# Tilopay > Payment gateway for Central America, the Caribbean and Latin America. Merchants accept card payments, digital wallets (Google Pay, Yappy), SINPE and bank transfers through payment links, recurring subscriptions, checkout on more than 90 e-commerce platforms and a first-party API, settling into local bank accounts. Languages: Spanish (unprefixed routes) and English (/en prefix). Sign up at https://tilopay.com/start and support at https://soporte.tilopay.com. Spanish version of this index: https://www.tilopay.com/llms.txt ## Site - [Tilopay — Pasarela de pagos para Latinoamérica y el Caribe](https://www.tilopay.com/en): Recibe pagos con tarjeta, billeteras digitales y transferencias en tu sitio, con links de pago y suscripciones. - [Sobre Tilopay](https://www.tilopay.com/en/sobre-nosotros): Quiénes somos, nuestra cobertura regional, certificaciones y presencia en prensa. - [Contacto y ventas](https://www.tilopay.com/en/contacto): Escríbenos para afiliarte, cotizar o resolver dudas comerciales. - [Verificar un comercio](https://www.tilopay.com/en/verificar): Confirma si un comercio está afiliado y verificado por Tilopay. ## Products - [Tilopay Link — Links de pago](https://www.tilopay.com/en/producto/link): Crea links de pago y cobra por WhatsApp, redes sociales, correo o SMS sin necesidad de tener sitio web. - [Suscripciones y pagos recurrentes](https://www.tilopay.com/en/producto/suscripciones): Automatiza cobros recurrentes, membresías y planes con reintentos y notificaciones para reducir la morosidad. - [Integración con plataformas y e-commerce](https://www.tilopay.com/en/producto/plataformas): Conecta Tilopay a Shopify, WooCommerce, Wix, VTEX, PMS hoteleros y más con plugins y API. ## Tarifas - [Tarifas y costos por país](https://www.tilopay.com/en/tarifas): Consulta comisiones por método de pago y país, sin costos de afiliación ni mensualidades ocultas. ## Industries - [Pagos para Retail y comercio](https://www.tilopay.com/en/industria/retail): Soluciones de cobro para tiendas físicas y en línea, con checkout rápido y cuotas. - [Pagos para empresas de servicios](https://www.tilopay.com/en/industria/servicios): Cobra servicios profesionales, educación y salud con links de pago, suscripciones y facturación recurrente. - [Pagos para Turismo y reservas directas](https://www.tilopay.com/en/industria/turismo): Impulsa reservas directas con pagos en línea, multimoneda y cero redirecciones. ## Resources - [Plataformas integradas con Tilopay](https://www.tilopay.com/en/plataformas): Directorio de plataformas y plugins compatibles, con enlace a la guía de cada una. - [Métodos de pago disponibles](https://www.tilopay.com/en/metodos-de-pago): Tarjetas Visa, Mastercard, American Express, Google Pay, Yappy, SINPE y transferencias por país. - [Tilopay Connect — Blog](https://www.tilopay.com/en/blog): Noticias, guías de negocio y novedades de producto de Tilopay. - [Portal para Desarrolladores y Agentes AI — API y SDK](https://www.tilopay.com/en/developers): Documentación técnica: SDK del navegador, API servidor a servidor, webhooks y pruebas. - [Registro como desarrollador](https://www.tilopay.com/en/developers/registro): Obtené tus credenciales de sandbox para probar las integraciones de Tilopay. ## Legal - [Términos y condiciones](https://www.tilopay.com/en/terminos-condiciones): Condiciones de uso del servicio por país. - [Política de privacidad](https://www.tilopay.com/en/politica-privacidad): Cómo tratamos y protegemos los datos personales. - [Protección al consumidor](https://www.tilopay.com/en/proteccion-consumidor): Derechos del consumidor, contracargos y reclamos. - [Protección al comercio](https://www.tilopay.com/en/proteccion-comercio): Prevención de fraude y reglas de protección para comercios afiliados. ## Platform guides - [Shopify](https://www.tilopay.com/en/plataformas/shopify) - [Wix](https://www.tilopay.com/en/plataformas/wix) - [WooCommerce](https://www.tilopay.com/en/plataformas/woocommerce) - [Cloudbeds](https://www.tilopay.com/en/plataformas/cloudbeds) - [VTEX](https://www.tilopay.com/en/plataformas/vtex) - [Avify](https://www.tilopay.com/en/plataformas/avify) - [Bookinglayer](https://www.tilopay.com/en/plataformas/bookinglayer) - [Orbe Booking](https://www.tilopay.com/en/plataformas/orbe-booking) - [Wstudio.app](https://www.tilopay.com/en/plataformas/wstudio-app) - [ChargeAutomation](https://www.tilopay.com/en/plataformas/chargeautomation) ## Developer and AI Agent Portal (API and SDK) - [openapi.json](https://www.tilopay.com/developers/openapi.json): OpenAPI 3.1 spec of the Tilopay API, source of truth for endpoints, parameters and responses. - [mcp.json](https://www.tilopay.com/developers/mcp.json): Catalog of the 27 tools of the Tilopay MCP server, with parameters, outputs and access level. - [No code](https://www.tilopay.com/en/developers/sin-codigo): No-code integration path: directory of e-commerce platforms that connect to Tilopay. - [Hosted payment page](https://www.tilopay.com/en/developers/hosted-payment-page): The integration path where the customer pays on a page hosted by Tilopay and your server receives the result. - [JavaScript SDK](https://www.tilopay.com/en/developers/sdk): The integration path where the card form lives on your page and the SDK sends the data straight to Tilopay. - [Server-to-server API (restricted access)](https://www.tilopay.com/en/developers/server-to-server): A service exclusive to PCI-certified merchants. The URL is provisioned per merchant: it is not self-serve. - [Environments: testing and production](https://www.tilopay.com/en/developers/concepts/entornos): Testing and production share one host. The mode is switched from the account and verified with the test field returned by Init(). - [Safe retries and orderNumber](https://www.tilopay.com/en/developers/concepts/reintentos-seguros): The API is not idempotent. Exactly what to do when a payment call dies on a timeout. - [SDK installation](https://www.tilopay.com/en/developers/sdk/instalacion): The V2 SDK script tag, which versions exist, and which versioning guarantees do not exist. - [Form fields](https://www.tilopay.com/en/developers/sdk/campos-del-formulario): The tlpy_* ids the V2 SDK looks for in your form, and the responseTilopay container it needs for 3DS. - [SDK · Tilopay.Init()](https://www.tilopay.com/en/developers/sdk/reference/init): Starts a purchase: authenticates the checkout and returns the available payment methods and the customer's saved cards. - [SDK · Tilopay.startPayment()](https://www.tilopay.com/en/developers/sdk/reference/startpayment): Closes the purchase. The SDK handles the whole 3DS flow and renders the response on the redirect URL. - [Tilopay.getCardType()](https://www.tilopay.com/en/developers/sdk/reference/get-card-type): Returns the brand of the card the customer is typing, so you can show an icon while they type. - [Tilopay.getSinpeMovil()](https://www.tilopay.com/en/developers/sdk/reference/get-sinpe-movil): Returns the data to show the customer to pay via SINPE Móvil and activates the collection listener. - [Tilopay.updateOptions()](https://www.tilopay.com/en/developers/sdk/reference/update-options): Partially updates the parameters sent to Init() when they change before closing the payment. - [API · Authentication](https://www.tilopay.com/en/developers/api/autenticacion): How to get the API token and the SDK token, how long each lasts, and how to send them on every call. - [API · Get API token](https://www.tilopay.com/en/developers/api/autenticacion/token-api): API login operation: returns the bearer token that signs every other call. - [API · Get SDK token](https://www.tilopay.com/en/developers/api/autenticacion/token-sdk): SDK login: returns the token that Tilopay.Init() uses in the browser. - [API · Hosted payment page](https://www.tilopay.com/en/developers/api/hosted-payment-page): Hosted payment page operations of the Tilopay API, with parameters and examples. - [API · processPayment](https://www.tilopay.com/en/developers/api/hosted-payment-page/process-payment): Parameters, request example and response of processPayment, the operation that opens the payment form. - [API · Operational processes](https://www.tilopay.com/en/developers/api/procesos-operativos): Operational processes operations of the Tilopay API, with parameters and examples. - [API · processModification](https://www.tilopay.com/en/developers/api/procesos-operativos/process-modification): Capture, refund and reversal of a transaction with processModification. - [API · consult](https://www.tilopay.com/en/developers/api/procesos-operativos/consult): Query the status and processed amount of a single transaction. - [API · consultTransactions](https://www.tilopay.com/en/developers/api/procesos-operativos/consult-transactions): Bulk transaction query by date range, currency, order or email. - [API · Split settlement](https://www.tilopay.com/en/developers/api/procesos-operativos/split): Splitting the settlement of an order among several facilitated merchants. - [API · How to read an error response](https://www.tilopay.com/en/developers/api/procesos-operativos/errors): An HTTP 200 does not mean success. Where the issuer decline arrives and how to write error handling. - [API · Recurring](https://www.tilopay.com/en/developers/api/recurrentes): Recurring operations of the Tilopay API, with parameters and examples. - [API · Recurring · Charge a payment](https://www.tilopay.com/en/developers/api/recurrentes/realizar-pago): Recurring · Charge a payment operations of the Tilopay API, with parameters and examples. - [API · processRecurrentPayment](https://www.tilopay.com/en/developers/api/recurrentes/realizar-pago/process-recurrent-payment): Server-to-server charge with a v2 card token through processRecurrentPayment. - [API · Recurring · Plans](https://www.tilopay.com/en/developers/api/recurrentes/planes): Recurring · Plans operations of the Tilopay API, with parameters and examples. - [API · Create recurring plan](https://www.tilopay.com/en/developers/api/recurrentes/planes/create-plan): Recurring plan creation: frequencies, free trial, modalities and webhooks. - [API · Edit recurring plan](https://www.tilopay.com/en/developers/api/recurrentes/planes/edit-plan): Editing a recurring plan and its status. - [API · Get a recurring plan](https://www.tilopay.com/en/developers/api/recurrentes/planes/get-plan): Query of a recurring plan by id. - [API · List recurring plans](https://www.tilopay.com/en/developers/api/recurrentes/planes/get-plans): Listing of the integration's recurring plans. - [API · Delete recurring plan](https://www.tilopay.com/en/developers/api/recurrentes/planes/delete-plan): Deletion of a recurring plan by id. - [API · Recurring · Subscribers](https://www.tilopay.com/en/developers/api/recurrentes/suscriptores): Recurring · Subscribers operations of the Tilopay API, with parameters and examples. - [API · Subscribers of a plan](https://www.tilopay.com/en/developers/api/recurrentes/suscriptores/get-suscriptor-plan): Query of the subscribers of a recurring plan. - [API · Edit subscriber](https://www.tilopay.com/en/developers/api/recurrentes/suscriptores/edit-suscriptor-plan): Editing the status and expiration of a subscriber. - [API · Pause subscriber](https://www.tilopay.com/en/developers/api/recurrentes/suscriptores/pause-suscriptor-plan): Pausing a subscriber's subscription. - [API · Reactivate subscriber](https://www.tilopay.com/en/developers/api/recurrentes/suscriptores/reactive-suscriptor-plan): Reactivation of a subscriber's subscription. - [API · Delete subscriber](https://www.tilopay.com/en/developers/api/recurrentes/suscriptores/delete-suscriptor-plan): Deletion of a subscriber from a recurring plan. - [API · Registration and renewal URL](https://www.tilopay.com/en/developers/api/recurrentes/suscriptores/consult-url): Registration or renewal URL of a recurring plan for a given email. - [API · Subscriber payments](https://www.tilopay.com/en/developers/api/recurrentes/suscriptores/suscriptor-payments): Payment history of the subscribers of a recurring plan. - [API · Recurring · Coupons](https://www.tilopay.com/en/developers/api/recurrentes/cupones): Recurring · Coupons operations of the Tilopay API, with parameters and examples. - [API · Create coupon](https://www.tilopay.com/en/developers/api/recurrentes/cupones/create-coupon): Creation of discount coupons for recurring plans. - [API · List coupons of a plan](https://www.tilopay.com/en/developers/api/recurrentes/cupones/get-coupons): Listing of the coupons of a recurring plan. - [API · Get a coupon](https://www.tilopay.com/en/developers/api/recurrentes/cupones/get-coupon): Query of a recurring coupon by id. - [API · Delete coupon](https://www.tilopay.com/en/developers/api/recurrentes/cupones/delete-coupon): Deletion of a recurring coupon by id. - [API · Tokenization](https://www.tilopay.com/en/developers/api/tokenizacion): Tokenization operations of the Tilopay API, with parameters and examples. - [API · processTokenize](https://www.tilopay.com/en/developers/api/tokenizacion/process-tokenize): Card tokenization with processTokenize: parameters, request and response. - [API · Remove card](https://www.tilopay.com/en/developers/api/tokenizacion/remove-card): Removal of a saved card token from the merchant's private vault. - [API · Payment links](https://www.tilopay.com/en/developers/api/links-de-pago): Payment links operations of the Tilopay API, with parameters and examples. - [API · Create payment link](https://www.tilopay.com/en/developers/api/links-de-pago/create-link-payment): Payment link creation through the API, with response callback and webhook. - [API · Payment link detail](https://www.tilopay.com/en/developers/api/links-de-pago/detail-link-payment): Detail of a payment link and its payments, queried by id. - [API · Delete a payment link](https://www.tilopay.com/en/developers/api/links-de-pago/delete-link-payment): Deletion of a payment link by id. - [API · List payment links](https://www.tilopay.com/en/developers/api/links-de-pago/payment-item-list): Paginated listing of the merchant's payment links. - [API · Get a payment link by id](https://www.tilopay.com/en/developers/api/links-de-pago/payment-by-id): Query of a single payment link by its id. - [API · Webhooks](https://www.tilopay.com/en/developers/api/webhooks): Which events exist, how many retries there are, in what format they arrive and how to confirm the state of a charge. - [AI agents](https://www.tilopay.com/en/developers/agentes): The three planes Tilopay offers an AI agent: reading the documentation, operating the account through the MCP server, and integrating with the API and the SDK. - [MCP server](https://www.tilopay.com/en/developers/agentes/mcp): How access to the Tilopay MCP server is granted and how an MCP client connects with OAuth. - [Sales and transactions](https://www.tilopay.com/en/developers/agentes/mcp/ventas): MCP tools to query transactions, measure sales and modify a transaction. - [Payment links](https://www.tilopay.com/en/developers/agentes/mcp/enlaces-de-pago): MCP tools to create, read and delete payment links, and prepare their delivery. - [Catalog](https://www.tilopay.com/en/developers/agentes/mcp/catalogo): MCP tools to read the merchant catalog of products and services. - [Contacts](https://www.tilopay.com/en/developers/agentes/mcp/contactos): MCP tools for the merchant address book: view, save and delete contacts. - [Support and diagnostics](https://www.tilopay.com/en/developers/agentes/mcp/soporte): MCP tools to answer with the official guides and test the API connection. - [What an agent can do](https://www.tilopay.com/en/developers/agentes/permisos): The real scope of an agent connected to the MCP server: which tools read, which tools change state, and which controls exist. - [Machine-readable documentation](https://www.tilopay.com/en/developers/agentes/documentacion-legible): The artifacts the portal publishes for agents: llms.txt, raw Markdown on any URL, openapi.json and mcp.json. - [Recipes](https://www.tilopay.com/en/developers/agentes/recetas): Three end-to-end flows with the MCP server: charging over WhatsApp, closing the month sales and refunding with human confirmation. - [Tilopay Banking API](https://www.tilopay.com/en/developers/api-bancario): Tilopay's Banking-as-a-Service platform, available in Costa Rica only and with restricted access. Every page is also served as raw Markdown by appending `.md` to its URL. Full text: https://www.tilopay.com/en/llms-full.txt ## Other resources - [XML sitemap](https://www.tilopay.com/sitemap.xml) - [BAC Credomatic integration (Spanish)](https://www.tilopay.com/bac) - [Yappy for Panama (Spanish)](https://www.tilopay.com/yappy)