CPL Lead Buying for Lenders and Insurers in Mexico

A form fill that reads as eighteen dollars in the platform costs, on the lending and insurance accounts we run in Mexico, between sixty and ninety-five dollars per approved application once duplicates, unreachable numbers and underwriting rejections are stripped out. We buy against the approved number. Partners are still paid per lead, because that is the only thing they control, but each partner's rate is reset fortnightly against their own approval rate, so what survives in the program is what survives your underwriter. What a lead has to survive to be payable: Four gates, in order. Deduplication on hashed CURP or RFC plus phone across a rolling ninety days and across every partner at once, not per partner — cross-partner duplicates are where the money leaks. Reachability, measured as contact made within three attempts inside 48 hours, rather than answered-on-first-dial, which rewards call centre scheduling instead of lead quality. Pre-qualification against the criteria your product actually declines on, asked in the form rather than discovered on the call. Then the underwriting or KYC outcome itself, returned to us as a coded decision. The rejection loop: Reject reasons go back to partners inside 24 hours through the platform API — Affise or TUNE, whichever the program runs on — as codes, not a spreadsheet at month end. A partner who learns on Tuesday that their leads are failing income verification can change the form question by Thursday. A partner who learns it six weeks later has already been paid and has already moved on. This loop is most of what we add, and almost nobody builds it, because it requires your underwriting system to give up its decision codes to an outside party. Consent and the privacy notice: Every partner form carries an aviso de privacidad naming your entity, and consent is captured with timestamp, IP and the exact notice version, stored so a CONDUSEF complaint can be answered with a record rather than an assurance. We audit partner landing pages monthly for notices that have quietly reverted to a network template. A partner running your lead form without your named entity is terminated on discovery. What we refuse: Aged, resold or co-registration data, at any discount and under any description. Comparison properties selling the same applicant to four lenders while calling it exclusive — we buy verified exclusivity, or we buy a lower rate with the resale disclosed, never a claim we cannot check against the dedupe table. Ping-post arrangements where the original source is hidden from us. And we will not design a program around a promise that your team will start calling faster; if the call centre reaches people in nine hours, we buy for a nine-hour follow-up rather than pretending otherwise. Who should not buy this: Products approving under roughly ten percent of applicants. At that level the economics belong to a different channel and partner selection will not rescue them. Lenders who cannot return a decision code per lead within thirty days. And anyone who wants volume this quarter more than they want the approval rate to move, because those two point in opposite directions for the first eight weeks and we will take the second every time. Reporting cadence: Weekly, one page: leads by partner, approval rate, cost per approved application, and which rates we changed and why. Monthly, the cohort view — 90-day funded or issued rate by partner — which is the only number that ends an argument about lead quality.