Olanzo is a next-generation payment platform that transforms Costa Rica's SINPE Móvil system into a fast, secure, and feature-rich payment solution for both consumers and businesses. We make SINPE payments lightning-fast (26 seconds vs. 94 seconds), fraud-proof, and add modern features like payment requests, bill splitting, transaction history, and powerful marketing tools for merchants.

While traditional SINPE Móvil takes around 90 seconds and relies on SMS confirmations that can be unreliable, Olanzo offers:

• Speed: Complete transactions 4x faster
• Security: Instant, fraud-proof payment confirmations via QR codes
• Modern features: Payment requests, bill splitting, complete transaction history
• For merchants: Customer identification, loyalty programs, and marketing tools
• Lower costs: Up to 50% savings compared to cash handling and card fees

Absolutely. Olanzo works directly with Costa Rica's official SINPE system and all major banks. Your payments are processed through the same secure banking infrastructure you already trust. We add an extra layer of security with instant payment confirmations, eliminating the fraud risks associated with SMS-based confirmations. Your banking credentials never pass through Olanzo - we simply facilitate the connection to your existing bank account.

Olanzo works with all major Costa Rican banks that support SINPE Móvil via SMS. Since we're built on top of the national SINPE infrastructure, if your bank offers SINPE Móvil via SMS, it works seamlessly with Olanzo.

For consumers: The Olanzo app is currently free to download and use for personal payments. We're offering free access to help more people experience faster, easier SINPE payments.
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For merchants: We offer flexible pricing with either subscription plans or per-transaction fees, both significantly lower than traditional card processing fees (1.7% vs. 2.3-2.5%). See our pricing section below for details.

Getting started with Olanzo is easy:

• Download the Olanzo app from the Google Play Store or Apple App Store
• Connect your existing bank account that has SINPE Móvil enabled
• Verify your identity (one-time setup)
• Start making fast, secure payments immediately!

The entire setup takes less than 30 seconds, and you'll be making your first payment within seconds.

The Olanzo app gives you everything you need for modern mobile payments:

• Lightning-fast payments: Complete transactions in under 8 seconds
• Payment requests: Request money from friends and family directly in the app
• Bill splitting: Easily divide bills with your group
• Complete transaction history: See all your payments organized by person and date
• Contact-based payments: Send money directly from your contacts list
• QR code scanning: Pay at merchants by simply scanning their QR code
• Exclusive offers: Access cashback deals and promotions at participating merchants
• Digital stamp cards: Collect rewards at your favorite stores

Paying at Olanzo-enabled merchants is incredibly simple, either pay to the merchants SINPE phone number via your bank, SMS or by using the SINPE app. You chose! With the Olanzo app:

• Look for the Olanzo QR code at the checkout
• Open your Olanzo app and tap the scan button
• Scan the QR code
• Confirm the amount
• Complete the payment

The merchant receives instant confirmation, and you'll see the transaction in your history immediately. The entire process takes about 26 seconds from start to finish.

Payment request is one of our most popular features! Instead of asking someone verbally to pay you back, you can send them a digital payment request directly through Olanzo. They'll receive a notification and can approve the payment with just a few taps. This is perfect for splitting restaurant bills, collecting money for group gifts, or any situation where someone owes you money. It's faster, clearer, and eliminates the awkwardness of asking for money.

Yes! Unlike traditional SINPE Móvil, Olanzo keeps a complete, organized record of all your transactions. You can view your payment history by date, by person, or search for specific transactions. This makes it easy to track your spending, remember who you've paid, and never lose track of a transaction again.

When you pay with Olanzo at participating merchants, you can earn various rewards including cashback offers, digital stamp cards (collect stamps with each purchase to earn free items), exclusive discounts, and promotional offers. You'll see available offers directly in the app when you're near participating merchants.

Becoming an Olanzo merchant is quick and straightforward, 1st step is to contact Olanzo at ventas@olanzo.cr.

Olanzo offers compelling advantages for businesses of all sizes:

Cost Savings:

• Save up to 50% compared to traditional payment methods

Speed & Efficiency:

• Instant payment confirmation (no waiting for SMS)
• Transactions complete 4x faster
• Automatic reconciliation and invoicing
• Faster checkout times for customers

Know Your Customers:

• Identify every customer who pays with Olanzo
• Build customer profiles and purchase history
• Segment customers for targeted marketing

Grow Your Business:

• World-class marketing platform included
• Send targeted offers, promotions, and campaigns
• Create loyalty programs and stamp cards
• Get valuable insights into customer behavior
• Communicate directly with customers via email, SMS, or push notifications

Olanzo is designed to work with minimal equipment requirements:

Basic Setup (included):

• Olanzo QR code (printed or digital display)
• Smartphone or tablet with the Olanzo merchant app

Optional Upgrade:

• Olanzo SoundBox: A device that provides instant voice confirmation of payments, so you don't need to check your phone for each transaction

Both options provide instant, fraud-proof payment confirmation. Choose what works best for your business operations.

Unlike traditional SINPE Móvil where you wait for an SMS (which can be delayed or missed), Olanzo provides instant confirmation:

• When a customer scans your QR code and completes payment, you receive immediate notification on your merchant app or SoundBox

On the Merchant app you’ll see the payment confirmation, the amount and the history.

On the SoundBox payment terminal you’ll get a verbal confirmation of the received payment amount. This confirmation you can also repeat by pressing the M button on the SoundBox.

The Olanzo Marketing Suite is a comprehensive customer engagement platform included with your merchant account. It gives you professional marketing tools typically reserved for large enterprises:

Customer Intelligence:

• Customer identification and profile creation
• Purchase history and behavior analytics
• Customer segmentation tools

Marketing Tools:

• Merchant listing in the Olanzo app
• Create and send targeted campaigns
• Surveys and feedback collection
• Custom landing pages
• Email, SMS, and push notifications

Loyalty Programs:

• Points-based rewards system
• Digital stamp cards
• Coupons and special offers
• Cashback promotions

Olanzo is designed to work for businesses of all sizes and types:

• Retail stores: Clothing, electronics, grocery, convenience stores
• Restaurants & cafés: Quick service, full service, bars, food trucks
• Service businesses: Salons, spas, repair shops, professional services
• E-commerce: Online stores and delivery services
• B2B businesses: Distributors, wholesalers, suppliers
• Small businesses: Market vendors, home-based businesses, freelancers

Upon becoming a customer with Olanzo you open a bank account with our partner bank. You’ll receive any payment instantly into that bank account and can, if you wish, keep your fund in that bank account or transfer it to any other bank in Costa Rica.

Olanzo uses multiple layers of security to eliminate fraud:

• QR code verification: Each QR code is unique and encrypted
• Instant confirmation: No relying on SMS that can be spoofed or delayed
• Direct bank integration: All payments go through official SINPE channels
• Customer identification: Know exactly who paid you
• Real-time monitoring: Suspicious activity is flagged immediately

With traditional SMS-based SINPE, merchants face fraud risks from fake SMS messages or delayed confirmations. Olanzo eliminates these vulnerabilities completely.

Olanzo provides comprehensive support for any payment issues:

• If you suspect fraud contact us at soporte@olanzo.com
• Include transaction logs to track any disputed payments

Because all payments are processed through the official SINPE banking system, you have the same protections and recourse as any bank transaction.

Olanzo takes data privacy seriously and complies with all Costa Rican data protection regulations:

What we collect:

• Transaction data (amounts, timestamps, merchant information)
• Basic user information (name, phone number, email)
• Banking information only for payment processing (never stored)

How we protect it:

• Bank-level encryption for all data transmission
• Secure cloud infrastructure with regular security audits
• Never store banking passwords or credentials
• Compliance with PCI-DSS standards for payment processing

Merchants control their customer data and can delete it at any time. We never sell customer data to third parties.

Olanzo requires an internet connection to process payments in real-time, as it needs to communicate with the SINPE banking system and provide instant payment confirmation. Both the consumer and merchant need a data connection (Wi-Fi or cellular) to complete transactions. This ensures every payment is immediately verified and secure.

The entire onboarding process is designed to be fast:

• Application: Contact us on ventas@olanzo.cr, response within a day
• Verification once bank documents received: 24-48 hours for document review
• Equipment delivery (if needed): 1-3 business days
• Setup and training: 30 minutes

Most merchants are accepting their first payments within a week of applying, and often much faster for simple setups.

Yes! We provide comprehensive support to ensure you're successful:

• Initial onboarding training (remote or in-person)
• Training videos and documentation
• Marketing Suite training and best practices
• Ongoing support via phone, email, or chat
• Dedicated account manager for larger merchants

We offer multiple ways to get help:

• Email: soporte@olanzo.cr
• Help center: Extensive knowledge base with FAQs and guides
• For merchants: Dedicated merchant support team

Absolutely! Many merchants use Olanzo alongside cash and card payments, giving customers maximum flexibility. In fact, we recommend starting this way - let customers choose Olanzo when they prefer it (for the speed and rewards), while maintaining your other payment options. Over time, as more customers discover the benefits of Olanzo, you'll naturally see more transactions shift to this lower-cost method.

Olanzo is unique in several important ways:

• Built on SINPE: We're not introducing a new payment system - we're making the system Costa Ricans already love faster, safer, and more powerful
• No new accounts needed: Works with your existing bank account
• Instant adoption: 76% of Costa Ricans already use SINPE, so customer education is minimal
• Complete solution: We combine payment processing with customer identification and marketing tools
• Trusted infrastructure: All payments go through official banking channels
• Proven globally: Inspired by successful Nordic systems like Vipps and Swish, adapted for Costa Rica

We're here to help! Contact us at:

• Email: soporte@olanzo.com
• Visit: www.olanzo.cr
• Or download our app and start exploring today!

Join thousands of businesses and consumers making payments faster, safer, and more rewarding with Olanzo.