Tilopay Banking API

Available in Costa Rica only.

Beyond the payment gateway, Tilopay runs an independent banking API: a Banking-as-a-Service platform that exposes SINPE operations, IBAN accounts and collections management.

It is a separate product. It runs on its own infrastructure, with its own credentials and authentication. A merchant already integrating the Tilopay payments API does not get access to this one automatically, and the two integrations share nothing but the brand.

What it can do#

SINPE transfers. Sending and receiving transfers via PIN, DTR and SINPE Móvil, with status lookup for each movement.

Destination account validation. Verify an account before transferring, by IBAN or by phone number, and receive the account holder's name and the financial institution. It lets you confirm to the user who they are paying before the money moves.

IBAN accounts. Balance lookup —available, booked and in-transit amounts— and movement lookup, individually or in batch, with filters by date, status, currency and your own reference.

Collections management. Validation of deposits against purchase orders, with automatic rejection of deposits that match none, and real-time verification.

Card issuing. VISA or Mastercard cards, digital and physical, linked to IBAN accounts and to the available funds.

Notifications. Webhooks for transfer status changes, configurable per event and signed.

Environments#

The banking API has a test environment separate from production, on different hosts. The credentials for each environment are delivered when access is enabled.

How to get access and documentation#

Access is restricted, granted on request, and available only for operations in Costa Rica.

To learn about the product and request commercial access: baas.tilopay.com, stating estimated monthly volume, use case and the systems to integrate.

For the detailed technical documentation —operations, parameters, response formats and webhook contracts— write to soporte@tilopay.com. It is delivered together with the credentials when access is enabled.