Clip boosts financial inclusion in Mexico through Belvo’s integrated technology

Source: Belvo

In a market where 30% of credit applications in Mexico are rejected for lack of bureau history, Clip – the country’s leading digital commerce platform – is redefining financial inclusion by fully adopting Belvo’s technology to scale its credit and automated‑payment products through PrestaClip.

Clip integrated Belvo’s full suite – employment data, employment updates, and account‑to‑account debit payments – to build robust infrastructure that serves everything from small businesses to nationwide corporates.

An end‑to‑end solution for the entire credit cycle

Clip’s commitment to an end‑to‑end Open Finance approach tackles a structural gap in Mexico’s financial system: reaching people who have never had formal access to credit. Belvo’s employment‑data product allows Clip to understand an applicant’s job stability and income capacity – even when traditional banking history is absent.

Since adopting this technology, Clip has reported tangible gains after incorporating variables such as length of employment, formal income, and frequency of job changes.

The model is reinforced by automatic updates on users’ employment status, enabling Clip to dynamically adjust risk and keep credit limits up to date. This full visibility across the credit life‑cycle – from application to post‑disbursement monitoring – has helped Clip minimize fraud, automate processes, and, through PrestaClip, offer more personalized loan terms.

Payment automation and operational efficiency

Another cornerstone of the partnership is Belvo’s bank‑debit product, which lets Clip automate recurring collections, improve cash flow, and deliver a frictionless experience to users. This is especially valuable for verticals such as gyms, insurance, education, and subscription services, where monthly payments demand high predictability.

Belvo processes roughly two million account‑to‑account payment transactions every month – an annualized total payment volume (TPV) of more than $500 million – reflecting rising demand for efficient collection schemes in sectors long reliant on cash or manual transfers.

Clip leverages this capability to reinforce its strategy across businesses of all sizes and industries. By automating payments, client companies can cut collection costs, raise payment‑success rates, and reduce customer churn – yielding clear benefits in liquidity and operational management.

Scalability and impact for businesses of all sizes

Unlike single‑purpose solutions, the Clip–Belvo combination is built to scale. Whether it is a micro‑merchant or a yoga studio chain – or a multi‑branch enterprise that needs to monitor payments and operations on one platform – the shared tech stack centralizes decisions, reduces friction, and accelerates the digitization of critical processes.

“What matters about this alliance is not just integrating technology, but applying it to solve real financial inclusion challenges. Clip has the reach, and we provide the data and infrastructure to make it happen,” said Federica Gregorini, country manager at Belvo Mexico.

Clip’s case mirrors an emerging trend among financial institutions and fintechs: moving beyond models based solely on traditional data and embracing alternative data sources to build more inclusive, dynamic, and efficient products.

With more than 30 million CURPs processed via Belvo so far in 2025 – and a connection‑success rate above 98% – the ecosystem proves that reliable, secure mechanisms exist to assess repayment capacity without relying exclusively on traditional information.

This full integration between Clip and Belvo not only redefines how personalized credit is offered and how recurring payments are collected; it sets a new standard for financial‑product design in Mexico, where technology, data, and scalability converge to serve those historically left out of the system.

Further reading: Belvo collaborates with JP Morgan Payments for recurring payments in Mexico