue of the celebration of a service provision contract with an Acquirer or Aggregator, accepts Card Payments through POS terminals or other devices connected to the Card Payment Network that the Acquirer or Aggregator makes available to it, and who in turn initiates the authorization request through the Acquirer or Aggregator and receives the acceptance or rejection of this, through the same Acquirer or Aggregator.

Card Payment Network: The Disposal Media Network related to the use of Cards as a means of payment.

Cardholder: The holder of the Card susceptible of being used in the Card Payment Network.

Cards: Credit Cards and Debit Cards.

Credit Cards: The disposal medium issued under a current account credit opening contract, which the Issuer grants in the name of the accredited party so that this, by using said medium, can dispose of the credit line granted, totally or partially, under the modalities of cash withdrawal, where applicable, or payments in favor of third parties made by the Issuer on behalf of the accredited party through the Card Payment Network that, for said purposes, operates the Clearing House for Card Payments.

Debit Cards: The disposal medium issued under a demand money deposit contract, which the Issuer grants to the depositor so that this, by using said medium, can, in addition to carrying out other withdrawal operations, dispose of the deposited funds as payments in favor of third parties made by the Issuer on behalf of the depositor through the Card Payment Network that, for said purposes, operates the Clearing House for Card Payments.

Discount Rates: Any fixed, variable charge based on the amount, or combination of these, that the Acquirer charges Payment Receivers, for each Card Payment operation.

Brand Owner: The Network Participant who is the owner of a brand susceptible of being used on Cards and who grants, under a contract, licenses for its use to Issuers in the issuance of Cards, and to Acquirers in the provision of services related to them, and who, where applicable, as part of the use licenses granted, among others, establishes conditions and technical, operational, and guarantee specifications to Issuers and Acquirers that use its brand, as well as to a company that is authorized to impose said conditions and specifications of use of the license granted by some brand owner abroad.

Point of Sale Terminals or POS: The means of access to the Card Payment Network, such as electronic devices, terminals, mobile phones, and computer programs, operated by Payment Receivers to instruct the payment of goods or services charged to a Card.

Additionally, the concepts Clearing House, Client, Interchange Fee, Entities, Financial Entities, Network Participants, and Disposal Media Networks shall have the meaning contained in the Law.

3rd. The CNBV may request from Network Participants the information that the Authorities require in the exercise of their powers, regarding compliance with what is established by Article 4 Bis 3 of the Law and these provisions, under the terms determined for that purpose. This information may refer, among others, to:

I. Charges or consideration of any nature, direct or indirect, in cash or in kind, that they carry out or pay for their participation in Disposal Media Networks. The above may be requested regarding the levels of said charges or consideration in the different types or business segments, type of Disposal Medium, and other characteristics and segmentations. In its case, it may also require:
a) The method and procedure used to set charges and consideration in each Disposal Media Network; b) The direct and indirect costs and other considerations used in such determination, and c) The profitability of determined business segments.

II. Conditions for Participation in Disposal Media Networks, which may include, for the purpose of accrediting compliance with what is established by provision 5th, information related to:
a) Technical, operational, and security standards, business continuity, interconnection, communication, participant identification, routing procedures, and other requirements of the Disposal Media Network and its Participants; b) Processes for the incorporation of new Participants in said network, as well as the requirements imposed on them; c) Corporate governance aspects of Participants and of the Disposal Media Networks themselves; d) Norms and processes to prevent and resolve conflicts, and e) Normativity, processes, and practical actions used to apply and make effective the Conditions for Participation in Disposal Media Networks corresponding.

(1) Relevant Network Participants must deliver the information referred to in this provision, valid as of December 31, within the first two months of the following year. Likewise, within said deadline, these participants must send a list of the contracts they have entered into for the provision of services related to the Disposal Media Network, accompanied, where applicable, by the corresponding update.

(1) For the purposes of the preceding paragraph, Relevant Network Participants shall be those that perform functions as Acquirers, Aggregators, Issuers, Specialized Companies, as well as Brand Owners, in the Card Payment Network.

The CNBV, in the exercise of its inspection and surveillance powers, may require the appearance of shareholders, partners, officials, representatives, and other employees of any Network Participant.

What is established in this provision shall be observed without prejudice to the powers of the Bank of Mexico regarding Clearing Houses.

4th. The contracts and agreements entered into by Network Participants must contain clauses that allow their counterparty, at least:

I. Know in a detailed and specific manner the services, conditions, and standards under which each of them will be provided.
II. Know in a disaggregated and precise manner the terms and conditions, as well as the consideration of the services subject to the contract.
III. Receive equitable and non-discriminatory treatment.
IV. Have at their disposal in a timely manner statements of account or, in the absence thereof, a document with the transactional detail related to the contracted services, with the frequency agreed upon, which in no case may be longer than a quarter and always provided that there were operations in the period in question.
V. Have access to a non-discriminatory, conflict-of-interest-free, and expeditious process for the resolution of disputes against the Network Participant of the Disposal Media Network in question.
VI. Provide for the termination of the contractual relationship with the service provider.

The aforementioned contracts may not contemplate schemes in which the contracting of operations or services is conditioned to the contracting of another operation or service, as well as any other practice that affects competition or opposes the principles established in fractions I to IV of Article 4 Bis 3 of the Law or what is established in these provisions.

Network Participants must identify and follow up on disputes generated by the provision of their services, identifying the causes and, where applicable, the resolution to said disputes, as well as the measures adopted consequently. The Authorities may request this information and make it public, as statistical information, subject to the conditions established by applicable provisions.

Likewise, the CNBV may request from Network Participants the contracts they enter into for the provision of services related to the Disposal Media Network. In all cases, the Authorities may request modifications from them at any time when they determine that their content opposes the principles established in fractions I to IV of Article 4 Bis 3 of the Law or what is established in these provisions.

5th. The Conditions for Participation in Disposal Media Networks must be subject to the following principles:

I. Allow the inclusion of new Network Participants in competitive and non-discriminatory conditions regarding their pricing, operational, technological, and contractual policies.
II. Allow the resolution of conflicts between Network Participants.
III. Make their content transparent to potential Network Participants.
IV. Seek the integrity of the Disposal Media Network, the continuity of operation, and information security, without this constituting an entry barrier.

6th. The CNBV will supervise that the charges or consideration of any nature, direct or indirect, in cash or in kind, that Network Participants carry out or pay in that capacity, as well as the determined payments that are required, comply with the principles established in Article 4 Bis 3 of the Law; otherwise, the Authorities may order, prior to the right to be heard, that their amount or the manner of their determination be modified, without prejudice to the imposition of sanctions that may be appropriate.

Network Participants, classified as relevant by the Authorities in terms of provision 3rd, must register with them, through the Financial System Information Directorate of the Bank of Mexico, the charges or consideration referred to in the preceding paragraph.

7th. Charges or consideration, Conditions for Participation in Networks, and the requirements and capabilities that different Network Participants must meet may be disclosed on the CNBV website, subject to the conditions established by applicable provisions.

8th. Those Network Participants who, by virtue of other regulations, are obliged to provide any of the Authorities with any information referred to in this Chapter, shall only deliver the additional information that they require.

9th. Network Participants may agree with third parties the provision of services related to the object of said participants as long as they comply with the requirements and conditions that the Authorities publish through a general resolution.

CHAPTER II
ON CARD PAYMENT NETWORKS

10th. Interchange Fees for Card Payments must be included in the Conditions for Participation in Card Payment Networks and, for their validity, must be registered with the Authorities through the Payment Systems Directorate of the Bank of Mexico, at least thirty days before the date on which they are intended to be applied, through the Issuers, prior to consensus with Acquirers, Clearing Houses for Card Payments, and, where applicable, Brand Owners, or by a common representative designated for that purpose in the said conditions.

When registering Interchange Fees for Card Payments in terms of what is stated in the preceding paragraph, the justification supporting the respective charge must be attached.

(2) 10th Bis. 1As an exception to what is provided in the 10th of these provisions, for the purposes of registering the reduction of Interchange Fees for Card Payments, exclusively in the commercial sector of gas stations, said interchange fees must be included in the Conditions for Participation in Card Payment Networks and, for their validity, must be registered with the Authorities through the General Directorate of Payment Systems and Market Infrastructures of the Bank of Mexico, through a request presented through the Issuers or by a common representative designated for that purpose.

(2) When registering Interchange Fees for Card Payments in terms of the preceding paragraph, the validity of said registration shall be six months, which shall begin to run from the date on which the applicants inform their due implementation to the Bank of Mexico. In this case, once said validity concludes, the Interchange Fees for Card Payments applicable to the commercial sector of gas stations shall be adjusted in accordance with the applicable regulation in force.

11th. Participants in the Card Payment Network must deliver to the Authorities through the Payment Systems Directorate of the Bank of Mexico, no later than the tenth business day of the month of August of each year, the information described below, in the form and terms indicated in Annex 1 of these provisions:

I. The fixed and variable costs they assume in carrying out the activity they perform within the Card Payment Network, disaggregated by Credit Card and Debit Card.
II. A proposal of the levels of Interchange Fee for Credit Card and Debit Card that they estimate are optimal for the development of the Card Payment Network, understanding that they must consider what is stated in Article 4 Bis 3 of the Law and these provisions.
III. Where applicable, a cost-based justification of the proposed difference in the Interchange Fee for Card Payments by economic activity or by other disaggregation considered optimal.

In all cases, the Authorities may request the clarifications they deem convenient regarding the information received.

12th. In the event that the Authorities determine that some Interchange Fee for Card Payments does not adjust to the principles established in Article 4 Bis 3 of the Law, the CNBV must require the person who registered it to manifest what is convenient for their rights regarding such determination, for which they will have a period of ten business days from the date the aforementioned requirement is notified to them.

The Authorities will resolve definitively on the Interchange Fee for Card Payments and may order that its amount or the manner of its determination be modified and, consequently, the corresponding registration will be updated. For the above resolution, the Authorities will consider the

1 This article was added through a Resolution published in the Official Gazette of the Federation on April 27, 2026 and will be valid until October 31, 2026. Once that date has passed, provision 10th Bis will be repealed.

principles established in the Law, the information received, other criteria and elements they deem appropriate, as well as the opinion that, if required, they request from other Participants of said Card Payment Network.
The Maximum Interchange Fees shall be those recorded in the registry, which will be disclosed on the Bank of Mexico's website.

13th. Acquirers, Aggregators, and Brand Owners must register with the Authorities, through the Financial System Information Directorate of the Bank of Mexico and in accordance with what is stated in Annex 2 of these provisions, each of the Commissions or Discount Rates or any other charge they apply for services related to the receipt of Card Payments, as well as any modifications they make. The Bank of Mexico will publish, in an aggregated manner, the information provided in terms of this provision for transparency and to facilitate comparison, subject to the conditions established by applicable regulations.

14th. Acquirers and Aggregators must make available to the Payment Recipients they provide services to, at the frequency they agree upon, which in no case may exceed a quarter, statements of account in the terms established in Annex 3 of these provisions, regarding each type of Card based on its particular characteristics.

15th. Participants in Networks shall be considered persons who maintain databases to provide information to Participants in the Card Payment Network, including identification numbers.
For the purposes of these provisions, identification numbers shall be understood as the codes that identify in the Card Payment Network the Issuers, Acquirers, and Payment Recipients, provided by the Brand Owners or the Ministry of Economy.

16th. To promote the proper functioning and development of the Card Payment Network, Participants in the Card Payment Network must observe the respective requirements indicated below:

I. Acquirers, Aggregators, Issuers, and Brand Owners must:
a) Be corporations under the terms of the General Law of Commercial Corporations or national credit corporations, under the terms of the Credit Institutions Law. b) Refrain from conditioning the provision of their services to the contracting of any particular service provider.

II. Acquirers, Issuers, and Brand Owners must make available to potential clients or counterparties, subject to confidentiality agreements they agree upon, the Conditions for Participation in Card Payment Networks, which include the technical specifications to operate with the minimum service levels required in the network, as well as how they supervise, certify, and penalize possible non-compliance.

III. Acquirers and Issuers must:
a) Have information and communication technology infrastructure to efficiently handle authorization requests, payment authorizations, payment rejections, or other messages that must be processed on behalf of their Payment Recipients in the Card Payment Network and their Cardholders. b) Comply with the Conditions for Participation in Card Payment Networks applicable to them. c) Have processes, tools, technological infrastructure, and controls for the surveillance, detection, and prevention of events that deviate from the usual usage parameters of Cardholders and acceptance by Payment Recipients, including fraud. d) Have a business continuity plan in the terms of Annex 4 of these provisions.

IV. Acquirers, Aggregators, and Issuers must observe the security measures for the transmission, storage, and processing of information established in Annex 5 of these provisions.

V. Acquirers must:
a) Have the capacity to incorporate applications and certificates in POS terminals, so that these can be used in any other Card Payment Network, within a period not exceeding 60 calendar days from the request made by the Participant in the Card Payment Network, which may be extended by the Authorities upon duly justified request. b) Refrain from conditioning the provision of their services to the contracting of any particular type of deposit account, as well as any other service other than those strictly indispensable for the provision of the Card Payment receipt service. The foregoing does not limit the possibility of offering service and product packages provided that these are not offered at a price different from the sum of the price of those individually. c) Define minimum standards for Payment Recipients they affiliate with the objective of complying with the requirements of the Card Payment Network in which they participate. d) Have operational, regulatory, and financial audit programs that allow them to prevent Payment Recipients they affiliate with from violating the Conditions for Participation in Card Payment Networks. e) Provide in the contracts they enter into with Aggregators the obligation of these to receive home visits by the Authorities, to verify compliance with the provisions applicable to them, as well as to allow both the Authorities and the respective Acquirers access to the responsible personnel and their offices and facilities in general, related to the provision of the service in question. f) Employ standards that allow interoperability within the Card Payment Network, regardless of the POS terminal used, as well as between Card Payment Networks, and use technology that has the capacity to allow the installation of applications and certificates for the acceptance of Card Payments from other Brand Owners. g) Allow Aggregators to use more than one identifier linked to their affiliation number according to the conditions applicable to Interchange Fees.

VI. Issuers must register and certify the characteristics of their Cards with the Brand Owners, being able to rely on Specialized Companies for such purposes.

VII. Brand Owners must:
a) Make available to potential clients or counterparties, subject to confidentiality agreements they agree upon, the legal and commercial requirements, so that Entities can participate as Issuers or Acquirers with the license of their brand. b) Make available to their current and potential Participants in the Card Payment Network in a clear and transparent manner, a price list with all products and services necessary to grant the use of their brand. c) Refrain from offering their services in an aggregated manner. d) Refrain from conditioning the provision of their brand usage services to the contracting of other services provided by the Brand Owners themselves or any particular provider. The foregoing does not limit the possibility of offering service and product packages provided that these are not offered at a price different from the sum of the price of those individually. e) Refrain from imposing any differentiated charge or commission on Issuers, Acquirers, Aggregators, or Specialized Companies for operations related to Card Payments depending on whether they have been processed or not through Clearing Houses for Card Payments operated by the Brand Owner itself. f) Refrain from imposing differentiated charges or commissions based on the volume of operations related to Card Payments. g) Make available to potential clients or counterparties, subject to confidentiality agreements they agree upon, the Conditions for Participation in Card Payment Networks regarding the use of the brand. Establish technological and operational conditions that do not hinder the entry of competitors in the provision of applications and technological infrastructure and additional services such as compliance certification standards, telecommunications services, among others. h) Establish standards that allow interoperability for all Issuers and Acquirers of the Card Payment Network, regardless of the POS terminal used, as well as between Card Payment Networks, and use technology that has the capacity to allow the installation of applications and certificates for the acceptance of Card Payments from other Brand Owners. i) Establish minimum requirements regarding the surveillance, detection, and prevention of events that deviate from the usual usage parameters of Cardholders, including fraud, which their Acquirers and Issuers must comply with. Such programs must be available to the Authorities at all times. j) Establish POS terminal, Card, and application certification procedures that Issuers and Acquirers must comply with to ensure the correct operation of Cards with their brand. Such procedures must be available to said Issuers and Acquirers, and have service providers other than the Brand Owners. k) Establish and make public the criteria and standards regarding the services they offer to Acquirers, Aggregators, and Specialized Companies. Such criteria and standards will be subject to the supervision of the Authorities, who may order corrections at any time when they
determine that said criteria and standards are contrary to the principles referred to in fractions I to IV of article 4 Bis 3 of the Law. l) Respond regarding the settlement of Card Payments of their brand duly processed between Acquirers and Issuers, in terms of what was agreed, regardless of the Clearing Houses for Card Payments that have performed their processing. m) Brand Owners must have schemes that guarantee the settlement of the obligations of Issuers and Acquirers for the corresponding Card Payments in case of non-payment by one of them. n) Promote the formation of working groups with other Participants in the Card Payment Network whose objective is to determine the adoption of new technologies or best practices, create more efficient standards, or any other activity that promotes the growth of the Card Payment Network in which they participate.

CHAPTER III
OF THE AUTHORITIES

17th. The CNBV will sanction Participants in Networks for non-compliance with these provisions, in terms of what is established in the Law.

Likewise, the CNBV to enforce its determinations, may use or employ indistinctly, the following means of coercion:
I. Reprimand with warning.
II. Fines.
III. Temporary, partial, or total closure.
IV. Assistance of the public force.
Without prejudice to the sanctions imposed on any Participant in Networks for non-compliance with the above norms, other Participants in Networks may sue for damages and losses caused to them by such non-compliance.

18th. The Authorities may require, prior right to be heard, Acquirers, Issuers, and Brand Owners modifications to the Conditions for Participation in Card Payment Networks when they determine that these contradict what is established in article 4 Bis 3 of the Law or what is established in these provisions.

19th. The Authorities must exchange the information received in terms of these provisions or that which they require in the exercise of their powers, to promote the best fulfillment of their functions.

TRANSITIONAL PROVISIONS

FIRST. These provisions will enter into force 15 days following their publication in the Official Gazette of the Federation, except for what is established in the following articles.

SECOND. What is stated in provisions 4th, 5th, 6th, 10th, 13th, and 16th, with the exception of what is established in the following Fourth Transitional Provision, will enter into force 90 days following the publication of this instrument in the Official Gazette of the Federation.

THIRD. For the generation of the statements of account referred to in Rule 14th, Acquirers and Aggregators will have a period of 180 calendar days counted from the entry into force of these provisions.

FOURTH. What is contained in provision 16th, fraction I, subsection a) will enter into force 18 months counted from the entry into force of these provisions.
Acquirers and Issuers other than Credit Institutions, which are in operation on the date of entry into force of these provisions, will have a period of 180 calendar days counted from such date to implement and comply with the provisions on Business Continuity Plans established in Annex 4, in accordance with what is stated in provision 16th, fraction III, subsection d). Likewise, Acquirers, Aggregators, and Issuers will have the same period to observe the security measures for the transmission, storage, and processing of information established in Annex 5, as contained in provision 16th, fraction IV; except for the information that must be provided according to subsection B of said Annex 5, which will enter into force as provided in Transitional Provision First. Acquirers will be obligated to observe what is contained in provision 16th fraction V, subsection a), regarding POS terminals installed prior to the date of entry into force of these provisions, one year after that date. Brand Owners will be obligated to comply with what is established in provision 16th, fraction VII, subsection f), one year after the entry into force of these provisions.

FIFTH. Participants in Card Payment Networks will have a period of 12 months counted from the entry into force of these provisions to adjust the Conditions for Participation in Card Payment Networks to what is established in this instrument.

TRANSITIONAL
(Resolution that modifies the General Provisions Applicable to Disposition Media Networks, published in the Official Gazette of the Federation on April 2, 2015)

SOLELY.- This Resolution will enter into force the day following its publication in the Official Gazette of the Federation.

TRANSITIONAL
(Resolution that adds 10th Bis to the General Provisions Applicable to Disposition Media Networks, published in the Official Gazette of the Federation on April 27, 2026)

SOLELY.- The 10th Bis of the General Provisions Applicable to Disposition Media Networks will enter into force the day following the publication of this Resolution in the Official Gazette of the Federation and its validity will expire on October 31, 2026. Once that date has passed, provision 10th Bis will be repealed.

CONSIDERING
(April 2, 2015)
That as a result of the identification program carried out by the National Banking and Securities Commission in terms of article Fifth, fraction VI of the Decree by which various provisions in financial matters are reformed, added, and repealed and the Law to Regulate Financial Groupings is issued, published in the Official Gazette of the Federation on January 10, 2014, participants in networks were recognized, and it is necessary to specify the subjects that will be classified as relevant disposition media network participants, and

That in view of the aforementioned and that the card payment network is the one identified and all its participants are relevant for the functioning of said network, considering the activities they perform, they have resolved to issue the following:

CONSIDERING
(April 27, 2026)
That the National Banking and Securities Commission has as its objective to supervise and regulate, within the scope of its competence, the entities and institutions comprising the Mexican financial system and other natural and legal persons, in order to ensure their stability and proper functioning, as well as to maintain and foster the healthy and balanced development of said system as a whole, in protection of the public's interests.

That the Bank of Mexico has within its objectives to promote the healthy development of the financial system and to foster the proper functioning of payment systems.

That in terms of what is established in article 4 Bis 3 of the Law for Transparency and Ordering of Financial Services, said authorities, jointly, must issue general provisions to regulate the terms and conditions under which services related to disposition media networks are provided, as well as the interchange fees charged directly or indirectly, except for services provided by the Bank of Mexico and those referred to in the Payment Systems Law.

That, in exercise of the powers referred to in the preceding considerations, the National Banking and Securities Commission and the Bank of Mexico jointly issued the “General Provisions Applicable to Disposition Media Networks”, published in the Official Gazette of the Federation on March 11, 2014 and modified, for the last time, by the resolution published in said dissemination medium on April 2, 2015, whose provision 10th establishes, verbatim, the following:

“10th. Interchange Fees for Card Payments must be included in the Conditions for Participation in Card Payment Networks and, for their validity, must be registered with the Authorities through the Payment Systems Directorate of the Bank of Mexico, at least thirty days before the date on which they are intended to be applied, through the Issuers, prior to consensus with Acquirers, Clearing Houses for Card Payments, and, if applicable, Brand Owners, or by a common representative designated for this purpose in said conditions.

When registering Interchange Fees for Card Payments in terms of what is stated in the preceding paragraph, the justification supporting the respective charge must be attached.”

That the Federal Government has promoted the management and negotiation of agreements with representatives of the gas station business sector, with the objective of protecting the consumer economy, and that participants in the card payment networks market have expressed interest in promoting the adoption of digital payments in key sectors of the economy, as well as improving the conditions of acceptance services for these payment methods.

That a broad sector of said participants has requested the National Banking and Securities Commission and the Bank of Mexico to temporarily flexibly the process for the registration of interchange fees, with the purpose of generating conditions that foster the adoption of card payments, as well as strengthen the traceability of operations in protection of the public's interests.

For the above, it is considered appropriate to temporarily flexibly the process for the registration of interchange fees for the commercial activity of gas stations in order to reduce operational burdens, expedite their adoption, as well as ensure a timely and coordinated response, without prejudice to the principles of security, transparency, and supervision applicable.

That the Board of Governors of the Bank of Mexico, within the scope of its competence, determined to exempt these modifications from the public consultation process, in order that, in a timely manner, the effects sought to be achieved with this resolution are produced.

REFERENCE
(1) Reformed by Resolution published in the Official Gazette of the Federation on April 2, 2015.
(2) Added by Resolution published in the Official Gazette of the Federation on April 27, 2026.