What you need before you start
Before you can create an ATH Movil Business account, make sure you have the following. These requirements are listed on ATH Business's FAQ page.
- A business authorized to operate in Puerto Rico
- You must be the owner or an authorized representative
- At least 18 years old and a legal resident of Puerto Rico
- An ATH debit card from a participating financial institution (Banco Popular, FirstBank, Oriental Bank, etc.)
- A valid email address
- A compatible mobile device (iOS or Android)
Download the ATH Business app
The ATH Business app is separate from the regular ATH Movil app. You need the ATH Movil Business app specifically to accept payments as a merchant.
Download it from the official app stores:
Register your account
Open the ATH Business app and follow the registration flow. During registration, you will need to:
- Enter your email address and verify it (a verification code is sent to your email)
- Provide your business information
- Choose your business pATH — this is the name buyers see when they search for your business in the ATH Movil app
According to ATH Business's FAQ, the business pATH is how customers find you, so pick something recognizable and easy to remember.
Link your ATH debit card
Add your ATH debit card to receive payments. This is the card where your funds will be deposited after each transaction.
You can add cards from any participating financial institution, including Banco Popular, FirstBank, and Oriental Bank.
Set up your business profile
Complete your business profile by adding your business name, category, and any other details that help customers find you.
ATH Business offers free marketing materials — including logos, stickers, and signage — to help you promote that you accept ATH Movil payments. You can download them at ath.business/en/materials.
What to expect with fees
According to ATH Business, ATH Movil Business charges 2.25% per transaction (minimum $0.06) with no monthly fees. Merchants can receive up to $10,000 per day.
For a full breakdown with real dollar examples, see our detailed guide: ATH Movil Business Fees Explained.
Tips for getting started
- Display the ATH Movil logo at your point of sale or on your website so customers know you accept it
- Download free marketing materials from ath.business/en/materials
- Test with a small transaction first to familiarize yourself with the payment flow
- Keep your business pATH short and recognizable so customers can find you quickly
- For online stores, ATH Business offers a WooCommerce plugin and a payment button you can add to your site
Frequently asked questions
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Can I use my personal ATH Movil for business?
No. You need the separate ATH Business app for commercial transactions. The personal ATH Movil app is designed for peer-to-peer transfers, not for accepting payments as a merchant. -
What banks work with ATH Business?
Participating financial institutions include Banco Popular, FirstBank, Oriental Bank, and others. You need an ATH debit card from one of these institutions to register. Check ATH Business's FAQ for the current list of participating banks. -
How long does registration take?
Registration can be completed in minutes through the app, as long as you have all the required documents and information ready. -
Is there a monthly fee?
No. According to ATH Business, ATH Movil Business charges no monthly fees — only the 2.25% per-transaction fee (minimum $0.06).
Registration steps are based on ATH Movil Business's official documentation. The exact process may vary as ATH updates their app. Visit ath.business for the most current information.