Caribbean Guilder (XCG)
Published processing fees and market availability for the Caribbean Guilder (XCG) across 15 gateways, bank acquirers, and payment rails serving Curaçao, Sint Maarten. 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 15 gateways, bank acquirers and wallets serving XCG markets, including providers with published XCG fee schedules (2) and custom/quote-only processors (13).
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 |
| TilopayCuraçao & Sint Maarten online checkout. | 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 |
| CXPayCuraçao & Sint Maarten e-commerce gateway in Caribbean guilders (XCG). | Published fees |
| Republic Bank (e-Commerce & EndCash)Largest indigenous Caribbean banking group. Provides direct Visa/Mastercard e-commerce acquiring across Trinidad, Barbados, Guyana, Suriname and the OECS (~2.5%–3.5% custom MDR + monthly fee), plus the EndCash digital wallet in Trinidad. | Serves this market |
| CIBC Caribbean Merchant ServicesPan-Caribbean bank acquirer across 15+ islands and the official banking partner behind Fygaro's instant merchant onboarding. Direct bank merchant accounts run ~2.5%–4% + monthly gateway fee. | Serves this market |
| RBC Caribbean (EZPay 2.0 & Placetopay)RBC merchant acquiring in Curaçao & Sint Maarten. | Custom pricing |
| MCB Group (Maduro & Curiel's / CMB / WIB)Direct e-commerce card acquiring in Curaçao & Sint Maarten. | Custom pricing |
| Placetopay (Evertec)Evertec's regional payment gateway powering bank e-commerce checkout across Colombia, Ecuador (Datafast/Medianet), Chile (Getnet), Uruguay and the Caribbean (RBC EZPay). | Serves this market |
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 PayKingston, Jamaica-based platform for Caribbean businesses: QR codes, payment links and card checkout (Visa/Mastercard), with deposits to local bank accounts within one business day. Lists 35+ markets; company-confirmed live in Jamaica, Barbados, BVI, Turks & Caicos, Antigua, Bahamas and Cayman. Advertises 0.5% per transaction, confirm which payment methods that covers before comparing it to card rates. | Serves this market |
| SentooInstant local bank transfer in Curaçao & Sint Maarten; per-transaction tiered 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 (2 of 15 providers serving XCG). 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 XCG 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 15 providers serving XCG.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (13 additional providers serve XCG with custom or quote-only pricing—see all 15 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.
Monthly, plan & setup fees (XCG)
6 of 15 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) |
| 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) |
| CXPayDirect bank MID gateway plan via Placetopay: ~US$35–$50/mo | $0/mo + tiers | $0/mo (Aggregated) | $0–US$150 |
| 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 |
| RBC Caribbean (EZPay 2.0 & Placetopay)RBC EZPay 2.0 (Placetopay) virtual storefront / gateway subscription | Bank MID / custom | ~US$35–$65/mo | Bank underwriting |
| MCB Group (Maduro & Curiel's / CMB / WIB)MCB / Aruba Bank / CMB / WIB e-Commerce gateway + MID maintenance | Bank MID / custom | ~US$35–$65/mo | Bank underwriting |
| Placetopay (Evertec)Evertec gateway platform fee (often bundled by acquiring bank) | Bank MID / custom | ~US$30–$60/mo | Varies by bank |
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 |
| SentooNo 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 |
Caribbean Guilder (XCG) payment gateway FAQs
Which payment gateways and processors serve Curaçao, Sint Maarten (XCG)?
Sympli5 tracks 15 payment gateways, bank acquirers, and payment rails serving Curaçao, Sint Maarten (Caribbean Guilder, XCG), including PayPal, Adyen, Checkout.com, Tilopay, Powertranz, Fygaro and 9 others. Of these, 2 publish verifiable standard XCG per-transaction schedules and 13 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Caribbean Guilder (XCG)?
Among the 2 providers with publicly verified XCG schedules, the lowest headline variable rate starts at 3.75% + Cg. 0.45 via CXPay. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive XCG calculator on this page to compare exact net payouts.
Do XCG payment gateways charge monthly or setup fees?
Of the 15 providers serving XCG markets, 6 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 9 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 XCG transactions?
An international (foreign-issued) card fee applies when a customer pays your business in XCG 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.