ONVO Pay

Financial Services90% confidence

ONVO Pay is a Costa Rica–based online payments platform that enables businesses to accept cards and local payment methods through a single, cloud-based solution.

San José, Costa Rica
onvopay.com

About ONVO Pay

ONVO Pay is a fintech payment platform operated by ONVO Costa Rica S.A., providing digital payment infrastructure for businesses across Costa Rica and the broader region. It allows merchants to accept credit and debit cards (Visa, Mastercard, American Express) as well as local rails like SINPE and SINPE Móvil, and offers tools for subscriptions, recurring billing, payment links, POS, and e‑commerce plugins. The company focuses on intelligent payment orchestration, business analytics, and fraud prevention, with PCI DSS Level 1 certification and a modern API- and SDK-driven stack.([onvocostarica.com](https://onvocostarica.com/?utm_source=openai))

A charge reading like “moneyplus onvo pay santa ana CR” with merchant category code 5817 generally indicates that ONVO Pay processed a digital or online transaction on behalf of a merchant, not that you purchased something directly from ONVO itself. The descriptor may include additional wording (such as a product, brand, or campaign name like “moneyplus”) tied to the underlying business using ONVO as its payment gateway. You might see one-time purchases, subscription renewals, or test/authorization charges initiated via ONVO Pay checkout pages, payment links, or embedded payment forms.([onvopay.com](https://onvopay.com/en?utm_source=openai))

If you have questions about a charge, the first step is to look for a matching receipt or order confirmation email from the underlying merchant on the same date and amount, since ONVO often appears only as the processor on statements. Check any online accounts where you may have saved a card (such as memberships, SaaS tools, or local Costa Rican services) and review billing or subscription sections. If you still cannot identify the transaction, you can contact the merchant directly (if known) or reach out to ONVO Pay via their website support/contact pages and provide the date, amount, and the full descriptor so they can help trace it. As with any unrecognized charge, you can also contact your card issuer to dispute or block the card; they may request additional details and can place a temporary hold or reissue your card if fraud is suspected.([linkedin.com](https://www.linkedin.com/company/onvopay?utm_source=openai))

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to ONVO Pay.

  1. moneyplus onvo pay santa ana CR merchant category code: 5817

Frequently Asked Questions

Why does my bank statement show a charge from ONVO Pay or “moneyplus onvo pay santa ana CR”?

This descriptor indicates that your payment was processed by ONVO Pay, a Costa Rica–based payment gateway. The actual purchase was made from a merchant that uses ONVO to process its online or digital payments, and terms like “moneyplus” are often the merchant’s product, brand, or campaign name rather than ONVO itself.

How can I find out which merchant used ONVO Pay for this charge?

Match the date and amount of the ONVO Pay charge with any email receipts, invoices, or order confirmations you received around the same time. Check accounts where you may have stored your card (e.g., local subscriptions, online stores, or services in Costa Rica). If you still cannot identify it, contact ONVO via their website with the transaction date, amount, and full descriptor so they can help trace the underlying merchant.

What types of payments does ONVO Pay process?

ONVO Pay processes online and in‑person payments for businesses, including card payments (Visa, Mastercard, American Express), local methods like SINPE and SINPE Móvil, and recurring or subscription-based charges. You might see their name on your statement for e‑commerce purchases, recurring memberships, digital services, or payment links issued by a merchant.([onvopay.com](https://onvopay.com/en?utm_source=openai))

Could this ONVO Pay charge be a subscription or recurring payment?

Yes. ONVO Pay supports subscriptions and recurring billing, so some ONVO Pay descriptors correspond to ongoing services such as memberships, SaaS tools, or other recurring plans. Log into the relevant merchant’s website or app and review your billing or subscription settings to see if you have an active plan that matches the date and amount of the charge.([onvopay.com](https://onvopay.com/business-industry-services?utm_source=openai))

Does ONVO Pay place temporary authorization holds on my card?

Merchants using ONVO Pay can run authorizations to verify a card or to hold funds before capturing a payment, especially for higher‑risk or delayed‑fulfillment transactions. These may appear as pending charges that later drop off or convert into a final posted transaction for the correct amount. If you see a small or duplicate pending amount, wait a few days to see if it clears before escalating with your bank.

How do I request a refund for a charge processed by ONVO Pay?

Refunds must be initiated by the underlying merchant, not ONVO Pay directly. Contact the business where you made the purchase and request a refund according to their policy; once they approve it, they use ONVO’s dashboard or API to process the refund back to your card or original payment method. If the merchant is unresponsive or you suspect fraud, contact your card issuer to open a dispute.

How can I contact ONVO Pay if I cannot identify the transaction?

Visit onvopay.com and look for the support or contact section to submit a request, including the transaction date, amount, currency, and full statement descriptor (for example, “moneyplus onvo pay santa ana CR” and any MCC shown). ONVO’s team can typically look up the payment in their system and tell you which merchant processed the charge, though any refunds or service issues still need to be handled with that merchant.([linkedin.com](https://www.linkedin.com/company/onvopay?utm_source=openai))

Is ONVO Pay a legitimate company?

Yes. ONVO Pay is operated by ONVO Costa Rica S.A., a registered Costa Rican fintech company that provides PCI DSS Level 1–certified payment processing and is listed with the Costa Rican financial regulator (SUGEF) for certain financial activities. They serve thousands of regional businesses as a payment infrastructure provider, similar to other payment gateways.([onvopay.com](https://www.onvopay.com/devs?utm_source=openai))

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