ATH (A Toda Hora) and ATH MóvilPuerto Rico’s domestic debit scheme and P2P service. In this US territory, ATH Móvil, not Zelle or Venmo, is the go-to payment app. A typical example of a domestic scheme invisible from the mainland: a Puerto Rican merchant must accept ATH, separately from Visa and Mastercard.Evertec, Inc. · since 2015
Global registry · North America · North America
Puerto Rico Payment systems
3 systems listed.
This country doesn’t have a written market analysis yet: e-commerce shares, regulator, and key players are still to be documented. The systems below, however, are verified.
Learn about this market. The guides and courses that cover it.
Payments in Oceania and CanadaPayment success rates and what drives themCross-border acquiring around the worldAgentic payments around the worldSelling in app storesAuthenticating without one-time passcodesOpening a new market: the payments playbookCollecting payments for the public sectorCollecting fares on public transitPayment methods around the worldRecurring payments and subscriptions, level 2Agentic payments: the fundamentals
Card schemes
ATH and ATH MóvilPuerto Rico’s dominant PIN debit network and P2P wallet, operated by a NYSE-listed company spun off from Banco Popular. An unusual setup: a dollar-denominated US territory, outside the mainland ACH network for retail payments, with its own domestic scheme and a private near-monopoly over the infrastructure.Evertec, Inc. · since 1980about 80% of debit transactions and 70% of ATM transactions in Puerto Rico (industry analysis, 2025); Evertec processes more than 10 billion transactions a year across all its markets
Acquiring and processing
EvertecThe dominant processor and acquirer in Puerto Rico and the Caribbean, with a presence in Latin America. It runs the ATH network, merchant acquiring, and issuer processing, a rare degree of vertical concentration that anyone deploying in the region needs to understand.Evertec, Inc. (San Juan, Puerto Rico) · since 1988