Honduran Lempira (HNL)
Published processing fees and market availability for the Honduran Lempira (HNL) across 10 gateways, bank acquirers, and payment rails serving Honduras. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Central & South America payments guide · All Central America currencies
Who serves this currency
All 10 gateways, bank acquirers and wallets serving HNL markets, including providers with published HNL fee schedules (2) and custom/quote-only processors (8).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| TilopayHonduras online checkout (+ISV). | Published fees |
| Pagadito4.9% + US$0.35 equivalent; settles to Honduran banks. | Custom pricing |
| PixelPay (BAC)Honduras standard e-commerce and payment link rate via BAC Credomatic. | Published fees |
| KushkiRegional LatAm paytech & direct acquirer founded in Ecuador. Custom enterprise and mid-market pricing across cards, cash vouchers and instant transfers. | Serves this market |
| dLocalEnterprise cross-border processor for emerging markets. Negotiated pricing: all-in roughly 2.7–7% by country and method; a published Shopify program listed ~4.9% + $0.30 + 2% USD. | Serves this market |
| BAC Credomatic (Compra Click & e-Commerce)Honduras direct acquiring & Compra Click. | Custom pricing |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalAvailable to merchants in 190+ countries; receiving capability varies by country. Cross-border fees are higher than domestic. | Worldwide |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (2 of 10 providers serving HNL). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified HNL rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 10 providers serving HNL.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (8 additional providers serve HNL with custom or quote-only pricing—see all 10 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| TilopayHonduras online checkout (+ISV). | 3.95% | HNL 8.75 | n/a | Same rate |
| PixelPay (BAC)Honduras standard e-commerce and payment link rate via BAC Credomatic. | 3.75% | HNL 0.00 | n/a | Same rate |
Monthly, plan & setup fees (HNL)
6 of 10 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| TilopayDirect bank MID gateway connection plan: ~US$25–$45/mo | $0/mo + tiers | $0/mo (Aggregated PayFac) | $0 (aggregated) |
| PagaditoNo monthly maintenance fee on standard regional PayFac account | No monthly fee | $0/mo | $0 (promo) / US$99 |
| PixelPay (BAC)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| KushkiRegional LatAm enterprise acquiring & aggregator contract | Bank MID / custom | Custom enterprise contract | Custom |
| dLocalCross-border & local LatAm/emerging market enterprise contract; min. volume applies | Bank MID / custom | Custom enterprise contract | Custom |
| BAC Credomatic (Compra Click & e-Commerce)Compra Click links often $0/mo; full e-commerce API gateway ~US$25–$45/mo | $0/mo + tiers | $0–US$35/mo | $0–US$100 |
Wallets & other payment rails — Monthly & setup fees
Honduran Lempira (HNL) payment gateway FAQs
Which payment gateways and processors serve Honduras (HNL)?
Sympli5 tracks 10 payment gateways, bank acquirers, and payment rails serving Honduras (Honduran Lempira, HNL), including PayPal, Adyen, Checkout.com, Tilopay, Pagadito, PixelPay (BAC) and 4 others. Of these, 2 publish verifiable standard HNL per-transaction schedules and 8 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Honduran Lempira (HNL)?
Among the 2 providers with publicly verified HNL schedules, the lowest headline variable rate starts at 3.75% + HNL 0.00 via PixelPay (BAC). Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive HNL calculator on this page to compare exact net payouts.
Do HNL payment gateways charge monthly or setup fees?
Of the 10 providers serving HNL markets, 6 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 4 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for HNL transactions?
An international (foreign-issued) card fee applies when a customer pays your business in HNL using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. Check the International card box in the calculator or review the Intl. cards column in the fee table to see how cross-border cards affect your net payout.