FlowLab CR
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Get paid online through your bank.

We integrate the Banco Popular or BAC payment button right into your website, store, booking system or app. No middleman platforms: you only pay your bank's fee.

Banco PopularPayment button and e-commerceFrom $1 a month
BAC CredomaticE-commerce APIFrom $50 a month

Maximum fee per sale: 1.5% on Costa Rican cards and 2.5% on international cards.
Reference amounts. Each bank confirms its terms when you sign up.

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How much do you pay in fees?

Compare your bank with Tilopay, ONVO and PayPal based on your monthly sales.

Popular and BAC: 2 % on average. Maximum 1.5% on Costa Rican cards and 2.5% on international cards.

You pay in fees per month
  • Banco Popular $0
  • BAC Credomatic $0
  • ONVO Pay $0
  • Tilopay $0
  • PayPal $0
With your bank instead of Tilopay, you save per year$0

Public card rates as of October 2026: ONVO 3.9% + $0.35 and $3 per withdrawal; Tilopay 4.25% + $0.35 and $2 per withdrawal; PayPal 5.4% + $0.30. Calculated with 4 withdrawals a month. BAC also charges $50 a month and $0.12 per transaction (plus VAT), and a one-time $175 setup fee. For Banco Popular and BAC we use the maximum fee: 1.5% on Costa Rican cards and 2.5% on international cards. Each provider may negotiate rates based on volume.

Why your bank

Lower fees, more control.

01

Low fees

Banco Popular and BAC are among the lowest-fee options in Costa Rica. No extra percentage like other platforms.

02

Straight to your account

The money goes to your bank account, with no middleman.

03

Works anywhere

A new website or the one you already have, a store, bookings, registrations or an app.

04

Card payments

Your customers pay by card securely, on the bank's own page.

How it works

From sign-up to your first payment.

  1. 01

    Sign-up

    We guide you through the merchant sign-up with Banco Popular or BAC.

  2. 02

    Integration

    We connect the bank's API to your website, store or app.

  3. 03

    Testing

    We test payments in the bank's sandbox.

  4. 04

    Go live

    We switch to production and you start getting paid.

Where it works

Get paid for what you sell.

We integrate it into a new website or the one you already have.

  • Tour and lodging bookings
  • Online stores
  • Tournament and event registrations
  • Appointments and consultations
  • Memberships and subscriptions
  • Quotes and invoices
Contact

Let's talk about your project.

Quick question? Message us on WhatsApp. Want a quote? Fill out the form.

What would you like a quote for?

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