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Can I Apple Pay Someone In Mexico: A Comprehensive Guide

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Are you wondering if you can use Apple Pay to send money to someone in Mexico? This article, brought to you by gaymexico.net, will provide a clear answer and explore alternative options for secure and convenient money transfers to Mexico, especially helpful for the LGBTQ+ community and those visiting or supporting loved ones there. We’ll guide you through various methods to ensure your transactions are smooth, safe, and reliable.

1. Is Apple Pay Available for Sending Money to Mexico?

Unfortunately, you cannot directly Apple Pay someone in Mexico. While Mexico does support Apple Pay for in-store and in-app purchases at participating merchants, the person-to-person Apple Cash feature, which allows sending and receiving money, is exclusively available in the United States. This limitation means you can’t use your Apple Cash balance or linked cards within Apple Pay to directly transfer funds to someone in Mexico.

2. Why Can’t I Use Apple Pay to Send Money Directly to Mexico?

The primary reason for this limitation lies in the regulatory and financial infrastructure required for international money transfers. Apple Cash, the service that facilitates person-to-person payments within Apple Pay, operates under specific U.S. financial regulations and is managed by Green Dot Bank, a member of the FDIC.

  • Regulatory Compliance: International money transfers involve compliance with various financial regulations in both the sender’s and recipient’s countries. Apple needs to navigate these complex regulations, which differ from country to country.
  • Financial Infrastructure: The existing financial infrastructure must support these transactions. This includes partnerships with local banks and payment processors in the recipient country to ensure seamless transfers.
  • Risk Management: International transfers carry higher risks of fraud and money laundering. Financial institutions must implement robust security measures and compliance protocols to mitigate these risks, increasing operational costs.

3. What are the Best Alternatives to Apple Pay for Sending Money to Mexico?

Since Apple Pay isn’t an option for direct transfers to Mexico, several reliable alternatives are available. These options vary in terms of fees, transfer speeds, and convenience. Here are some of the most popular and effective methods:

Service Transfer Speed Fees Convenience
Wise Often within 24 hours Low, transparent fees Online, user-friendly interface
Remitly Minutes to a few hours Varies by amount Mobile app, easy to use
Xoom (PayPal) Minutes to a few hours Varies by amount Integrated with PayPal
WorldRemit Minutes to 1-2 business days Varies by amount Mobile app, global reach
MoneyGram Minutes Higher fees Extensive agent network

4. How to Use Wise (formerly TransferWise) for Sending Money to Mexico

Wise is known for its transparent fees and competitive exchange rates. Here’s how to use it to send money to Mexico:

  1. Create an Account: Sign up for a free account on the Wise website or through their mobile app.
  2. Enter Transfer Details: Specify the amount you want to send and the recipient’s currency (Mexican pesos).
  3. Provide Recipient Information: Enter the recipient’s full name, address, and bank account details (CLABE number).
  4. Choose Payment Method: Select how you want to pay for the transfer (bank transfer, debit card, or credit card).
  5. Review and Confirm: Review all the details and confirm the transfer. Wise will provide an estimated delivery time.

5. Why is Wise a Good Option for the LGBTQ+ Community Sending Money to Mexico?

Wise offers several advantages that make it a great option for the LGBTQ+ community and others sending money to Mexico:

  • Transparency: Wise is transparent about its fees, so you know exactly how much you’re paying.
  • Competitive Exchange Rates: Wise uses the real exchange rate (the mid-market rate), without hidden markups.
  • Ease of Use: The platform is user-friendly, making it simple to send money online or via their mobile app.
  • Speed: Transfers are often completed within 24 hours, ensuring your recipient gets the money quickly.

6. Using Remitly to Send Money to Mexico

Remitly is another popular service that offers fast and reliable money transfers to Mexico. Here’s how to use it:

  1. Sign Up: Create an account on the Remitly website or mobile app.
  2. Enter Amount and Delivery Method: Specify the amount you want to send and choose a delivery method (bank deposit, cash pickup, or mobile money).
  3. Provide Recipient Details: Enter the recipient’s full name, address, and bank account details if sending to a bank account.
  4. Choose Payment Method: Select how you want to pay for the transfer (bank account, debit card, or credit card).
  5. Review and Send: Review the details and send the money. Remitly will provide a tracking number to monitor the transfer.

7. Benefits of Remitly for Sending Money to Mexico

  • Speed: Remitly offers fast transfer options, with some deliveries completed in minutes.
  • Multiple Delivery Options: Recipients can receive money via bank deposit, cash pickup at various locations, or mobile money.
  • User-Friendly App: The Remitly mobile app is easy to use and allows you to track your transfers.
  • Promotional Offers: Remitly often provides promotional offers for first-time users, reducing transfer fees.

8. How Does Xoom (PayPal) Work for Sending Money to Mexico?

Xoom, a PayPal service, is a convenient option if you already have a PayPal account. Here’s how to use it:

  1. Log in to PayPal: Log in to your PayPal account and select the Xoom option.
  2. Enter Amount and Recipient Details: Specify the amount you want to send and the recipient’s name, address, and bank account details.
  3. Choose Delivery Method: Select how the recipient will receive the money (bank deposit, cash pickup, or debit card deposit).
  4. Payment Method: Choose your payment method (PayPal balance, bank account, or credit/debit card).
  5. Review and Send: Review the details and send the money. Xoom will provide a tracking number.

9. Advantages of Using Xoom (PayPal) for Money Transfers to Mexico

  • Integration with PayPal: If you already use PayPal, Xoom is a seamless option.
  • Multiple Delivery Options: Xoom offers various delivery methods, including bank deposit and cash pickup.
  • Speed: Transfers are often completed within minutes.
  • Reliability: Xoom is backed by PayPal’s reputation for security and reliability.

10. Using WorldRemit for Transfers to Mexico

WorldRemit is another global money transfer service that offers competitive rates and various delivery options. Here’s how to use it:

  1. Create an Account: Sign up on the WorldRemit website or mobile app.
  2. Enter Transfer Details: Specify the amount you want to send and the recipient’s country (Mexico).
  3. Provide Recipient Information: Enter the recipient’s full name, address, and bank account details if sending to a bank account.
  4. Choose Payment Method: Select how you want to pay (bank transfer, debit card, or credit card).
  5. Review and Send: Review the details and send the money. WorldRemit will provide a tracking number.

11. Why Choose WorldRemit for Sending Money to Mexico?

  • Global Reach: WorldRemit operates in many countries, making it a versatile option.
  • Multiple Delivery Options: Recipients can receive money via bank deposit, cash pickup, or mobile money.
  • Competitive Rates: WorldRemit offers competitive exchange rates and transparent fees.
  • User-Friendly Platform: The website and mobile app are easy to navigate.

12. Sending Money to Mexico with MoneyGram

MoneyGram is a well-established money transfer service with an extensive network of agent locations. Here’s how to use it:

  1. Visit an Agent Location: Find a MoneyGram agent location near you.
  2. Provide Transfer Details: Tell the agent the amount you want to send and the recipient’s name and location in Mexico.
  3. Payment: Pay for the transfer with cash or a debit card.
  4. Share Reference Number: The agent will provide a reference number. Share this with the recipient.
  5. Recipient Pickup: The recipient can pick up the money at a MoneyGram agent location in Mexico by providing the reference number and identification.

13. Benefits of Using MoneyGram for Sending Money to Mexico

  • Extensive Network: MoneyGram has a vast network of agent locations, making it accessible in many areas.
  • Cash Transfers: It allows for cash transfers, which can be useful if the recipient doesn’t have a bank account.
  • Speed: Transfers are often available for pickup within minutes.

14. Legal and Regulatory Considerations for Sending Money to Mexico

When sending money to Mexico, it’s important to be aware of the legal and regulatory requirements:

  • Reporting Requirements: Transfers above a certain amount (typically $10,000 USD) may need to be reported to the IRS.
  • Anti-Money Laundering (AML) Compliance: Money transfer services must comply with AML regulations to prevent illicit activities.
  • Tax Implications: Depending on the amount and purpose of the transfer, there may be tax implications for both the sender and recipient.

15. Understanding Exchange Rates and Fees When Sending Money to Mexico

Exchange rates and fees can significantly impact the total cost of sending money. Here are some tips to keep in mind:

  • Compare Exchange Rates: Check the exchange rates offered by different services. Look for the mid-market rate, which is the real exchange rate without markups.
  • Understand Fees: Be aware of all fees charged by the service, including transfer fees and any additional charges.
  • Consider Hidden Fees: Some services may add hidden fees to the exchange rate, so compare the total cost carefully.

16. Tips for LGBTQ+ Travelers Sending Money to Friends and Family in Mexico

For LGBTQ+ travelers, sending money to friends and family in Mexico can be a way to support loved ones or contribute to local communities. Here are some tips:

  • Use Secure Services: Choose reputable money transfer services with strong security measures to protect your financial information.
  • Support LGBTQ+-Friendly Businesses: Consider using services that support LGBTQ+ rights and inclusion.
  • Stay Informed: Keep up-to-date on any changes in regulations or fees related to international money transfers.

17. Cultural Considerations When Sending Money to Mexico

Understanding cultural nuances can enhance your interactions when sending money to Mexico:

  • Personal Relationships: Money transfers are often tied to personal relationships and family obligations.
  • Respect and Trust: Building trust with the recipient is important. Ensure they feel respected throughout the process.
  • Timing: Consider the timing of the transfer, especially around holidays or special occasions.

18. How to Ensure the Safety and Security of Your Money Transfers to Mexico

Protecting your financial information is crucial when sending money. Here are some steps to ensure the safety and security of your transfers:

  • Use Strong Passwords: Create strong, unique passwords for your money transfer accounts.
  • Enable Two-Factor Authentication: Use two-factor authentication for added security.
  • Verify Recipient Details: Double-check the recipient’s name, address, and bank account details before sending money.
  • Monitor Transactions: Regularly monitor your account for any unauthorized transactions.

19. Mobile Payment Options Available in Mexico

While Apple Pay’s person-to-person feature isn’t available, Mexico has other mobile payment options:

  • CoDi (Cobro Digital): A mobile payment platform developed by the Bank of Mexico.
  • Mercado Pago: A popular e-wallet and payment platform used throughout Latin America.
  • Other Local Apps: Various local apps facilitate mobile payments and transfers.

20. How Can gaymexico.net Help LGBTQ+ Individuals Stay Connected with Mexico?

gaymexico.net serves as a vital resource for LGBTQ+ individuals seeking to connect with Mexico, offering:

  • Travel Guides: Detailed guides to LGBTQ+-friendly destinations in Mexico, including Puerto Vallarta, Mexico City, and Cancun.
  • Event Listings: Information on LGBTQ+ events, festivals, and celebrations in Mexico.
  • Community Resources: A directory of LGBTQ+ organizations and support groups in Mexico.
  • Cultural Insights: Articles and stories about LGBTQ+ culture and history in Mexico.

21. Understanding the LGBTQ+ Landscape in Mexico

Mexico has made significant strides in LGBTQ+ rights, including legalizing same-sex marriage in all states. However, societal attitudes can vary, and it’s important to be aware of local customs and norms. Resources like gaymexico.net can provide valuable insights.

22. The Role of Remittances in the Mexican Economy

Remittances, or money sent home by migrant workers, play a significant role in the Mexican economy. According to the World Bank, Mexico is one of the largest recipients of remittances globally. These funds often support families and communities, contributing to economic development.

23. What are the Fees for Sending Money to Mexico?

The fees for sending money to Mexico vary depending on the service you use and the amount you send. Here is a general overview:

  • Wise: Typically offers low, transparent fees, often around 0.5% to 1% of the transfer amount.
  • Remitly: Fees vary based on the amount and delivery speed, but can range from $2 to $20 per transfer.
  • Xoom (PayPal): Fees vary based on the payment method and delivery option, but can be higher than other services.
  • WorldRemit: Fees are competitive and vary depending on the amount and destination.
  • MoneyGram: Fees are typically higher than online services, especially for smaller amounts.

24. Which is the Cheapest Way to Send Money to Mexico?

The cheapest way to send money to Mexico often depends on the specific amount and your preferred payment method. Generally, online services like Wise and Remitly offer lower fees and better exchange rates compared to traditional options like MoneyGram or bank transfers. Always compare the total cost, including fees and exchange rates, before making a decision.

25. How Long Does It Take for Money to Arrive in Mexico?

The time it takes for money to arrive in Mexico varies depending on the service you use:

  • Wise: Often delivers within 24 hours.
  • Remitly: Offers options for delivery in minutes to a few hours.
  • Xoom (PayPal): Typically delivers within minutes.
  • WorldRemit: Transfers can take minutes to 1-2 business days.
  • MoneyGram: Funds are often available for pickup within minutes.

26. What Information Do I Need to Send Money to Mexico?

To send money to Mexico, you typically need the following information:

  • Recipient’s Full Name: Ensure the name matches their official identification.
  • Recipient’s Address: Including street address, city, and state.
  • Bank Account Details (if sending to a bank account): This includes the bank name, account number, and CLABE number (Clave Bancaria Estandarizada), which is an 18-digit bank code used in Mexico.
  • Recipient’s Phone Number: For notifications and verification purposes.

27. Can I Send Money to Mexico Online?

Yes, you can easily send money to Mexico online using various money transfer services like Wise, Remitly, Xoom, and WorldRemit. These services offer convenient and secure platforms for sending money from your computer or mobile device.

28. Is It Safe to Send Money to Mexico?

Yes, it is generally safe to send money to Mexico, as long as you use reputable and secure money transfer services. Look for services that use encryption, two-factor authentication, and comply with international financial regulations. Always verify the recipient’s details and monitor your transactions for any unauthorized activity.

29. What are the Best Cities in Mexico for LGBTQ+ Travelers?

Mexico offers many welcoming and vibrant cities for LGBTQ+ travelers. Some of the most popular include:

  • Puerto Vallarta: Known as Mexico’s gay beach capital, offering a thriving LGBTQ+ scene.
  • Mexico City: A cosmopolitan city with a diverse culture and many LGBTQ+-friendly establishments.
  • Guadalajara: A historic city with a growing LGBTQ+ community.
  • Cancun: A popular tourist destination with a welcoming attitude towards LGBTQ+ visitors.

30. Finding LGBTQ+ Friendly Accommodations in Mexico

Finding safe and welcoming accommodations is key for LGBTQ+ travelers. Here’s how to find LGBTQ+-friendly hotels and rentals in Mexico:

  • Research Online: Use websites like gaymexico.net, misterb&b, and Travel Gay to find LGBTQ+-friendly accommodations.
  • Read Reviews: Look for reviews from other LGBTQ+ travelers to get insights into the atmosphere and inclusivity of the property.
  • Contact the Hotel Directly: Reach out to the hotel to inquire about their LGBTQ+ policies and services.

31. What are Some LGBTQ+ Events and Festivals in Mexico?

Mexico hosts numerous LGBTQ+ events and festivals throughout the year, including:

  • Puerto Vallarta Pride: A large-scale celebration with parades, parties, and cultural events.
  • Mexico City Pride: One of the largest Pride celebrations in Latin America.
  • Guadalajara Pride: A vibrant and growing Pride celebration.
  • Arena Festival (Puerto Vallarta): A popular electronic music festival catering to the LGBTQ+ community.

32. How Can I Connect with the LGBTQ+ Community in Mexico?

Connecting with the local LGBTQ+ community can enhance your travel experience. Here are some ways to connect:

  • Attend Local Events: Participate in LGBTQ+ events and gatherings to meet locals.
  • Visit LGBTQ+ Bars and Clubs: Explore the local LGBTQ+ nightlife scene.
  • Join Online Groups: Connect with LGBTQ+ groups and forums on social media.
  • Use Dating Apps: Dating apps can be a way to meet locals and other travelers.

33. Is There a Limit to How Much Money I Can Send to Mexico?

Yes, there may be limits to how much money you can send to Mexico, depending on the service you use and the regulations in both countries. Generally, transfers exceeding $10,000 USD may require additional reporting to the IRS. It’s essential to check the specific limits and requirements of the money transfer service you choose.

34. What is CLABE and Why Do I Need It?

CLABE (Clave Bancaria Estandarizada) is a standardized bank code used in Mexico. It is an 18-digit number that uniquely identifies a bank account. You need the recipient’s CLABE number to send money directly to their bank account in Mexico.

35. Can I Send Money to a Debit Card in Mexico?

Yes, some money transfer services, like Xoom and Remitly, allow you to send money directly to a debit card in Mexico. This can be a convenient option if the recipient doesn’t have a bank account.

36. What Happens If the Recipient Doesn’t Pick Up the Money in Mexico?

If the recipient doesn’t pick up the money within a certain timeframe (usually a few days to a few weeks), the funds will typically be returned to the sender. The exact process and timeframe may vary depending on the money transfer service.

37. Can I Cancel a Money Transfer to Mexico?

Whether you can cancel a money transfer to Mexico depends on the service you use and the status of the transfer. If the funds have not yet been received or processed, you may be able to cancel the transfer and receive a refund. Contact the money transfer service as soon as possible to inquire about cancellation options.

38. What Should I Do If I Suspect Fraud When Sending Money to Mexico?

If you suspect fraud when sending money to Mexico, take the following steps:

  • Contact the Money Transfer Service: Notify the service immediately to report the suspected fraud.
  • File a Police Report: File a report with your local police department.
  • Contact Your Bank: Notify your bank or credit card company if you used your account to make the transfer.
  • Monitor Your Accounts: Keep a close eye on your financial accounts for any unauthorized activity.

39. Understanding the Impact of Exchange Rates on Your Money Transfer

Exchange rates can significantly impact the amount of money your recipient receives. Here’s what to consider:

  • Monitor Exchange Rates: Keep an eye on the exchange rate between your currency and the Mexican peso.
  • Transfer at Favorable Rates: Try to transfer money when the exchange rate is favorable to maximize the amount your recipient receives.
  • Consider Fixed Exchange Rates: Some services offer fixed exchange rates, which can protect you from fluctuations during the transfer process.

40. Staying Safe While Traveling in Mexico as an LGBTQ+ Individual

While Mexico has made progress in LGBTQ+ rights, it’s essential to stay safe and be aware of your surroundings. Here are some tips:

  • Research Local Laws and Customs: Understand the local laws and customs related to LGBTQ+ rights.
  • Be Mindful of Public Displays of Affection: While same-sex relationships are legal, public displays of affection may not be widely accepted in all areas.
  • Trust Your Instincts: If you feel uncomfortable or unsafe, remove yourself from the situation.
  • Utilize LGBTQ+ Resources: Take advantage of resources like gaymexico.net to find LGBTQ+-friendly establishments and information.

41. The Future of Mobile Payments in Mexico

Mobile payments are becoming increasingly popular in Mexico, driven by the growth of smartphone usage and e-commerce. While Apple Pay’s person-to-person feature is not yet available, the adoption of other mobile payment platforms like CoDi and Mercado Pago is expected to continue to rise. This trend could pave the way for Apple Pay to expand its services in the future.

42. Alternatives to Traditional Banking for Sending Money

Traditional banking is not the only route to send money. Consider these alternatives:

  • Credit Unions: Often offer lower fees and better exchange rates than traditional banks.
  • Online Money Transfer Services: Services like Wise, Remitly, and WorldRemit specialize in international money transfers and offer competitive rates.
  • Peer-to-Peer Lending Platforms: Some platforms allow you to lend money directly to individuals in Mexico, cutting out the middleman.

43. Financial Planning Tips for Sending Money Regularly

If you send money to Mexico regularly, consider these financial planning tips:

  • Create a Budget: Set a budget for your remittances to ensure you can afford to send money without straining your finances.
  • Automate Transfers: Set up recurring transfers to ensure your loved ones receive money on time.
  • Take Advantage of Discounts: Look for promotional offers or discounts from money transfer services.

44. How to Track Your Money Transfer to Mexico

Most money transfer services provide a tracking number that allows you to monitor the status of your transfer. You can use this number to track your transfer online or through the service’s mobile app. This helps you stay informed and provides peace of mind.

45. How the Political and Economic Climate in Mexico Can Affect Your Money Transfers

Political and economic factors in Mexico can impact exchange rates and money transfer regulations. Stay informed about these factors to make informed decisions about when and how to send money.

  • Monitor Economic News: Keep up-to-date on economic news and indicators in Mexico.
  • Be Aware of Political Changes: Political changes can impact financial regulations and exchange rates.
  • Consult Financial Experts: If you have concerns, consult with a financial advisor.

46. Additional Resources for LGBTQ+ Travelers in Mexico

Here are some additional resources for LGBTQ+ travelers in Mexico:

  • gaymexico.net: A comprehensive guide to LGBTQ+ travel in Mexico.
  • Travel Gay: A website with LGBTQ+ travel guides and resources.
  • Equaldex: A collaborative knowledge base on LGBTQ+ rights worldwide.
  • Human Rights Watch: Reports on LGBTQ+ rights and issues around the world.
  • Address: 3255 Wilshire Blvd, Los Angeles, CA 90010, United States.
  • Phone: +1 (213) 380-2177.
  • Website: gaymexico.net.

47. Exploring Cultural Experiences in Mexico’s LGBTQ+ Scene

Immerse yourself in Mexico’s vibrant LGBTQ+ scene by exploring cultural experiences:

  • Attend Local Art Exhibits: Discover LGBTQ+ artists and their work.
  • Visit Historic Sites: Learn about the history of LGBTQ+ individuals in Mexico.
  • Participate in Traditional Celebrations: Experience Mexican culture through festivals and celebrations.

48. Addressing Concerns About Safety and Discrimination in Mexico

While Mexico is generally welcoming, some concerns about safety and discrimination persist. Here’s how to address them:

  • Stay Informed: Keep up-to-date on any reports of discrimination or violence.
  • Report Incidents: Report any incidents of discrimination to the appropriate authorities.
  • Support LGBTQ+ Organizations: Support organizations working to promote LGBTQ+ rights and safety.

49. Overcoming Language Barriers When Sending Money

Language barriers can make it difficult to send money. Here’s how to overcome them:

  • Use Translation Tools: Utilize online translation tools to communicate with money transfer services.
  • Seek Assistance from Bilingual Staff: Ask for assistance from bilingual staff at money transfer locations.
  • Learn Basic Spanish Phrases: Learning basic Spanish phrases can help you navigate the process.

50. Planning Your Trip to Mexico with LGBTQ+ Considerations

Here are some additional considerations for planning your trip:

  • Research Destinations: Explore LGBTQ+-friendly destinations in Mexico.
  • Pack Appropriately: Pack clothing and accessories that reflect your identity and make you feel comfortable.
  • Be Prepared for Questions: Be prepared to answer questions about your identity and relationship.

FAQ: Frequently Asked Questions About Apple Pay and Sending Money to Mexico

1. Can I Use Apple Pay to Send Money to Mexico?
No, you cannot use Apple Pay to send money directly to someone in Mexico. The person-to-person Apple Cash feature is only available in the United States.

2. What are the Best Alternatives to Apple Pay for Sending Money to Mexico?
Popular alternatives include Wise, Remitly, Xoom (PayPal), WorldRemit, and MoneyGram.

3. How Do I Send Money to a Bank Account in Mexico?
You can use services like Wise, Remitly, or Xoom to send money directly to a bank account in Mexico. You will need the recipient’s full name, address, bank name, account number, and CLABE number.

4. Is It Safe to Send Money to Mexico Online?
Yes, it is generally safe, as long as you use reputable and secure money transfer services.

5. What is CLABE and Why Do I Need It?
CLABE (Clave Bancaria Estandarizada) is an 18-digit bank code used in Mexico. You need the recipient’s CLABE number to send money directly to their bank account.

6. How Much Does It Cost to Send Money to Mexico?
The cost varies depending on the service you use, the amount you send, and the payment method. Compare fees and exchange rates to find the cheapest option.

7. How Long Does It Take for Money to Arrive in Mexico?
Delivery times vary, but online services like Wise and Remitly often deliver within 24 hours.

8. Can I Send Money to a Debit Card in Mexico?
Yes, some services, like Xoom and Remitly, allow you to send money directly to a debit card in Mexico.

9. What Happens If the Recipient Doesn’t Pick Up the Money?
If the recipient doesn’t pick up the money, the funds will typically be returned to the sender.

10. Are There Limits to How Much Money I Can Send to Mexico?
Yes, transfers exceeding $10,000 USD may require additional reporting to the IRS.

While Apple Pay isn’t an option for sending money to Mexico, numerous safe and convenient alternatives are available. Explore gaymexico.net for more information on LGBTQ+ travel in Mexico, and discover the vibrant culture and welcoming community that awaits you. Find detailed travel guides, event listings, and valuable community resources to make your trip unforgettable. Visit gaymexico.net today and start planning your adventure LGBTQ travel, international money transfers, remittance services, and Mexican culture.

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