Payment methods in Honduras

Honduras's Automated Clearing House network facilitates interbank transfers for payroll, business payments, and bill settlements. Major commercial bank apps increasingly expose ACH transfers to retail customers via mobile banking applications.

TENGO is the digital banking and mobile wallet product offered by Banco Atlántida, one of Honduras's largest private banks. It provides cardless banking, mobile transfers, bill payments, and merchant QR payments for account holders, serving the segment of banked consumers who prefer app-based banking over physical branches.

Claro Pay is América Móvil's mobile money and digital payment service in Honduras, targeting prepaid mobile subscribers who lack traditional bank accounts. It enables P2P transfers, bill payments, and mobile top-ups, competing with Tigo Money for the mobile money segment.

Tigo Money is the mobile wallet operated by Millicom's Tigo Honduras, one of the most widely used digital payment platforms in the country. It allows users to send and receive money, pay bills, collect remittances via Western Union and MoneyGram, and pay merchants using QR codes. Tigo Money launched QR code payments with 6,400+ agents nationwide and has partnered with Visa to offer a linked Tigo Money Visa card accessible through the app.

International card schemes dominate formal digital payments in Honduras. Banco Atlántida, Banco de Occidente, BAC Honduras, and Banpais are among the major issuers. Cards account for approximately 45% of online payment volume, used primarily by urban consumers with bank accounts.