What is NoveraPLD?
NoveraPLD is support software for managing LFPIORPI compliance. It centralizes information on clients, beneficial owners, client files and transactions, tracks obligations and produces the information needed for the corresponding reports.
Meet NoveraPLD
A short tour of the platform: how a client is registered, how reportable transactions are detected and how the report to the SAT is produced.
Registration in the Vulnerable Activities Portal
Keeps track of your company's registration inside the official portal.
Reports filed with the SAT
Manage and review the reports you have filed, organized and easy to find.
Client files
Centralize client documents and information in secure digital files that are easy to review.
Contracts and transactions
Keep an orderly record of contracts, transactions and movements for each client.
Internal controls and policies
Document and manage internal policies to strengthen your administrative processes.
Alerts and obligation tracking
Get reminders and follow-up on key activities to keep your processes up to date.
Built for anyone carrying out a vulnerable activity
NoveraPLD is built for the regulated parties listed in article 17 of the LFPIORPI, who must answer to the SAT and to Mexico's Financial Intelligence Unit. If your company is registered in the vulnerable activities registry, this applies to you.
Real estate firms, brokers and subdividers
Buying, selling and brokering the transfer of real property. Article 17, Section V.
Real estate developers
Receiving funds or contributions for a development project. Section V Bis, added by the reform published in the Federal Official Gazette on July 16, 2025.
Landlords
Granting temporary use or enjoyment rights over real property. Article 17, Section XV.
Firms and professional services
Independent professional services carried out in the name and on behalf of the client. Article 17, Section XI.
What the law requires today
It is not just filing one report a month. The current regime involves, among other obligations:
Identify and retain
Identify the client and the beneficial owner, and keep the file for five years.
Watch the thresholds
For buying, selling and brokering real property, identification applies to every transaction regardless of amount, and reporting starts at 8,025 UMAs: 941,412.75 pesos using the 2026 UMA. For leasing, identification starts at 1,605 UMAs and reporting at 3,210 UMAs.
Accumulate over six months
Add up split transactions from the same client within a six-month window, so the threshold cannot be avoided by breaking up the transaction.
File by the 17th
Submit the report no later than the 17th of the following month, in the official XML format for each section, through the SAT portal.
Check the lists
Screen against politically exposed person lists and sanctions lists, and keep evidence of that screening.
Zero reports
File the report even when there were no reportable transactions in the period.
Manual and training
Keep a policy manual, a compliance officer and training records, ready to show during an inspection.
Penalties for failing to file, or filing late, are calculated in UMAs and, in the most serious cases, can lead to cancellation of your registration. This page is informational and does not replace professional advice.
What NoveraPLD
Single client file
Register individuals and companies with the data the SAT instructions require: ID, CURP, tax ID, address, activity and beneficial owner. Documents stay in the same file, ready for review.
Detection of reportable transactions
The system checks every transaction against the current threshold for your section and tells you which ones require identification, which require a report and which become reportable through accumulation. The UMA table updates every February 1 on its own.
XML report generation
NoveraPLD builds the file with the structure required for your section, validates it before submission and stores the acknowledgment. No more entering the same transaction twice.
CFDI download from the SAT
With your e.firma, the system downloads your issued and received invoices and turns them into candidate transactions, applying the rules you define.
PEP and sanctions lists
Screen clients and beneficial owners against politically exposed person lists and international sanctions lists, with a dated PDF record for your file.
Alerts and risk control
Alerts for cash transactions, unusual transactions and filing deadlines, with a dashboard of what is due and what has already been filed.
Policy manual
The identification policy manual is generated from the system with your company data, instead of hunting for a template online.
A system, not a spreadsheet
Traceability
Every transaction keeps its date, user and evidence. That is exactly what an inspection asks for.
No retyping
Data is entered once and feeds the client file, the alert and the XML.
Regulatory updates
When thresholds or report formats change, the system is updated, not your spreadsheet.
Multi-company
If you handle compliance for several taxpayers, each one keeps its information separate.
Frequently asked questions
What is a vulnerable activity?
It is any of the activities listed in article 17 of the LFPIORPI that, by their nature, can be used to launder money. Whoever carries one out must identify their clients and, once the threshold is crossed, file reports with the SAT.
When do I have to file the report?
No later than the 17th of the month following the one in which the transaction took place.
What if I had no reportable transactions in a month?
You still file the report, as a zero report. NoveraPLD generates it anyway.
What if the client splits the transaction into smaller payments?
That is what accumulation is for: transactions from the same client are added up within a six-month window, and once the threshold is crossed the report is triggered. The system keeps that count on its own.
Does it work if I am a landlord and don't sell property?
Yes. NoveraPLD handles Section XV with its own thresholds and its own report format.
Do I need an e.firma?
To file reports and to download invoices automatically, yes. The e.firma is stored encrypted.
How long does it take to get started?
You register the taxpayer, load clients and the period's transactions, and from the first month you can generate reports.
Request your access
Tell us about your company and an advisor will contact you to activate your account and register you as a regulated taxpayer.
Get NoveraPLD