CFDI 4.0 Workflow Visualization
Complete invoice flow from POS transaction to SAT reporting, with <2sec end-to-end target timing and automated PAC failover handling.
POS Sale Completed
Immediate
Transaction Data Package
<100ms
RFC Validation
<50ms
XML Generation (CFDI 4.0)
<200ms
Digital Seal (CSD)
<100ms
PAC Timbrado
~800ms (target)
UUID + Fiscal Folio
<50ms
Receipt with QR Code
<100ms
SAT Reporting
Async
⚡ Key CFDI 4.0 Features
- Mandatory since January 1, 2022
- Enhanced digital signatures with CSD certificates
- Real-time validation with SAT infrastructure
- Support for multiple payment complementos
- Advanced tax classification (IEPS, IVA exceptions)
MSI (Meses Sin Intereses) Payment Flow
Liverpool's installment payment process with bank integration and CFDI compliance for 3, 6, 9, 12, and 18-month options.
3 Meses
Min Purchase: $500 MXN
Banks: Banorte, BBVA
Interest: 0% (Promotional)
Monthly: ~$167 MXN
Banks: Banorte, BBVA
Interest: 0% (Promotional)
Monthly: ~$167 MXN
Liverpool Credit Card or Partner Banks
6 Meses
Min Purchase: $1,000 MXN
Banks: Banorte, BBVA, Santander
Interest: 0% (Promotional)
Monthly: ~$167 MXN
Banks: Banorte, BBVA, Santander
Interest: 0% (Promotional)
Monthly: ~$167 MXN
Liverpool Card or Selected Partners
9 Meses
Min Purchase: $2,000 MXN
Banks: Banorte, BBVA
Interest: 0% (Promotional)
Monthly: ~$222 MXN
Banks: Banorte, BBVA
Interest: 0% (Promotional)
Monthly: ~$222 MXN
Liverpool Preferred Card
12 Meses
Min Purchase: $3,000 MXN
Banks: Banorte, BBVA, Santander
Interest: 0% (Promotional)
Monthly: ~$250 MXN
Banks: Banorte, BBVA, Santander
Interest: 0% (Promotional)
Monthly: ~$250 MXN
All Liverpool Cards
18 Meses
Min Purchase: $5,000 MXN
Banks: Banorte, BBVA
Interest: 0-2% (Promotional)
Monthly: ~$278 MXN
Banks: Banorte, BBVA
Interest: 0-2% (Promotional)
Monthly: ~$278 MXN
Premium Liverpool Card Only
🔐 Bank Authorization
Validation: BIN matching
Real-time Auth: <500ms
Fallback: Offline PIN verification
Compliance: PCI-DSS Level 1
Real-time Auth: <500ms
Fallback: Offline PIN verification
Compliance: PCI-DSS Level 1
Encrypted end-to-end
MSI CFDI Complemento de Pago
Each MSI transaction generates a CFDI with:
- Complemento de Pago (Payment Complement): Documents individual installment payment
- Interest Disclosure: Calculated and shown upfront (0% for promotional)
- Monthly Billing Setup: Automated with clear recurring invoice schedule
- RFC Link: Customer and creditor RFC properly validated
Payment Gateway Architecture for Mexico
Integrated multi-gateway strategy with PCI DSS compliance, EMV support, and intelligent routing.
Primary Processors
PROSA
Primary processor for Mexico. Handles Visa, Mastercard domestic transactions. Direct Mexico City infrastructure.
Primary processor for Mexico. Handles Visa, Mastercard domestic transactions. Direct Mexico City infrastructure.
E-Global
Alternative processor. Secondary routing for load distribution. Interbank network integration.
Alternative processor. Secondary routing for load distribution. Interbank network integration.
Bank Direct Integrations
Banorte
MSI settlement, debit card processing, store-branded card clearing.
MSI settlement, debit card processing, store-branded card clearing.
BBVA Bancomer
Credit card auth, MSI processing, business banking integration.
Credit card auth, MSI processing, business banking integration.
🎯 NULogic Intelligent Routing Strategy
Liverpool Card
→
Banorte direct gateway (settlement same-day)
Visa / Mastercard
→
PROSA primary, E-Global secondary
American Express
→
AMEX direct API (premium routing)
MSI Transaction
→
Bank-specific (Banorte/BBVA) with Complemento Pago
Gateway Down
→
Failover queue, retry on reconnect
🔑 EMV & Payment Method Hierarchy
NULogic prioritizes by security and speed:
①
EMV Chip: Preferred. Cryptographic authentication, liability shift.
②
Contactless (NFC): Fast, secure, EMV-equivalent protection.
③
Magnetic Stripe (MSR): Legacy fallback only. Requires manual signature.
PCI DSS Compliance: Level 1 certification. All card data encrypted, tokenization required for recurring billing, PAN never stored locally.
🔥 Buen Fin / Hot Sale Strategy
Mexico's biggest shopping event. 2x normal transaction volume at peak. Comprehensive load testing and event coordination ensures zero downtime and perfect customer experience.
📅 T-14 Days: Load Testing & Capacity Planning
Load testing at 2X of last year's peak volume. Pub/Sub topic scaling, database connection pooling optimization, PAC provider capacity confirmation. Multi-region coordination planning.
📅 T-7 Days: Full Stress Testing
Full stress testing across all regions. War room setup and multi-region coordination drills. Payment gateways, CFDI generation, and MSI processing validated at peak load. Cache warming strategies deployed.
📅 T-1 Day: War Room Activation
War room activated. All monitoring dashboards live. Alert thresholds configured. Regional leads on standby. Escalation paths confirmed. Database replication lag verified <100ms. PAC providers confirmed ready.
🚀 Event Day: 24/7 War Room Operations
24/7 war room staffed. Real-time multi-region monitoring. Instant escalation protocols active. Auto-scaling triggers at 60% capacity. Payment gateway failover pre-tested. CFDI queue depth tracked. Performance alerts every 15 minutes.
📊 T+1: Post-Event Analysis
Full metrics review. Performance hotspots identified. CFDI success rate: target >99.9%. Payment decline rate: <0.5%. Multi-region coordination effectiveness analyzed. Lessons documented for next event.
🎯 Key Metrics Target
✓ Transaction throughput: 5000+ TPS
✓ CFDI generation: <2 sec 99.9th percentile
✓ Payment auth success: >99.5%
✓ Zero checkout abandonment due to system
Mexico Regulatory Compliance Checklist
Complete adherence to SAT (Servicio de Administración Tributaria) and PROFECO requirements.
✅
CFDI 4.0 Compliant
Mandatory since Jan 2022. Digital invoice with CSD certificate, SAT-validated.
✅
Carta Porte Integration
Logistics tracking complement for goods transportation compliance.
✅
RFC Validation
Persona Física (individual) and Persona Moral (business) validation in real-time.
✅
IVA 16% Calculation
Proper centavo rounding per SAT rules. Tax-inclusive/exclusive pricing support.
✅
IEPS Tax Support
Special goods (fuel, alcohol, tobacco). Correct itemization in CFDI.
✅
Complemento de Pago
MSI and installment payment complement. Creditor/debtor RFC tracking.
✅
Nota de Crédito
Credit memo for returns/refunds. Proper CFDI reference linking.
✅
Liverpool Addenda
B2B-specific custom fields for vendor/supplier invoicing.
✅
QR Code on Receipts
SAT verification URL embedded. Customer verification of invoice authenticity.
✅
DIOT Monthly Reporting
Declaración Informativa de Operaciones con Terceros. SAT-compliant export format.