Merchant decision question
A Honduras merchant is comparing bank-led acquiring and ecommerce acceptance through BAC with Ficohsa's FicoPay and FicoPOS route for card and mobile point-of-sale collection.
When BAC Honduras Comercio Afiliado may fit
Prioritize when the merchant wants to validate BAC ecommerce, Compra-Click, POS, affiliated-merchant setup, liquidation reporting, and BAC account requirements.
When Ficohsa FicoPay may fit
Prioritize when the merchant wants to validate FicoPay, FicoPOS, mobile acceptance, card workflows, support channels, and Ficohsa onboarding documents.
What to verify before integration
- Does the merchant need ecommerce checkout, payment links, physical POS, smartphone NFC acceptance, or a combined in-store and online workflow?
- What Honduras registration, bank account, tax number, operating permit, identity, ownership, and location documents are required?
- Which card brands, transaction flows, reconciliation reports, refund procedures, disputes, chargebacks, and support routes are available?
- What fees, taxes, settlement timing, payout account rules, reserves, terminal costs, and account maintenance terms will be confirmed in writing?
- How are failed terminals, duplicated sales, missing settlements, account changes, and risk reviews escalated?
Pricing and settlement note
Published pricing is suitable for initial screening only. Actual pricing can vary by country, industry, volume, settlement currency, integration model, and contract terms. Confirm the official pricing page or a provider quote before going live.
Do not treat country coverage or brand support as proof that a specific merchant entity, industry, payout currency, or settlement workflow is available.
Public sources to verify
- BAC Honduras affiliated merchant help page
- BAC Honduras services for affiliates
- Ficohsa FicoPay official page
Review notes
- Bank-led acquiring may require bank-account, tax, operating-permit, and location documents that vary by merchant type.
- SoftPOS, POS, ecommerce, and payment-link products should be qualified separately.
- Do not publish fee, settlement, or card-brand claims unless the bank confirms the merchant-specific route.
Questions merchants ask
Should we choose BAC Honduras Comercio Afiliado or Ficohsa FicoPay in Honduras?
Use the comparison to prepare verification questions. The answer depends on customer behavior, merchant entity, industry, provider route, risk review, pricing, settlement, refunds, disputes, and support.
Does this page confirm merchant eligibility?
No. Merchant eligibility must be confirmed with the PSP, acquirer, wallet operator, bank, scheme, or platform route before integration.
Are fees or settlement timing guaranteed here?
Published pricing is suitable for initial screening only. Actual pricing can vary by country, industry, volume, settlement currency, integration model, and contract terms. Confirm the official pricing page or a provider quote before going live.