Donations
Authorized charities, foundations and non-profit organizations.
Clear, accessible AML compliance for non-profits: automatic aggregation of one-time and recurring gifts per donor, identification from 1,605 UMA, SAT 69-B and PEP screening, and validated Section XIII XML reports.
- Legal basis
- Art. 17, section XIII
- Identification threshold
- 1,605 UMA ($188,282 MXN)
- Reporting threshold
- 3,210 UMA ($376,565 MXN)
- Contribution monitoring (Sect. XIII)
- 6-month accumulation per donor
INTERACTIVE REGULATORY COCKPIT
Simulate AML Compliance for Your Industry
Calculated in real-time with official 2026 UMA ($117.31 MXN), Art. 17 notification thresholds and Art. 32 cash restrictions.
Art. 17 LFPIORPI
Identification on all operations; SAT XML report at 8,025 UMA and strict Art. 32 cash cap.
8,025 UMA ($941,412 MXN)
Identification threshold: Always (every deed/contract)
8,025 UMA ($941,412 MXN)
Exceeding this limit in cash constitutes a serious sanction under Art. 53.
Anexo 5
Cumulative 6-month threshold monitoring per client
CAPABILITIES FOR YOUR INDUSTRY
How PLDUnity helps
- 01Feature
Section XIII thresholds (1,605 & 3,210 UMA)
Automatically tracks when an individual or corporate donor reaches $188,282.55 MXN (1,605 UMA) for identification and $376,565.10 MXN (3,210 UMA) for SAT reporting.
- 02Feature
Automatic aggregation of recurring and direct-debit gifts
Import monthly charges from your payment gateway or CRM: PLDUnity sums gifts from the same donor across 6-month windows to detect when thresholds are crossed.
- 03Feature
Donor-friendly digital KYC portal for individuals and sponsors
When a donor reaches the identification threshold, collect their ID or corporate file through a clean, fast link without creating friction for your fundraising team.
- 04Feature
Reputational protection: SAT 69-B, PEP and OFAC screening
Screens donors individually or in batches against 7 official watchlist sources to prevent accepting funds from SAT 69-B listed shell companies or sanctioned individuals.
- 05Feature
2027 EBR risk matrix & read-only access for board/auditors
Meets the mandatory 2027 Risk-Based Assessment rules and grants expiring read-only access to your external auditor or audit committee.
- 06Feature
Section XIII XML report or one-click nil filing
Generates the SAT XSD-validated XML before the 17th (or a nil report in months with no gifts above 3,210 UMA) and retains acknowledgments for 10 years.
END-TO-END WORKFLOW
How PLDUnity runs end-to-end in your industry
A single connected workflow for one-time gifts, recurring donations, fundraising campaigns and in-kind gifts—without re-keying data between spreadsheets and separate tools.
- 01KYC & Beneficial Owner
Identify every donor, benefactor or corporate sponsor
When an individual or corporate donor reaches 1,605 UMA ($188,282.55 MXN)—in a single gift or across recurring contributions—send a friendly link to complete their KYC file without slowing down fundraising.
- 02UMA & Art. 32 Engine
Capture, aggregate & check cash caps
Import donations from your fundraising CRM, payment gateway or bank statements. PLDUnity sums recurring or direct-debit gifts per donor across 6-month windows to detect when they cross 1,605 and 3,210 UMA.
- 037 List Sources + EBR 2027
Watchlist screening & EBR risk grade
Protect your non-profit's standing by screening donors individually or in batches against 7 official sources (SAT 69-B, Unlocated, PEP, OFAC, UN, FBI, OFSI) and calculating their EBR risk score.
- 04SAT XSD + 10-Yr Vault
Validated XML report & SHA-256 evidence
Generate the Section XIII XML before the 17th (or a one-click nil report in months without reportable gifts), retaining acknowledgments and files for 10 years.
MEASURABLE IMPACT
Tangible value for every area of your company
PLDUnity removes friction from commercial operations while giving your Compliance Officer and Board verifiable certainty.
Smooth, transparent fundraising
Your development team never loses major gifts to red tape: donors and corporate foundations upload their documents through a clean, secure portal.
From days of spreadsheet work to minutes before the 17th
The Section XIII AML report is separate from authorized charity tax transparency filings. PLDUnity handles the AML obligation without burdening your accounting team.
Protection against fines up to 65,000 UMA ($7.6M MXN)
Give your board of trustees and external auditors certainty that no funds come from sanctioned parties or SAT 69-B listed entities.
WHY CHOOSE PLDUNITY
The PLDUnity differentiator
Built in Mexico by BDUnity®, an AML compliance consultancy advising reporting entities since 2012.
Tailored to your exact Article 17 fraction
Tailored for non-profits, foundations and authorized charities: straightforward for lean teams and equipped with read-only access for external auditors and trustees.
Software with real consultants behind it
Created by BDUnity® (active since 2012). Every validation rule, annex checklist and audit package reflects real SAT inspections—not generic template software.
AI that accelerates, an Officer who decides
AI reads IDs, tax certificates and custom Excel columns in seconds, but every critical match, risk methodology and XML filing is confirmed by your Compliance Officer.
Google Cloud isolation & SHA-256 fingerprints
Each company runs isolated with TOTP 2FA, role-based segregation of duties, a server-only audit log and SHA-256 hashes on every XML, acknowledgment and 10-year export.
BEFORE & AFTER
Manual spreadsheets vs. PLDUnity in your industry
Why reporting entities replace disconnected folders and generic tools with a purpose-built LFPIORPI platform.
| Compliance dimension | Spreadsheets & disconnected tools | With PLDUnity® in your industry |
|---|---|---|
| 6-month UMA aggregation & thresholds | Recurring monthly donors giving $35,000 MXN who reach $210,000 MXN over 6 months (crossing the 1,605 UMA ID threshold) without anyone noticing. | Automatic aggregation of recurring and direct-debit donations by RFC/name across 6-month windows, alerting your team in time to collect KYC. |
| Client KYC & watchlist screening | Reputational and legal risk to the board from accepting funds from a SAT 69-B listed company or an unvetted Politically Exposed Person (PEP). | Per-donor and batch screening against 7 list sources (SAT 69-B, Unlocated, PEP, OFAC, UN, FBI, OFSI) with documented resolution logs for the board. |
| Monthly SAT XML preparation | Manual XML capture prone to schema errors, malformed RFCs/CURPs and last-minute rejections on the 17th. | Pre-validated against the official SAT XSD schema for your activity, plus one-click nil reports and linked acknowledgments. |
| 2027 Risk-Based Assessment (EBR) | Static Word document without individual client risk recalculation or historical audit trail. | Four-factor EBR engine with capped mitigants that recalculates every client's risk grade on the 2nd of each month. |
| SAT / UIF inspection readiness | Weeks spent gathering scattered PDFs, emails and acknowledgments across former employees' computers. | One-click audit package with server-written logs, SHA-256 integrity hashes and expiring read-only access for external auditors. |
ALL-IN-ONE PLATFORM
All 8 platform modules working together for Donations
Your subscription includes the complete AML compliance suite—no hidden add-ons per module.
Transaction Upload (Excel, AI & API)
Validate every record against SAT catalogs with idempotency and 6-month accumulation.
UMA Threshold Monitoring
Automatic tracking of identification, reporting and Art. 32 cash caps in current UMA.
Digital Customer Files & Remote KYC
Remote link or QR with AI document reading (OCR), AI-assisted face match, and liveness test.
7-Source Watchlist Screening
UN, OFAC (SDN & consolidated), UK (OFSI), FBI, SAT 69-B, Non-Located & PEP queried per client, in batches, or manually.
2027 Risk-Based Assessment (EBR)
Four-factor risk methodology and per-client risk grade recalculated every month.
24-Hour Unusual Transactions
Automated case clock, red-flag analysis and documented Compliance Officer decisions.
SAT XML Generator (19 XSDs)
Pre-validated XML for your exact Article 17 fraction, one-click nil reports and acknowledgments.
10-Year SHA-256 Audit & Training
Immutable server log, 16-obligation self-assessment, AML courses and portable audit packages.
REGULATORY & OPERATIONAL GUIDE
Compliance Guidelines for Donations
Essential LFPIORPI obligations, identification criteria, and supervisory rules applicable to this activity.
The AML obligation for non-profit associations and foundations in Mexico
Receiving donations by non-profit organizations (Article 17, Section XIII) is a standalone vulnerable activity separate from authorized charity tax transparency filings. Whenever a single gift—or the 6-month sum of gifts from the same individual or legal entity—reaches 1,605 UMA ($188,282.55 MXN at 2026 UMA), a KYC file must be assembled, and at 3,210 UMA ($376,565.10 MXN) an XML report must be filed on the SAT SPPLD portal.
The most common pitfall for foundations involves recurring monthly donors or corporate sponsors whose moderate contributions cross the 6-month cumulative threshold without the administrative team noticing in time.
Peace of mind for your board without overwhelming a lean team
PLDUnity automates 6-month per-donor aggregation from your donation records, runs per-client and batch screening against SAT 69-B, PEP, OFAC and UN watchlists, and keeps monthly XML filings and 10-year SHA-256 audit packages ready at all times.
FREQUENTLY ASKED QUESTIONS
Frequently asked questions
Does the annual tax transparency report replace the Section XIII AML report?
No. They are two separate legal obligations: the transparency filing is a tax requirement, whereas the Section XIII report is mandated by Mexico's AML law (LFPIORPI) and is due by the 17th of the following month.
How are recurring monthly credit-card or direct-debit donations handled?
They are uploaded into the platform and summed per donor over rolling 6-month windows. If a benefactor donates $35,000 MXN per month, by month six they reach $210,000 MXN and PLDUnity alerts you to collect their KYC file (1,605 UMA).
Do in-kind donations count toward the thresholds?
Yes. The appraised value of in-kind donated goods is logged and evaluated against the 1,605 and 3,210 UMA thresholds.
What do we file in months when no donor reaches 3,210 UMA?
File a one-click nil report (no reportable transactions) from the platform and store the official SAT acknowledgment in the vault.
What are the exact 2026 MXN thresholds (UMA $117.31) for nonprofits and foundations?
Under Section XIII (receipt of donations by nonprofit associations and societies), using the 2026 UMA of $117.31 MXN, you must collect a full KYC file starting at 1,605 UMA ($188,282.55 MXN) and file a monthly SAT XML notice starting at 3,210 UMA ($376,565.10 MXN), whether in a single donation or accumulated over 6 months.
How do we document the Beneficial Owner when a donor is a corporation or international foundation?
The KYC Vault tailors document checklists for domestic or foreign corporate donors and trusts, capturing the 25% Beneficial Owner declaration and screening both the entity and its controlling individuals across all 7 watchlists (including OFAC, UN, and SAT 69-B).
How does daily watchlist screening protect our authorized donee status?
Accepting funds from an entity on the SAT 69-B tax-fraud list, or OFAC sanctions jeopardizes your tax-exempt status and triggers urgent reporting obligations. PLDUnity screens donors prior to receipt issuance and supports batch screening across your roster.
30-DAY FREE TRIAL · NO CREDIT CARD
Ready to automate AML compliance for Donations?
Start your 30-day free trial with your own transactions or schedule a 30-minute walkthrough with BDUnity's compliance specialists.