Tilopay
Direct SINPE participant · Code 369 (PSP)

Banking-as-a-Service to build financial solutions in Costa Rica

Our banking API lets you build and ship your own financial products, backed by the experience, strength and security of a direct SINPE participant.

SINPE transfersIBAN your own accountsReconciliation automaticSINPE MóvilIssuing of cards
Contact salesSee services by API
PCI DSS Level 199.99% uptimePayment Service Provider
POST transactions/payments
// Transferir a una cuenta SINPE
POST transactions/payments

{
  "payment_method_code": "PIN",
  "direction": "OUT",
  "country_code": "CR",
  "amount": { "amount": "1000.00", "currency": "CRC" },
  "source": {
…
201 CREATED
Live2s ago
Transfer received
₡150.000
Reconciled automatically

Services available by API

A transactional platform that centrally manages the full lifecycle of financial operations: from receiving the instruction to executing and confirming it.

sinpe

SINPE operations

Sending and receiving transfers via PIN, DTR and SINPE Móvil, with account validation by IBAN and wallet validation by phone number.

iban accounts

IBAN account operations

Query single transactions or lists, check Tilopay account balances and get notified of transfer status changes.

charges

Collections management

Deposit validation against purchase orders, automatic rejection of unmatched deposits, instant verification and notification by API and webhook.

visa · mastercard cards

VISA or Mastercard card issuing

Issuing digital and physical VISA or Mastercard cards linked to IBAN accounts and to the funds available in each account.

Built for technical teams, ready for production

An extensive REST API that centralizes transactional logic, controls the lifecycle of each operation and guarantees accounting consistency with end-to-end traceability.

See the full banking API reference
POST accounts/validate
// Validar una cuenta SINPE
POST accounts/validate

{
  "payment_method_code": "PIN",
  "account": {
    "type": "IBAN",
    "value": "CR12015201001012345678"
  }
}
200 OK

Documentation

The banking API reference lives in the developer portal

Authentication, envelope conventions, the response-code catalog, payment, account, webhook and catalog operations, plus the downloadable OpenAPI 3.0.3 spec.

Open the banking API documentation
AI agents

Query your accounts and movements from an AI agent

Tilopay's MCP server includes eleven read tools over the banking API. None of them initiates, approves or reverses transfers: they only extract information.

They are enabled on request and only work for users with Tilopay banking API credentials.

baas_list_accounts

List accounts

Accounts accessible to the token, with or without balances.

baas_list_balances

Balances

Balance of every account in the context in a single call.

baas_list_payments

Payments

Movements by account and date range, with pagination.

baas_search_payment

Search a payment

By payment_id, public_id or client reference.

baas_request_statement

Statement

Generates a read-only statement; it moves no money.

baas_analyze_payments

Movement analysis

Analytical report on the period's payments.

See the eleven MCP banking tools

Cloud-first architecture

  • 01

    Cloud-native on GCP

    A distributed platform designed to run at multinational scale with high resilience and data isolation.

  • 02

    Country → Tenant → Partner hierarchy

    A multi-tenant structure that separates operating contexts and allows internal authorization per context, with external authentication (CIAM).

  • 03

    Ledger-entry gateway

    Decouples the account core from transaction execution and guarantees accounting consistency with end-to-end traceability.

  • 04

    Go, PostgreSQL and Redis

    A throughput- and low-latency-oriented stack to manage the full lifecycle of each transaction.

Compliance and security

99.99% uptime

A distributed GCP platform with multi-zone architecture, active redundancy and continuous monitoring.

PCI DSS Level 1

Active certification, with Attestation of Compliance and Report on Validation available.

Encryption and data protection

TLS 1.2 or higher in transit; tokenization and AES-256 encryption for stored data.

Full-code integration

An extensive, flexible API to integrate directly with your collection flows and internal systems.

Frequently asked questions

What is Tilopay's Banking API?
It is Tilopay's Banking-as-a-Service platform: a REST API exposing SINPE operations, IBAN accounts and collections management so companies can integrate payments and transfers directly into their systems.
Is Tilopay affiliated with SINPE?
Yes. Tilopay is a SINPE participant entity under code 369 as a Payment Service Provider (PSP).
Is Tilopay registered with SUGEF?
Yes. Tilopay has been registered with the General Superintendency of Financial Entities (SUGEF) under article 15 since 2021.
Which SINPE operations can run through the API?
Sending and receiving transfers via PIN, DTR and SINPE Móvil, plus account validation by IBAN and wallet validation by phone number.
How are incoming collections reconciled?
Each deposit is validated against its purchase order; unmatched deposits are rejected automatically and the result is notified by API and webhook in real time.
What uptime and certifications does the platform have?
99.99% uptime on a multi-zone Google Cloud Platform architecture, with PCI DSS Level 1 certification, TLS 1.2 or higher in transit and AES-256 encryption at rest.
How do I request access to the banking API?
Escribe a contacto@tilopay.com o usa el formulario de contacto indicando tu volumen mensual estimado y caso de uso; te compartimos la estructura comercial y el acceso técnico.

Let's talk about your banking API integration

Tell us your volume and use case and we will share the commercial structure, the setup schedule and technical access.

Contact sales