How to Accept Online Payments in the Caribbean (2026)
The Caribbean is one of the hardest regions in the world to accept online payments from, not because customers won't pay, but because the global gateways that dominate tutorials simply don't operate here. This guide lists what is actually available, island by island. We don't suggest workarounds like forming overseas companies; we list the gateways you can sign up with.
What's actually available
Stripe is not available for merchants registered in CARICOM countries or most Caribbean territories (other than Puerto Rico via Stripe US). Instead, Caribbean merchants choose between regional fintech aggregators, direct local bank Merchant IDs (MIDs) paired with Cybersource or Powertranz, and island-specific mobile wallets.
| Provider | Type | Markets Covered | Published Fee Schedule | Key Details |
|---|---|---|---|---|
| WiPay | Card Gateway / PayFac | TT, JM, BB, GD, GY (+ USD regionally) | TTD: 3.5% + TT$1.70 (paid 3% + US$0.25) JMD / GD / GY: 4.2% free / 3.8% paid BBD: 3.8% · USD: 5% + US$0.30 | No tax on fees in Trinidad; 15% tax on the % fee in JM, BB, GD & GY |
| DimePay | Card Gateway / PayFac | Jamaica (expanding across Caribbean) | 3.5% + J$15 (or US$0.10) | Visa partner; supports JMD & USD links, checkout & Tap-to-Phone |
| Tilopay | Card Gateway / PayFac | 25+ Caribbean & Central American markets | 3.95% + US$0.35 equiv. (+ local tax) | No bank MID required on aggregated plan; WooCommerce & Shopify plugins |
| CXPay | Card Gateway | Curaçao, Aruba, Sint Maarten, Cayman, JM, TT, BB, SR | 3.75% + 0.45 (XCG / AWG) | Supports both aggregated onboarding and direct bank MIDs via Placetopay |
| Fygaro | Card Gateway / Links | 30+ Caribbean & LatAm markets | Custom (% confirmed at onboarding) | CIBC Caribbean & Visa partner; pairs with Powertranz or Cybersource |
| Powertranz | Technical Gateway | Pan-Caribbean (30+ islands) | Custom (bank MDR + gateway fee) | Requires a direct Merchant ID (MID) from a partner Caribbean acquiring bank |
| Local Bank Acquirers NCB, Scotiabank eCom+, CIBC, Republic, RBC EZPay, Butterfield, MCB | Bank Acquirer + Cybersource / Powertranz | Island-specific (JM, TT, BB, BS, KY, XCD, AW, CW, SX) | ~2.5%–3.5% bank MDR + ~US$35–$100/mo gateway fee | Lowest per-transaction rate at volume; 2–6 week bank underwriting required |
Gateway landscape by currency
Every Caribbean currency below is split into two distinct tables: card gateways & bank acquirers first, followed by digital wallets, CBDCs & instant bank rails.
1. Card gateways & bank acquirers by currency
| Currency | Markets | Fintech Gateways (Published Rates) | Bank Acquirers & Custom Gateways |
|---|---|---|---|
| TTD | Trinidad & Tobago | WiPay (3.5% + TT$1.70, no tax; 3% + US$0.25 paid), Tilopay (3.95% + TT$2.40) | Republic Bank e-Commerce, RBC EZPay 2.0, Scotiabank eCom+, CIBC Caribbean, Fygaro, CXPay, Powertranz, Placetopay |
| JMD | Jamaica | DimePay (3.5% + J$15), Tilopay (3.95% + J$55), WiPay (4.2% free / 3.8% paid + GCT) | NCB Jamaica (eCommerce & TFOB), Scotiabank eCom+, CIBC Caribbean, Fygaro, CXPay, Powertranz |
| XCD | OECS: Antigua, Dominica, Grenada, St Kitts, St Lucia, St Vincent | Tilopay (3.95% + EC$0.95), WiPay (Grenada: 4.2% free / 3.8% paid + tax) | Republic Bank, CIBC Caribbean, RBC EZPay 2.0, Scotiabank eCom+, Fygaro, Powertranz |
| BBD | Barbados | WiPay (3.8% + tax), Tilopay (3.95% + Bds$0.70) | Republic Bank, CIBC Caribbean, Scotiabank eCom+, RBC EZPay 2.0, Fygaro, CXPay, Powertranz |
| BSD | Bahamas | Tilopay (3.95% + B$0.35) | CIBC Caribbean, Scotiabank eCom+, RBC EZPay 2.0, Butterfield Bank, Fygaro, CXPay, Powertranz |
| DOP | Dominican Republic | Azul by Banco Popular (3.95% + RD$10), CardNet (4.0% + RD$10), Mercado Pago (3.99% + RD$15), Pagadito (4.9% + RD$20) | Scotiabank eCom+ |
| BMD / KYD | Bermuda / Cayman Islands | Tilopay (3.95% + CI$0.30 in Cayman) | Butterfield Bank (BM & KY), CIBC Caribbean (KY), Scotiabank eCom+ (KY), RBC EZPay (KY), Powertranz (Bermuda HQ), Fygaro, CXPay |
| AWG / XCG | Aruba, Curaçao & Sint Maarten | CXPay (3.75% + 0.45), Tilopay (3.95% + 0.65) | MCB Group (Maduro & Curiel's / Aruba Bank / CMB / WIB), CIBC Caribbean, RBC EZPay 2.0, Powertranz |
| HTG / CUP | Haiti / Cuba | — | WiPay & Fygaro (Haiti, custom/USD) |
| GYD / SRD | Guyana / Suriname | WiPay Guyana (4.2% free / 3.8% paid + tax) | Republic Bank (GY & SR), Fygaro (GY), CXPay (SR), Powertranz |
2. Wallets & local payment rails by currency
| Currency | Markets | Wallets, CBDCs & Account-to-Account Rails | Published Rate & Notes |
|---|---|---|---|
| TTD | Trinidad & Tobago | EndCash (Republic Bank wallet), Amber Pay | EndCash QR/P2M via Republic Bank; Amber Pay custom onboarding |
| JMD | Jamaica | Lynk (JAM-DEX CBDC & wallet), Amber Pay, PayPal | Lynk merchant QR (custom/low-fee CBDC); PayPal 4.4% + fixed (USD settlement) |
| XCD | OECS | Amber Pay (live in Antigua & Barbuda) | Custom merchant onboarding |
| BBD | Barbados | Amber Pay, PayPal | PayPal 4.4% + fixed (receiving supported); Amber Pay custom |
| BSD | Bahamas | Kanoo Pays, SunCash / Sand Dollar, Amber Pay | Kanoo Pays: 2.5% + B$0.15 (Bahamas Sand Dollar CBDC & wallet); SunCash custom |
| DOP | Dominican Republic | PayPal | PayPal commercial checkout (3.95% + RD$20 equivalent); local bank withdrawal supported |
| KYD | Cayman Islands | Amber Pay | QR, payment links & wallet checkout (custom) |
| AWG / XCG | Aruba, Curaçao & Sint Maarten | Sentoo (instant A2A bank payment), Amber Pay | Sentoo connects directly to MCB, Orco, Banco di Caribe, Aruba Bank & CMB (custom merchant plans) |
| HTG / CUP | Haiti / Cuba | MonCash by Digicel (Haiti), TropiPay (Cuba) | MonCash: 2.0% merchant wallet in Haiti · TropiPay: 3.45% + CUP 15 wallet/link in Cuba |
| GYD / SRD | Guyana / Suriname | MMG (Mobile Money Guyana), Mope (Hakrinbank Suriname) | MMG: 1.5% in Guyana · Mope: 2.0% QR/wallet in Suriname |
Availability shifts; always confirm on the provider's own country list before committing. Every currency above has a live comparison page with current data dates.
The three routes that work
| Onboarding Route | Time to Go Live | Monthly / Gateway Fee | Per-Transaction Rate | Best For |
|---|---|---|---|---|
| 1. Fintech Aggregator (PayFac) WiPay, DimePay, Tilopay, CXPay, Fygaro | 1–5 days | $0 (or optional paid tier) | ~3.5%–4.2% + flat fee | Startups, SMBs, and stores testing volume without a bank MID |
| 2. Direct Bank MID + Gateway NCB, Scotiabank, CIBC, Republic, RBC + Cybersource / Powertranz | 2–6 weeks (bank underwriting) | ~US$35–$100/mo | ~2.5%–3.5% bank MDR | Established businesses processing >US$10k–$15k/month |
| 3. International Invoicing / Wallets PayPal (JM/BB/DO/BZ/GY), Lynk, MMG, Kanoo | Same day | $0 | 1.5%–2.5% (local wallets) or ~4.4% (PayPal) | Domestic QR/mobile buyers or solo freelancers billing abroad |
1. The fintech aggregator route (fastest to start, no bank MID required)
Sign up with a Payment Facilitator (PayFac) or regional aggregator that serves your island — WiPay, Fygaro, DimePay, Amber Pay, Tilopay or CXPay. Because they hold a master merchant account, you can usually go live in days without applying for a bank Merchant ID (MID) or paying monthly gateway fees. Expect roughly 3.5–5% per transaction at published rates.
2. The direct bank + gateway route (Cybersource / Powertranz — lower % at volume)
You cannot sign up for Visa Cybersource or Powertranz standalone in Jamaica or the wider Caribbean to settle funds — they are technical gateways, not acquiring banks. To use them, you apply for an e-commerce Merchant ID (MID) at a local acquiring bank (NCB, Scotiabank eCom+, CIBC Caribbean, Republic Bank, RBC EZPay, Butterfield or MCB). The bank underwrites your business (2–6 weeks) and issues your Cybersource or Powertranz credentials. You pay a monthly gateway fee (~US$35–$100/mo) plus a lower per-transaction bank MDR (~2.5%–3.5%).
3. The invoice route (for freelancers)
Solo freelancers in Jamaica, Barbados, Guyana, Belize and the Dominican Republic commonly bill through PayPal's international invoicing. Fees run higher than card processing (3.5–4.5% all-in with conversion), but there's no setup, no entity, and withdrawal to a local bank is supported in receiving-enabled markets.
What's changing in the region
- Amber Pay and DimePay are expanding from Jamaica across the region, both are new, so confirm their live island list and card rates directly.
- Curaçao and Sint Maarten switched to the Caribbean guilder (XCG) on 31 March 2025, replacing the Antillean guilder at par.
- Fygaro's Tap-to-Pay and CIBC partnership is widening smartphone-based accepting across CARICOM banking customers.
Next steps
- Check your currency's page for the current comparison table and every provider that serves your market.
- Run your typical sale through the fee calculator in USD or TTD.
- Before signing anything, confirm the provider's own availability list, this guide is a map, not a contract.
This guide is general information, not legal or tax advice.