Correct, but that restriction only applies to iphone users not being able to set up Apple Pay by adding a credit or debit card issued in Costa Rica. It doesn’t apply to merchants (i.e., stores and other businesses), because for them to accept Apple Pay no support from the local banks is required; all they need is to have a terminal that can accept NFC contactless payment (and I hear many merchants do have them in Costa Rica, which means they can actually already accept apple pay for anyone who set it up with a non-Costa Rica issued card).