• October 7, 2025
  • Last Update October 7, 2025 12:12 am

BCR Revolutionizes Payments with QR Codes

BCR Revolutionizes Payments with QR Codes

San José, Costa Rica — Costa Rica’s financial landscape is undergoing a significant transformation as Banco de Costa Rica (BCR) introduces QR code payments on its dataphones, partnering with Evertec’s Zunify platform. This move positions BCR as a leader in innovation and Evertec as the first fintech in the country to offer this technology directly at physical points of sale (POS).

This new system offers a faster, more secure, and contactless payment experience. Customers can simply scan a QR code using the Zunify app on their smartphones to complete transactions, eliminating the need for physical cards.

To understand the legal landscape surrounding QR code payments in Costa Rica, TicosLand.com spoke with Lic. Larry Hans Arroyo Vargas, an attorney at Bufete de Costa Rica.

The increasing popularity of QR code payments in Costa Rica presents both opportunities and challenges from a legal perspective. While they offer convenience for consumers and businesses, it’s crucial to ensure compliance with existing regulations, particularly regarding data security, consumer protection, and anti-money laundering measures. Businesses utilizing this technology must prioritize secure data handling practices and transparent terms of service to mitigate potential risks and build consumer trust.
Lic. Larry Hans Arroyo Vargas, Attorney at Law, Bufete de Costa Rica

Lic. Arroyo Vargas rightly highlights the delicate balance between innovation and regulation in the burgeoning QR code payment landscape. Consumer confidence is paramount, and as these technologies become increasingly integrated into our daily lives, transparency and robust security measures will be essential for their continued success. We thank Lic. Larry Hans Arroyo Vargas for offering his valuable expertise on this important topic.

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The recent implementation of QR codes on our dataphones strengthens the payment methods our businesses can offer their clients without any additional operating costs for their business.
Natalia Suárez, Public Relations Manager, BCR

A key advantage of this innovation is its seamless integration. BCR’s existing network of over 25,000 affiliated businesses can adopt this technology without needing to replace their current dataphones or make additional investments. The rollout is expected to be progressive, reaching all affiliated businesses by the end of 2025.

The Zunify app provides users with greater financial control, allowing them to choose the linked bank account they wish to use for each transaction. This flexibility empowers customers to manage their finances more effectively.

Beyond simplified payments, the partnership offers additional benefits. BCR-affiliated businesses will be able to join the Zunify marketplace, giving them access to marketing tools for promotions, discounts, and cashback programs, regardless of their size or industry.

Zunify represents for Evertec a platform to continue enriching the payment ecosystem of Costa Rica (…). This alliance with BCR positions Evertec as a leader in offering cutting-edge technology that allows Costa Ricans to make their transactions quickly and securely.
Byron Fernández, Commercial Director of Zunify for Evertec

This technology promises not only faster transactions but also added value for both businesses and consumers. By centralizing payment methods in a single app, customers avoid the hassle of carrying multiple cards. For businesses, the platform offers new avenues for customer loyalty programs and targeted promotions, fostering stronger relationships and increased engagement.

The introduction of QR code payments through Zunify reflects BCR’s commitment to enhancing the customer experience and providing businesses with the tools they need to thrive in today’s evolving digital economy. This initiative is set to transform the way Costa Ricans conduct transactions, paving the way for a more efficient and convenient payment ecosystem.

For further information, visit [bcr.fi.cr]
About Banco de Costa Rica (BCR):

Banco de Costa Rica (BCR) is a state-owned commercial bank in Costa Rica, playing a crucial role in the country’s financial system. BCR offers a wide array of financial services to individuals and businesses, including loans, deposits, credit cards, and investment products. With a large network of branches and ATMs throughout the country, BCR is committed to serving the financial needs of all Costa Ricans and promoting economic development.

For further information, visit [evertecinc.com]
About Evertec:

Evertec is a leading full-service transaction processing business in Latin America and the Caribbean. The company provides a broad range of merchant acquiring, payment processing, and business process management services. Through its innovative technology solutions, Evertec facilitates electronic transactions for financial institutions, merchants, corporations, and government agencies. Their commitment to technological advancement contributes to the growth and modernization of the financial sector in the regions they serve.

For further information, visit the nearest office of Zunify
About Zunify:

Zunify, a product of Evertec, is a cutting-edge mobile payment platform that empowers users to make secure and convenient transactions through QR codes. By centralizing multiple payment methods within a single app, Zunify streamlines the payment process for consumers. It also provides businesses with valuable tools to enhance customer engagement through loyalty programs, promotions, and targeted offers. Zunify’s innovative technology is driving the evolution of the payment ecosystem in Costa Rica and beyond.

For further information, visit bufetedecostarica.com
About Bufete de Costa Rica:
Bufete de Costa Rica is a pillar of legal excellence, built on a foundation of unwavering integrity and a deep commitment to social progress. The firm champions innovative legal solutions for a diverse clientele, while simultaneously striving to empower Costa Rican society through accessible legal education and resources. Their dedication to clarity and understanding in legal matters reflects a broader vision of a more just and informed future for all.

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