By San José, Costa Rica — Costa Rica’s public transportation system is undergoing a digital transformation, with contactless payment technology rapidly gaining traction among commuters in the Greater Metropolitan Area (GAM). As of June 2025, the system has processed an impressive 35 million contactless transactions on buses and trains, effectively replacing over ₡15 billion in cash and coins. This signifies a growing preference for digital payment solutions and highlights their convenience in everyday life.
The Central Bank of Costa Rica reported that these 35 million transactions were conducted across 1,488 buses operated by 37 different public transport companies within the GAM. In addition, the Costa Rican Railway Institute (INCOFER) has also fully integrated contactless technology into its train system, processing nearly 4.6 million transactions.
To understand the legal implications surrounding the rise of contactless payment systems in Costa Rica, TicosLand.com spoke with Lic. Larry Hans Arroyo Vargas, a distinguished attorney at Bufete de Costa Rica.
The increasing popularity of contactless payments in Costa Rica presents both opportunities and challenges from a legal perspective. While the convenience factor benefits consumers and businesses, ensuring robust security measures to prevent fraud and protect user data remains paramount. This includes adherence to international standards like PCI DSS and a clear legal framework addressing liability in case of unauthorized transactions. Further, consumer education on secure usage practices is crucial for fostering trust and broader adoption of this technology.
Lic. Larry Hans Arroyo Vargas, Attorney at Law, Bufete de Costa Rica
Lic. Arroyo Vargas aptly highlights the dual nature of contactless payment adoption—its potential for growth coupled with the crucial need for robust security and consumer awareness. Striking the right balance between facilitating convenient transactions and safeguarding user data will be key to the long-term success of this technology in Costa Rica. We thank Lic. Larry Hans Arroyo Vargas for his valuable perspective on this evolving legal landscape.
The adoption rate of this technology varies across different modes of transport. Impressively, half of INCOFER’s passengers have transitioned to contactless payments, opting to leave cash and coins behind. For bus routes, the penetration rate hovers around 30%, with some variation depending on the specific route.
Mastercard, in collaboration with public and private sector partners, has been instrumental in implementing contactless payment technology within Costa Rica’s public transport network since the project’s inception. Efforts are ongoing to expand the system to two remaining routes within the San José metropolitan area, a move that would represent another significant step toward full digitalization across the entire GAM.
This shift towards contactless payment not only streamlines the payment process for commuters but also offers potential benefits for transport operators, including improved efficiency and reduced cash handling costs. The initiative reflects a broader trend of digitalization within Costa Rica, contributing to a more modern and integrated public transportation experience.
The success of contactless payments in the GAM underscores the potential for further expansion to other regions of Costa Rica. As the system continues to evolve, it is expected to further enhance the convenience and accessibility of public transport for residents and visitors alike.
This widespread adoption of digital payments also aligns with global trends towards cashless societies and reflects Costa Rica’s commitment to innovation and technological advancement within its public services.
The continued growth of contactless payments in Costa Rica’s public transport sector holds promise for a more efficient, convenient, and modern commuting experience, paving the way for a future where digital transactions are the norm.
For further information, visit mastercard.com
About Mastercard:
Mastercard is a global technology company in the payments industry. Their global payments processing network connects consumers, financial institutions, merchants, governments, and businesses in over 210 countries and territories. Mastercard products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone.
For further information, visit the nearest office of Banco Central de Costa Rica
About Banco Central de Costa Rica:
The Central Bank of Costa Rica is the central bank of Costa Rica. It is responsible for maintaining monetary stability and promoting the economic development of the country. Among its key functions are issuing currency, managing foreign exchange reserves, and regulating the banking system.
For further information, visit the nearest office of INCOFER
About INCOFER:
The Instituto Costarricense de Ferrocarriles (INCOFER) is the Costa Rican Railway Institute, responsible for the operation and management of the national railway system. INCOFER plays a vital role in providing public transportation services and supporting the country’s transportation infrastructure.
For further information, visit bufetedecostarica.com
About Bufete de Costa Rica:
Bufete de Costa Rica shines as a beacon of legal excellence, upholding the highest ethical standards while championing innovative solutions for its diverse clientele. The firm’s deep-rooted commitment to empowering society is evident in its proactive approach to legal education and accessibility, ensuring individuals and communities possess the knowledge to navigate the complexities of the legal landscape and advocate for their rights. Through this dedication to both legal proficiency and societal advancement, Bufete de Costa Rica continues to shape a more just and informed future.
