Eastern Caribbean Dollar (XCD)
Published processing fees and market availability for the Eastern Caribbean Dollar (XCD) across 11 gateways, bank acquirers, and payment rails serving Antigua & Barbuda, Dominica, Grenada, St. Kitts & Nevis, St. Lucia, St. Vincent & Grenadines, Anguilla, Montserrat. 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 11 gateways, bank acquirers and wallets serving XCD markets, including providers with published XCD fee schedules (1) and custom/quote-only processors (10).
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 across OECS islands, confirm local settlement. | Custom pricing |
| WiPayGrenada: free plan 4.2%; paid plans 3.8%. Tax adds 15% of the percentage fee. | 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 |
| FygaroPuerto Rico-based platform serving the Caribbean (CIBC Caribbean partner): payment links, online stores, Tap-to-Pay. Monthly plans plus gateway fees; the percentage is confirmed during activation, not published. | Serves this market |
| Republic Bank (e-Commerce & EndCash)Direct bank e-commerce acquiring across OECS territories. | Custom pricing |
| CIBC Caribbean Merchant ServicesDirect bank acquiring across OECS islands. | Custom pricing |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalAvailable to merchants in 190+ countries; receiving capability varies by country. Cross-border fees are higher than domestic. | Worldwide |
| Amber PayOECS islands served (Antigua confirmed live), confirm pricing. | 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 (1 of 11 providers serving XCD). 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 XCD 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 11 providers serving XCD.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (10 additional providers serve XCD with custom or quote-only pricing—see all 11 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 |
|---|---|---|---|---|
| WiPayGrenada: free plan 4.2%; paid plans 3.8%. Tax adds 15% of the percentage fee. | 4.2% | EC$0.00 | n/a | Same rate |
Monthly, plan & setup fees (XCD)
5 of 11 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 |
| FygaroeCommerce, invoicing & payment-link plans (US$15–$50/mo); also connects to bank MIDs | $0/mo + tiers | From US$15/mo | $0 (aggregator) |
| Republic Bank (e-Commerce & EndCash)Direct Cybersource / Powertranz gateway MID maintenance; EndCash wallet QR has $0 monthly fee | Bank MID / custom | ~US$40–$65/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 |
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 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
Eastern Caribbean Dollar (XCD) payment gateway FAQs
Which payment gateways and processors serve Antigua & Barbuda, Dominica, Grenada and 5 more (XCD)?
Sympli5 tracks 11 payment gateways, bank acquirers, and payment rails serving Antigua & Barbuda, Dominica, Grenada, St. Kitts & Nevis, St. Lucia, St. Vincent & Grenadines, Anguilla, Montserrat (Eastern Caribbean Dollar, XCD), including PayPal, Adyen, Checkout.com, Tilopay, WiPay, Powertranz and 5 others. Of these, 1 publish verifiable standard XCD per-transaction schedules and 10 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Eastern Caribbean Dollar (XCD)?
Among the 1 providers with publicly verified XCD schedules, the lowest headline variable rate starts at 4.2% + EC$0.00 via WiPay. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive XCD calculator on this page to compare exact net payouts.
Do XCD payment gateways charge monthly or setup fees?
Of the 11 providers serving XCD markets, 5 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 6 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 XCD transactions?
An international (foreign-issued) card fee applies when a customer pays your business in XCD using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. Check the International card box in the calculator or review the Intl. cards column in the fee table to see how cross-border cards affect your net payout.