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Costa Rica · Payins & payouts

SINPE collections and payouts in Costa Rica

Collect with IBAN virtual accounts in colones and US dollars, and pay out over SINPE or instantly to SINPE Móvil, 24/7.

Contact salesCosta Rica API docs
  • SINPE Móvil · real-time rail
  • Currencies: CRC · USD
  • Registered · SUGEF
IBAN
Virtual accounts
SINPE Móvil
Real-time, 24/7
SINPE
Same day or T+1
SUGEF
Supervised by

Market snapshot

Costa Rica in figures

Public, dated figures from official sources. Every number links to its source.

Colones on SINPE and SINPE Móvil

Why Localpayment in Costa Rica

In Costa Rica, Localpayment collects in colones (CRC) and US dollars through SINPE virtual accounts identified by IBAN, and pays out to bank accounts over SINPE or directly to SINPE Móvil. Localpayment is a Supervised Legal Entity before SUGEF.

  • IBAN virtual accounts in CRC and USD

  • SINPE Móvil payouts in real time, 24/7

  • SINPE bank payouts the same day or T+1, with a 17:25 cut-off

  • Accepted documents: CI, CEJ, DIMEX and RUT

Talk to our sales team

Tell us your markets and volumes, and we’ll design the integration with you.

Contact sales

Payment methods

Every method in Costa Rica at a glance

Each documented method with its speed and limits. Full details are further down this page.

Related products

Payins

Payin methods in Costa Rica

Every documented method, with its API code, limits and how each payment is confirmed.

  • Virtual account (SINPE, CRC)

    Type
    Virtual account
    Code
    1420
    Limits
    Min. CRC 1, no published maximum
    Confirmation
    Asynchronous, confirmed by webhook
    Notes
    Account identified by IBAN

  • Virtual account (SINPE, USD)

    Type
    Virtual account
    Code
    1421
    Limits
    Min. USD 1, no published maximum
    Confirmation
    Asynchronous, confirmed by webhook
    Notes
    Account identified by IBAN

Codes are the paymentMethod.code values in the API. Limits as documented at docs.localpayment.com; final availability depends on your agreement.

Payouts

Payout rails in Costa Rica

Every documented rail, with speed, cut-off and limits.

  • SINPE Móvil (direct wallet)

    Type
    Wallet
    Code
    0071
    Speed / cut-off
    Real-time, 24/7
    Limits
    Up to ≈ USD 10,000
    Notes
    Maximum expressed as a USD equivalent

  • Bank transfer (SINPE)

    Type
    Bank transfer
    Code
    0070
    Speed / cut-off
    Same day or T+1, cut-off 17:25 local time
    Limits
    Up to ≈ USD 10,000
    Notes
    —

Codes are the paymentMethod.code values in the API. Limits as documented at docs.localpayment.com; final availability depends on your agreement.

License & regulation

Costa Rica: supervised presence

Supervised Legal Entity — General Superintendence of Financial Entities (SUGEF). Before go-live, every merchant completes a compliance review (due diligence or enhanced due diligence) and business verification (KYB).

  • Status: Registered
  • Production credentials after Stage testing, a security review and KYB
  • Accepted documents: CI, CEJ, DIMEX, RUT
  • TLS 1.2+, AES-256 encryption at rest, MFA and HMAC-signed webhooks
See all licenses

For developers

Send your first payout in Costa Rica

Get an access token with POST /api/token/, then call POST /api/payout/ with the rail code and the ISO-3 country code. Test it in Stage first: no real money moves.

  • Country CRI · currency CRC
  • Rail: Bank transfer (SINPE) · code 0070
  • Final status by HMAC-signed webhook
Costa Rica guide in the docs
# Illustrative request with simplified fields — see the Costa Rica page at docs.localpayment.com
# ACCESS_TOKEN comes from POST /api/token/ and is valid for 5 minutes
curl -X POST https://api.stage.localpayment.com/api/payout/ \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "externalId": "payout-cr-000184",
    "country": "CRI",
    "currency": "CRC",
    "amount": 50000,
    "paymentMethod": {
      "type": "BankTransfer",
      "code": "0070",
      "flow": "DIRECT"
    },
    "accountNumber": "<your-account-number>",
    "conceptCode": "0001",
    "beneficiary": {
      "type": "INDIVIDUAL",
      "name": "Daniel",
      "lastname": "Mora",
      "document": { "type": "CI", "id": "000000000" },
      "bank": {
        "account": { "number": "<beneficiary-account-number>" }
      }
    }
  }'

Frequently asked questions

Which methods are available in Costa Rica?

Payins: Virtual account (SINPE, CRC) and Virtual account (SINPE, USD). Payouts: SINPE Móvil (direct wallet) and Bank transfer (SINPE). The tables above show codes, limits and speeds.

Can I collect in USD in Costa Rica?

Yes. SINPE USD virtual accounts (code 1421) receive dollar transfers, alongside colón accounts (code 1420).

What is SINPE Móvil?

Costa Rica’s mobile transfer service. Payouts to SINPE Móvil are real-time, 24/7, up to roughly USD 10,000 equivalent.

How fast are SINPE bank payouts?

The same day or T+1, with a 17:25 local cut-off.

How do I go live in Costa Rica?

Talk to sales about your flows. After the agreement and a compliance review (due diligence or enhanced due diligence), you receive Stage (sandbox) credentials to integrate without moving real money. Production credentials follow Stage testing, a security review and business verification (KYB), so you can go live in weeks.

Nearby markets

Keep expanding across the region

Same API, same Business Portal: a new market is a configuration, not a new integration.

Launch in Costa Rica

Get Stage (sandbox) credentials when the partnership starts and go live in weeks. Adding countries later is a configuration, not a reintegration.

Contact salesGo to our docs

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