Payment methods designed for how your business actually sells
- Cards + local rails
- Country-aware launch mix
- One admin panel
Markets covered in this guide
Core method families
Admin panel for configuration and reporting
Featured rails
Alternative coverage
Financing and local alternatives help expand conversion beyond a card-only setup.
Cards as the base layer
Launch with credit and debit cards, then layer local methods where they matter most.
Local methods that lift conversion
Support local buyer preferences with bank rails, wallet flows, and financing alternatives.
One integration, one panel
Keep settlements, reconciliation, and configuration inside one operational view.
Method strategy
Build a payment mix that matches how your market buys
- Activate the mix that best fits the country where you are selling today.
- Introduce alternative methods without fragmenting your reporting or settlement flow.
- Use one commercial conversation to decide cards, local methods, and in-person expansion.
A smarter way to launch
Activate the most suitable payment methods for your business model from your Administrative Panel.
Coverage by country
Choose the market and compare the method mix
Switch countries to review the payment method mix that better matches how teams usually launch in each market.
CR
4 canales principales
Costa Rica combines cards, bank-based local collections, financing, and wallet experiences inside the same operation.
What teams usually activate first
Best when your team needs both digital checkout coverage and more local collection alternatives.
Credit and Debit Cards:
The most used payment method by Costa Ricans
Great for ecommerce and recurring collections.
- Recurring payments
- Manual capture or pre-authorizations
- Tokenizations
- Refunds
- Anti-fraud system with Bayonet and 3DS
- And much more
Alternative Payment Methods:
Financing alternative for customers who prefer to pay in cash but need a credit option for installments.
A financing option for higher-ticket purchases.
- “Zero interest installment” payments: 3, 6, 10, 12, 18, and 24 months
- Tokenizations
- Refunds
- Anti-fraud system with Bayonet and 3DS
Alternative Payment Methods:
One of the most used payment methods in Costa Rica.
Local account-to-account collections with strong consumer familiarity.
- Real-time and free money transfers via mobile phone associated with a bank account.
- Part of the National Electronic Payment System (SINPE) of the Central Bank of Costa Rica. All local banks are connected to this system.
- Access via bank app and SMS.
Alternative Payment Methods:
Electronic wallet (e-wallet).
A wallet-led route for additional reach in Costa Rica.
- 70,000 users in Costa Rica.
- Automatic debit from the wallet balance.
ONVO
With ONVO, you get access to all these payment methods with just one integration.
Commercial guidance