Jamaican Dollar (JMD)
Published processing fees and market availability for the Jamaican Dollar (JMD) across 16 gateways, bank acquirers, and payment rails serving Jamaica. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Caribbean payments guide · All Caribbean currencies
Who serves this currency
All 16 gateways, bank acquirers and wallets serving JMD markets, including providers with published JMD fee schedules (2) and custom/quote-only processors (14).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| TilopayAvailable in Jamaica (~3.95% + US$0.35 equivalent), confirm local currency settlement. | Custom pricing |
| WiPayFree plan 4.2%; paid plans 3.8%. GCT adds 15% of the percentage fee (free plan effectively 4.83%). USD billing also possible at 5% + US$0.30. | Published fees |
| PowertranzBermuda-based payment gateway serving acquiring banks and merchants across the Caribbean & Central America. Custom bank-linked pricing, typically 3–5%. | Serves this market |
| DimePayJamaican merchants ~3.5% + US$0.10 equivalent; settles in JMD or USD. | Published fees |
| FygaroConfirm rates during onboarding. | Custom pricing |
| CXPayCuraçao-based payment gateway serving the Dutch Caribbean and wider basin, integrating local acquiring banks and Sentoo. | Serves this market |
| 2Checkout (Verifone)Regional availability, ask for a quote. | Serves this market |
| NCB Jamaica (eCommerce & TFOB)Direct Jamaican bank merchant account + Cybersource/Powertranz gateway; custom MDR + monthly fee. | Custom pricing |
| CIBC Caribbean Merchant ServicesDirect bank acquiring in Jamaica. | Custom pricing |
| Scotiabank Caribbean (Scotia eCom+)Scotia eCom+ direct acquiring in Jamaica (Cybersource/Powertranz gateway). | Custom pricing |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalReceiving available in Jamaica, see country page. | Custom pricing |
| Amber PayHome market, gateway fully live in Jamaica. | Custom pricing |
| LynkMerchant rates unpublished; JAM-DEX transactions advertised as free; card cash-ins carry consumer fees. Contact Lynk. | Custom pricing |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (2 of 16 providers serving JMD). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified JMD rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 16 providers serving JMD.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (14 additional providers serve JMD with custom or quote-only pricing—see all 16 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| WiPayFree plan 4.2%; paid plans 3.8%. GCT adds 15% of the percentage fee (free plan effectively 4.83%). USD billing also possible at 5% + US$0.30. | 4.2% | JMD 0.00 | n/a | Same rate |
| DimePayJamaican merchants ~3.5% + US$0.10 equivalent; settles in JMD or USD. | 3.5%+0.2% international cards | JMD 15.00 | n/a | +0.2% |
Monthly, plan & setup fees (JMD)
9 of 16 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| TilopayDirect bank MID gateway connection plan: ~US$25–$45/mo | $0/mo + tiers | $0/mo (Aggregated PayFac) | $0 (aggregated) |
| WiPayPaid / Verified plan: US$50/mo (lowers rate to 3% + US$0.25 in TT; 3.8% in JM/BB/GD/GY) | $0/mo + tiers | $0/mo (Free / Starter) | $0 |
| PowertranzPowertranz gateway fee billed alongside your acquiring bank MID | Bank MID / custom | ~US$50–$100/mo | ~US$150–$250 |
| DimePayPay-as-you-go on standard merchant checkout & payment links | No monthly fee | $0/mo | $0 |
| FygaroeCommerce, invoicing & payment-link plans (US$15–$50/mo); also connects to bank MIDs | $0/mo + tiers | From US$15/mo | $0 (aggregator) |
| CXPayDirect bank MID gateway plan via Placetopay: ~US$35–$50/mo | $0/mo + tiers | $0/mo (Aggregated) | $0–US$150 |
| 2Checkout (Verifone)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| NCB Jamaica (eCommerce & TFOB)NCB e-Commerce Cybersource MID has monthly gateway fee; NCB TFOB link has low/no monthly fee | Bank MID / custom | ~US$35–$50/mo (eCom MID) | Bank underwriting |
| CIBC Caribbean Merchant ServicesDirect bank e-Commerce MID (Cybersource / Powertranz) or Fygaro bundle | Bank MID / custom | ~US$40–$75/mo | Bank underwriting |
| Scotiabank Caribbean (Scotia eCom+)Scotia eCom+ (Visa Cybersource) monthly gateway & merchant account maintenance | Bank MID / custom | ~US$45–$85/mo | ~US$100–$200 |
Wallets & other payment rails — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| PayPalStandard Checkout $0/mo; Advanced / Pro virtual terminal ~$30/mo in US/CA/UK | $0/mo + tiers | $0/mo | $0 |
| Amber PayContact Amber Pay for merchant plan & POS/gateway terms | Bank MID / custom | Custom / quote | Confirmed at onboarding |
| LynkNo monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
Jamaican Dollar (JMD) payment gateway FAQs
Which payment gateways and processors serve Jamaica (JMD)?
Sympli5 tracks 16 payment gateways, bank acquirers, and payment rails serving Jamaica (Jamaican Dollar, JMD), including PayPal, Adyen, Checkout.com, Tilopay, WiPay, Powertranz and 10 others. Of these, 2 publish verifiable standard JMD per-transaction schedules and 14 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Jamaican Dollar (JMD)?
Among the 2 providers with publicly verified JMD schedules, the lowest headline variable rate starts at 3.5% + JMD 15.00 via DimePay. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive JMD calculator on this page to compare exact net payouts.
Do JMD payment gateways charge monthly or setup fees?
Of the 16 providers serving JMD markets, 9 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 7 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for JMD transactions?
An international (foreign-issued) card fee applies when a customer pays your business in JMD using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In JMD, providers like DimePay (+0.2%) add an explicit cross-border card surcharge on top of their domestic rate.