Vehicles
Dealers and distributors of new and used land, air and sea vehicles.
Automate AML compliance across your dealership or automotive group: digital KYC file before vehicle handover, strict Art. 32 cash cap enforcement (3,210 UMA), fleet aggregation and validated Section VIII XML reports.
- Legal basis
- Art. 17, section VIII
- Identification threshold
- 3,210 UMA ($376,565 MXN)
- Reporting threshold
- 6,420 UMA ($753,130 MXN)
- Cash ban (Art. 32)
- 3,210 UMA ($376,565.10 MXN)
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 VIII thresholds (3,210 & 6,420 UMA)
Automatically flags every sale from $376,565.10 MXN (3,210 UMA) for identification and isolates those reaching $753,130.20 MXN (6,420 UMA) or accumulating that amount in 6 months for reporting.
- 02Feature
Strict Article 32 cash ban enforcement
Mexican law prohibits accepting cash or precious metals above 3,210 UMA ($376,565.10 MXN) for vehicles. PLDUnity checks every down payment and settlement on upload.
- 03Feature
Digital buyer KYC file in minutes (paperless F&I)
Send a verification link to the buyer; they upload their ID and tax certificate from their phone, AI extracts the fields, validates RFC/CURP and the file is ready before handing over the keys.
- 04Feature
6-month aggregation for fleets and repeat buyers
If an individual or company buys two $400,000 MXN vehicles within 6 months across your branches, PLDUnity sums both units and triggers the mandatory XML report.
- 05Feature
VIN / serial number, registration and armoring validation
Verifies that every land, marine or aviation transaction includes the technical fields required by the Section VIII XSD schema before generating the XML.
- 06Feature
Automated 8-source screening & 2027 EBR risk engine
Screens buyers and legal representatives against SAT 69-B, OFAC, UN, PEP, FBI and OFSI and retains files, XMLs and acknowledgments for 10 years with SHA-256.
END-TO-END WORKFLOW
How PLDUnity runs end-to-end in your industry
A single connected workflow for new and used vehicle sales, down payments and settlements—without re-keying data between spreadsheets and separate tools.
- 01KYC & Beneficial Owner
Identify every buyer or fleet client
The sales or F&I rep sends a link to the buyer before invoicing the vehicle. The client uploads their ID and tax certificate; AI extracts the fields, validates RFC/CURP and builds the dealership file.
- 02UMA & Art. 32 Engine
Capture, aggregate & check cash caps
Upload sales from your automotive DMS via template or API. PLDUnity validates the VIN/serial number, sums down payments and settlements across 6 months and flags any cash payment above 3,210 UMA ($376,565.10 MXN).
- 037 List Sources + EBR 2027
Watchlist screening & EBR risk grade
Screen buyers and fleet representatives against 7 watchlist sources (SAT 69-B, Unlocated, OFAC, UN, PEP, FBI, OFSI) before vehicle delivery and compute their EBR risk score.
- 04SAT XSD + 10-Yr Vault
Validated XML report & SHA-256 evidence
Generate the Section VIII XML (land, air or sea vehicles) validated against the SAT XSD schema before the 17th, complete with vehicle details and payment instruments.
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.
Deliver vehicles without F&I bottlenecks
Sales teams never delay a vehicle handover waiting for paper copies: the buyer completes their digital KYC file on their phone at the showroom or from home.
From days of spreadsheet work to minutes before the 17th
Nearly every new or late-model used vehicle exceeds the 3,210 UMA identification threshold. PLDUnity automates KYC for 100% of units and isolates those crossing 6,420 UMA (or 2+ vehicles in 6 months) for reporting.
Protection against fines up to 65,000 UMA ($7.6M MXN)
Manage multiple dealerships, brands or pre-owned lots under one automotive group, with branch-level audit logs and inspection-ready packages.
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
Purpose-built validation for automotive, marine and aviation dealers: tracks VIN/registration, armoring level where applicable, accumulated down payments and the strict Art. 32 cash cap.
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 | Accepting partial cash payments at the dealership cashier that, combined with the down payment, breach the Art. 32 cash ban (3,210 UMA). | Immediate alert when uploading or recording cash payments that approach or exceed 3,210 UMA ($376,565.10 MXN). |
| Client KYC & watchlist screening | A buyer purchasing two $400,000 MXN vehicles in the same semester: neither crosses the $753,130 reporting threshold alone, but together they do. | Automatic 6-month aggregation by RFC/CURP across all branches to catch multi-unit purchases that trigger an XML report. |
| 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 Vehicles
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 Vehicles
Essential LFPIORPI obligations, identification criteria, and supervisory rules applicable to this activity.
The compliance reality for new and used car dealerships, marine and aviation brokers
At current vehicle prices in Mexico, virtually every new or late-model used vehicle crosses the 3,210 UMA ($376,565.10 MXN at 2026 UMA) identification threshold—which is also the exact maximum cash limit allowed under Article 32 of the LFPIORPI. SUVs, premium units or buyers acquiring two or more vehicles within six months cross the 6,420 UMA ($753,130.20 MXN) reporting threshold.
When F&I teams collect paper folders and accounting consolidates sales in Excel at month-end, invalid RFCs, mistyped VINs or partial cash payments exceeding the legal cap are often caught too late.
Seamless integration with your showroom and DMS
Your sales advisor sends the verification link when the order or deposit is taken. While invoicing is prepared, PLDUnity validates identity documents, screens 7 watchlist sources and assigns the EBR risk grade. At month-end, import sales from your DMS via Excel template or API and download the XSD-validated Section VIII XML in minutes.
FREQUENTLY ASKED QUESTIONS
Frequently asked questions
Does Section VIII apply equally to pre-owned vehicle lots and new car dealerships?
Yes. Section VIII of Article 17 covers the habitual or professional sale of both new and used land, air and sea vehicles under the exact same 3,210 and 6,420 UMA thresholds.
Are thresholds calculated before or after VAT (IVA) and ISAN?
LFPIORPI thresholds are evaluated on the transaction amount excluding taxes (such as IVA and ISAN), in accordance with statutory rules.
What if a client buys two $420,000 MXN cars in different months within the same semester?
Even though neither car alone reaches 6,420 UMA ($753,130 MXN), both exceed the identification threshold and their 6-month sum ($840,000 MXN) crosses the reporting threshold. PLDUnity tracks that automatically.
Can we manage multiple dealerships or legal entities under one automotive group?
Yes. The Enterprise plan supports up to 5 companies or dealerships in one account, with branch-level permissions and centralized oversight for your Compliance Officer.
What are the exact 2026 MXN thresholds (UMA $117.31) for vehicle dealerships?
Under Section VIII (new or pre-owned land, air, and marine vehicles), using the 2026 UMA of $117.31 MXN, the 3,210 UMA identification threshold and Article 32 strict cash limit both equal $376,565.10 MXN, while the 6,420 UMA monthly XML notice threshold equals $753,130.20 MXN.
How are split payments handled when a buyer combines a trade-in vehicle, auto loan, and wire transfer?
PLDUnity's Annex 8 generator lets you itemize multiple payment instruments on a single sale (SPEI wire, captive/bank financing, check, and trade-in credit/payment in kind) while verifying that any cash portion never exceeds 3,210 UMA ($376,565.10 MXN).
How does it work on the showroom floor without delaying month-end vehicle deliveries?
Sales or cashier staff send the buyer a WhatsApp KYC link or upload documents via Cashier Registration; the 7-watchlist screening runs in seconds and the Compliance Officer approves the file before invoicing and vehicle handover.
30-DAY FREE TRIAL · NO CREDIT CARD
Ready to automate AML compliance for Vehicles?
Start your 30-day free trial with your own transactions or schedule a 30-minute walkthrough with BDUnity's compliance specialists.