The most common concern: keeping your money safe

Every business owner, regardless of the size of their business, shares the same concern: Will my money reach my account?

Security is no longer a luxury; it’s essential. Customers don’t forgive mistakes. A single failed transaction can destroy trust built over years. And you can’t afford the risk: an incorrectly processed payment is more than a one-time loss—it damages your credibility.

When you choose a payment gateway, you do so with the expectation that every cent will be in the right place at the right time.

<< Fast, secure, and hassle-free online payments for your business >>

The cost of insecure payments

When security fails, the consequences are serious:

1. Fraud and chargebacks: direct financial losses.
   






2. Customer distrust: customers who never buy from you again.
   






3. Reputational damage: one negative review can deter hundreds of potential buyers.
   






4. Cash flow disruption: delays that affect your daily operations.

As digitalization accelerates, these risks are amplified by the lack of local solutions with world-class technology.

Tilopay was created to close that gap.

Our promise: cutting-edge security, without exception

Tilopay is more than a payment gateway. It’s an ecosystem that combines the best technological innovation with international banking expertise.

What does this mean in practice?

• Every transaction is processed with advanced encryption.
  






• Every card is protected through tokenization.
  






• Every payment goes through state-of-the-art fraud prevention protocols.
  






• Every transaction is recorded in reports you can access in real time.
  

The result: complete confidence that your money will arrive safely.

The technology behind your peace of mind

Our ecosystem includes tools designed to secure every payment:

• PCI DSS compliance: the world’s strictest standard for card data security.
  






• 3DS (3D Secure) authentication: reduces fraud and protects both customers and merchants.
  






• Smart Routing: identifies the best banking route to minimize declines and maximize approvals.
  






• Tokenization: transforms sensitive data into encrypted codes that third parties can’t use.
  






• Real-time fraud monitoring: systems that learn behavioral patterns to detect suspicious transactions.

We’re not talking about promises. We’re talking about international protocols implemented down to the last detail.

One less thing to worry about

Running a business is a constant challenge. Every day, you make decisions about sales, inventory, customers, and suppliers. You already have enough on your mind.

With Tilopay, the security of your payments isn’t another concern.
It’s handled, seamless, and reliable.

You can sleep soundly knowing your money is safe and will never be left in limbo between platforms and banks.

Security in action

Electronics ecommerce store

Imagine an online electronics store in Costa Rica. Like many businesses, it experiences frequent declines on foreign cards. With Tilopay and Smart Routing, the store can increase its approval rate by 15% and reduce fraud by 40%.

Creative services agency

Now imagine a creative services agency in Panama that faces frequent chargebacks when billing international clients. After integrating 3DS and tokenization with Tilopay, its chargebacks dropped to nearly zero.

Boutique hotel in Costa Rica

A boutique hotel may receive payments from guests before, during, and after their stay. By implementing the Booking Protection and card tokenization offered by Tilopay,  the hotel eliminates risks and gives international guests complete confidence.

Beyond security: insights to help you grow

Security doesn’t just protect your business—it also creates opportunities. With advanced reports, you can analyze:

• Which banks approve payments faster.
  






• Which payment methods generate fewer chargebacks.
  






• How the fraud rate changes month over month.

This is how Tilopay turns protection into a competitive advantage.

Confidence that multiplies

When customers feel that their payments are secure, they spread the word:

• They recommend the store to others.
  






• They buy again without hesitation.
  






• They strengthen the brand’s reputation.

Security isn’t just a shield; it’s also a marketing tool. At Tilopay, we know that every secure transaction is an opportunity to build customer loyalty.

Security is at the heart of Tilopay

In an environment where digital risks evolve every day, the only answer is cutting-edge technology and a partner you can always count on.

Tilopay ensures every payment arrives safely by complying with the most stringent protocols and adapting to the region’s local needs.

Our commitment is simple and clear: your money will always be safe.

Tilopay. Powering transactions.