# Honduras — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/HN
> extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **Tigo Money** QR payment pioneer
- **6,400+ agents** nationwide network
- **WhatsApp QR** sharing feature
- **Western Union** remittance integration
- **Digital inclusion** focus

## Banking landscape

### Central Bank
- **Name:** Banco Central de Honduras (BCH)
- **Website:** https://www.bch.hn/
- **Role:** Monetary policy, payment oversight

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | BAC Honduras | Regional | BAC App |
| 2 | Banco Atlantida | Local | Atlantida Mobile |
| 3 | Ficohsa | Local | Ficohsa App |
| 4 | Banco de Occidente | Local | Occidente Mobile |
| 5 | Banpais | Local | Banpais App |

### Market Structure
- **Tigo Money:** Mobile wallet leader
- **6,400+ agents:** Nationwide coverage
- **Remittance corridor:** US-Honduras
- **Bank apps:** Growing adoption

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| Tigo Money | Millicom | Mobile wallet | Active |
| Bank transfers | Banks | Wire | Active |
| ACH Honduras | Banks | Clearing | Active |
| Remittances | Various | International | Active |

### Tigo Money Honduras
- Digital wallet service
- Free P2P transfers
- Store payments
- Bill payments
- 6,400+ agent network

### Agent Network
- Cash-in/cash-out points
- Nationwide coverage
- Remittance collection
- Service payments
- Balance top-up

---

## QR code standards

### Tigo Money QR

| Attribute | Value |
|-----------|-------|
| **Provider** | Tigo Honduras |
| **Feature** | Collect and pay QR |
| **Sharing** | WhatsApp, Messenger, Telegram |
| **Innovation** | QR file upload |

### QR Payment Features
- QR code generation
- QR code scanning
- Amount, concept, validity entry
- Share via messaging apps
- Camera scan or file upload
- Pay at favorite shops

### QR Sharing Options
- WhatsApp sharing
- Facebook Messenger
- Telegram
- Email
- Direct camera scan
- QR file upload

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Tigo Money | Millicom | Yes | Full QR |
| BAC App | BAC | Limited | Banking |
| Ficohsa | Ficohsa | Limited | Banking |

### Tigo Money Features
- Send/receive money free
- QR code payments
- Pay in stores
- Top-up balance
- Bill payments
- Utility payments
- Remittance collection
- Package purchases

### Remittance Integration
- Western Union
- MoneyGram
- Cash withdrawal at agents
- Direct to wallet

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [Tigo Money QR](https://docs.barcoder.ai/docs/payments/HN/tigo-money-qr) | Mobile QR | App | Active | — |
| [QR Sharing](https://docs.barcoder.ai/docs/payments/HN/qr-sharing) | Multi-platform | Messaging | Active | — |
| [Agent network](https://docs.barcoder.ai/docs/payments/HN/agent-network) | Cash | Nationwide | 6,400+ | — |

## Sources

- [Payment Media - Tigo Money QR Honduras](https://www.paymentmedia.com/news-5644-tigo-money-lanza-cdigo-qr-como-nuevo-mtodo-de-pago-en-honduras.html)
- [Google Play - Tigo Money Honduras](https://play.google.com/store/apps/details?id=hn.tigo.mfsapp)
- [App Store - Tigo Money Honduras](https://apps.apple.com/us/app/tigo-money-honduras/id943041659)
- [Indus App Store - Tigo Money Honduras](https://www.indusappstore.com/apps/finance/tigo-money/hn.tigo.mfsapp)

## Full country report

[HN-honduras.md](https://docs.barcoder.ai/docs/payments/HN)