Tilopay

Tilopay Overview

Tilopay is a regional digital payments ecosystem built for Central America and the Caribbean. The company positions itself as a technology-first facilitator that helps businesses sell more and get paid better by unifying secure payment tools under one platform. Tilopay launched in 2019 and has since focused on forging bank and platform alliances to streamline money flows between buyers and sellers with minimal bureaucracy.

Tilopay serves small startups, mid-market firms, and large enterprises. Its website and partner materials emphasize fast onboarding, modern risk controls, and an implementation path that adapts to local rules while keeping a consistent experience across markets. BigCommerce added Tilopay to its supported gateways for merchants based in Central America and the Caribbean in 2024, highlighting local and international currency acceptance and a quick integration model.

Where Tilopay Operates

Tilopay states that its payment ecosystem welcomes 33 countries and 17 financial groups across Central America and the Caribbean. The public country list on the site spans core Central American markets and a wide set of Caribbean jurisdictions including Aruba, Curaçao, Jamaica, Trinidad and Tobago, and many more. This regional footprint is central to Tilopay’s positioning as a one-stop facilitator for cross-border tourism, retail, and services in the region.

What You Can Accept with Tilopay

For checkout coverage, Tilopay and its partners describe support for credit and debit cards, bank transfers, and interest-free installment payments, with settlement flexibility for local currencies. On the security side, 3DS 2.0 is available, along with robust anti-fraud features, and recurring or subscription billing for repeat business models. These capabilities are highlighted in BigCommerce’s gateway brief for Tilopay.

Tilopay’s own pages add granular details for specific industries. Retail tooling includes payment links, QR codes, and reporting features, plus anti-fraud controls that combine 3DS, a deep integration with Kount, and internal rule sets designed to keep chargeback rates low. Hospitality tooling focuses on PMS integrations, stored-card tokenization for post-stay charges and incidentals, and a virtual open POS for card-not-present transactions when the guest is not physically present. Services tooling emphasizes subscriptions, flexible billing cadence, trials, coupons, and mass billing through CSV uploads.

Industry Solutions

Retail

Tilopay’s retail solution is built around meeting customers where they already shop and chat. You can integrate with major ecommerce platforms, sell via social channels using secure payment links or QR codes, and accept the main card brands alongside select alternative methods where available. The platform also touts detailed sales reporting and a simple product catalog tool that pairs each SKU with an associated payment link. Fraud controls pair 3DS with Kount and learning rules to optimize approvals while protecting revenue.

Hospitality

Hotels, vacation rentals, and tours can plug Tilopay into leading PMS platforms such as Cloudbeds, Guesty, Hostaway, SimpleBooking, and others, with an emphasis on synchronized reservation and payment workflows. A virtual open POS can be enabled for secure manual charges. Card details are tokenized to automate authorized follow-up payments like deposits, incidentals, and upsells, and there is an option to offer booking protection in partnership with Protect Group.

Services and Memberships

For gyms, professional services, events, and education, Tilopay includes subscription billing with flexible frequency, optional trials, couponing, and plan administration. It also supports mass billing, payment links, and QR codes to reduce collection friction for time-based services.

Tools and Integrations

Tilopay groups its products as a connected ecosystem that starts with security. Merchants can implement on-site, no-redirect payments to increase buyer confidence and keep the entire checkout experience within their domain. Tokenization is built in, allowing returning customers to pay without re-entering card data. For larger teams, the developer center provides an SDK and a documented API to customize flows or embed payments directly into proprietary apps.

Platform integrations include Shopify, WooCommerce, Wix, Magento or Adobe Commerce, VTEX, BigCommerce, and travel-focused tools such as ORBE and ChargeAutomation. Tilopay also documents connections to third-party gateways and risk providers, including Yappy, PowerTranz and Sentry, Cardinal, CREDIX, IBEXPAY, and SIGMA. This breadth makes it easier to fit Tilopay into existing stacks without costly replatforming.

Enterprise Capabilities

Tilopay Enterprise is designed for high-scale or multisite businesses that need regional resilience and fine-grained control. It highlights payment orchestration, a private or shared token vault, smart routing to optimize approval rates, and delegation of PCI obligations. The enterprise page also points to integrations with more than 30 acquirers and gateways across the region, which is key for redundancy and routing control.

Risk, Security, and Compliance

Security is a recurring theme in Tilopay’s materials. The consumer protection page states that operations and data are handled in PCI DSS certified environments. The hospitality and retail pages underscore 3DS and the use of Kount as part of a layered fraud strategy, and merchant protection materials reference 24 by 7 monitoring and multi-level defenses aimed at reducing fraud, claims, and chargebacks. Together, these signals reflect a platform that invests in compliance and real-time risk mitigation.

Geographic Coverage and Banks

Tilopay lists a broad set of Central American and Caribbean countries and notes relationships with multiple financial groups in the region. For merchants, this matters because acceptance, settlement, and available methods can vary by country and by the acquiring partners backing each integration. Tilopay’s copy explicitly calls out 33 countries and 17 financial groups as part of its ecosystem.

Who Tilopay is Best For:

• Tourism and hospitality brands that need to accept international cards, automate on-stay and post-stay charges with stored tokens, and integrate with cloud PMS solutions. The features that enable virtual manual charges and booking protection can improve guest experience and internal workflows.

• Omnichannel retailers that want to run on mainstream ecommerce platforms, add social commerce with links and QR codes, and lift approval rates without sacrificing security through 3DS and Kount. The no-redirect checkout is useful for conversion-minded teams.
• Subscription and membership businesses that need recurring billing tools with flexible plans, trials, coupons, and bulk collection for cohorts.
• Enterprises operating in multiple countries that need orchestration, smart routing, and access to a network of regional acquirers to balance cost, resilience, and approval rates.

Conclusion

Tilopay stands out for regional depth in Central America and the Caribbean, industry-specific packages for hospitality, retail, and services, and an enterprise layer that brings orchestration and smart routing within reach. If you sell to tourists, operate across multiple island markets, or need recurring billing with local settlement, Tilopay is a contender to shortlist.