Sources: Federal Reserve and provider disclosures, 2024–2025.
How Puerto Rico pays
Puerto Rico is a US territory that uses the US dollar and runs on US card rails: Visa, Mastercard, American Express and Discover cards, plus Apple Pay and Google Pay, work just as they do on the mainland. What sets the island apart is ATH, the local debit network on cards from Puerto Rican banks, and ATH Móvil, the payment app built on it, which is how many Puerto Ricans pay each other and local businesses.
Online, cards dominate, and a large diaspora on the mainland plus steady tourism bring plenty of cards issued elsewhere in the United States. For an enterprise merchant, the value is optimization: cards and the express wallets behind one integration, routing across acquirers to protect approvals, and risk-based 3DS on card-not-present payments, all in US dollars.
Why merchants run on us here
US card rails
Visa, Mastercard, American Express, Discover and the express wallets, behind one integration.
ATH in context
ATH Móvil and the ATH debit network are how much of Puerto Rico pays locally.
Routing across acquirers
Retries across acquirers protect approvals on island and mainland cards alike.
Risk-based 3DS
Authentication applied where risk calls for it, in US dollars with no FX for US buyers.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Puerto Rico
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Puerto Rico like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Puerto Rico through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the US dollar (USD) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Puerto Rico?
Talk to our payments team about going live in Puerto Rico — coverage, local acquiring, settlement and timelines for your business.