Glossary · Payments & Invoicing
Payment Gateway
Service that processes online payments (card, transfer, SINPE) and deposits the net amount in your bank account.
Full definition
A payment gateway is the piece that connects your site's "Pay" button to the banking network and processors. It handles card tokenization, 3D-Secure validation, commission calculation, and reconciliation. The most used are Stripe (international, 2.9% + USD 0.30), BAC Credomatic (CR, negotiated commission ~3–4%), BNCR PagaBN, and SINPE providers (Tilopay, GreenPay).
In Costa Rica context
Typical recommendation for ecommerce in Costa Rica: Stripe for international guests/customers (USD cards), BAC or BNCR for premium local cards (better 3DS experience), SINPE Móvil for customers who prefer not to use a card. Stripe setup: 1–2 days. Local bank gateway setup: 2–4 weeks (contract + KYC required).
Related reading on the site
Related terms
Frequently asked questions
Frequently asked questions
Does Stripe work in Costa Rica?▾
Yes, Stripe accepts accounts registered in Costa Rica since 2023. The commission is 2.9% + USD 0.30 per international transaction. Payouts hit your bank account in 7 days for new accounts, then 2 days after.
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