So you’ve picked the perfect eCommerce platform for your business—whether you’re selling handcrafted jewelry, digital downloads, or even your grandma’s famous jerk sauce.
But now, the burning question is: How do I get paid?
For Jamaican entrepreneurs, finding reliable, affordable payment gateways can be a bit tricky. You’ve got options, but many of them come with limitations or restrictions that can make it tough to get your money into your hands.
Fear not! I’ve rounded up some of the best eCommerce payment gateways for businesses in Jamaica so you can make an informed decision and keep those sales rolling in.
Start getting Paid in Jamaica with these eCommerce Payment Gateways:
WiPay
Let’s talk about WiPay, one of the top payment processors across the Caribbean—and yes, that includes Jamaica! Whether you're a total tech novice or a seasoned pro, WiPay is here to make accepting payments a breeze.
From credit cards to bank transfers, and even top-up vouchers, this platform gives you serious flexibility to cater to all types of customers. And get this—you don’t even need a website to start using WiPay. With just an account, you can request payments or, if you do have a site, easily integrate it to accept online payments through invoices.
Here’s how it works: Once you make a sale, it takes about 10 working days for funds to transfer from your WiPay account to your bank account. A little patience, but totally worth it!
Why WiPay Rocks:
Simple integration with popular website builders like WooCommerce and Magento.
No US bank account needed—payments go straight to your Jamaican bank account.
WiPay vouchers let customers without a credit card pay in cash at specific locations.
Pricing: WiPay’s transaction fees range from 4.2% to 3.8% plus GCT processing fees. The cherry on top? They offer a free basic plan with a website plugin.
WiPay is perfect for entrepreneurs looking to keep it simple, flexible, and totally in tune with their customers’ needs!
AmberPay
Let’s talk about AmberPay, a fresh face in the payment gateway world that’s making waves, especially for Jamaican businesses. Whether you’re just starting out or looking to scale, AmberPay’s got your back with some seriously cool features.
AmberPay e-Stores lets you build your own eCommerce website in just a few simple steps—no fuss, no overwhelm. Plus, you get access to marketing tools and an analytics dashboard to track your growth like a pro.
If you’ve already got a website, AmberPay e-Link is the magic button you need to integrate payments seamlessly. You can request payments via QR code or link, manage invoices, and keep tabs on your business with their back-end platform.
Why You’ll Love AmberPay:
Local payment processing means faster payouts to your Jamaican bank account (yes, please!).
Easy integration with popular website builders and eCommerce platforms.
PCI-DSS Level 1 certified, so you know security is on lock. Both you and your customers can feel confident during transactions.
Pricing: AmberPay’s fees are competitive with others in the market, but the exact rates depend on your business type and transaction volume. Definitely worth checking out!
NCB eCommerce
Let’s dive into NCB eCommerce, a solid choice if you want a payment gateway backed by one of Jamaica’s biggest and most trusted financial institutions. With NCB eCommerce, you can accept credit card payments online, and the funds are settled directly into your local bank account.
It’s like having the support of a big bank while you run your small business—win-win!
For small and medium-sized businesses, NCB Payment Buttons make selling online a breeze. You can easily share a payment button on social media and accept payments in seconds—no tech expertise needed. Plus, NCB partners with DHL for streamlined shipping, so once you make a sale, getting products to your customers is effortless.
If you’ve got a custom website, NCB offers two main solutions:
First Atlantic Commerce Standard Payment Gateway: A fast, secure platform that processes multi-currency credit card transactions through MasterCard, Visa, and KeyCard. It also supports pre-authorizations, refunds, reversals—you name it.
First Atlantic Commerce Hosted Payment Page: This one’s perfect if you prefer a more hands-off approach. Your customers are redirected to a secure webpage hosted by FAC to enter their payment details, keeping everything safe and secure.
Why You’ll Love NCB eCommerce:
Backed by a trusted local financial institution—NCB.
Fast payouts to your Jamaican bank account. For transactions processed by 4:00 pm, you can expect funds as soon as the next business day!
NCB’s known for its top-notch customer support, so you’ll never feel stranded.
Pricing: NCB charges a setup fee (about $60 USD) and a transaction fee of $0.25 USD, plus MDR 4% on each sale. Keep in mind, all fees are subject to a 15% GCT charge. Fees can vary, so it’s a good idea to chat with NCB directly to get an exact quote.
Paypal
PayPal is a well-known, globally trusted payment gateway, and it’s available for Jamaican businesses—if you have a US bank account.
While not every Jamaican entrepreneur may have access to a US account, PayPal’s ease of use and integration with major eCommerce platforms make it a preferred choice for those who do.
Key Benefits:
Instant access to funds in your PayPal account.
Seamless integration with most eCommerce platforms like Shopify, Wix, and WooCommerce.
Excellent for international sales, thanks to its global reputation and ease of use.
Pricing: PayPal’s fees are generally 2.9% per transaction plus a fixed fee, depending on the country of the buyer.
Stripe (with Payoneer)
This is my absolute favorite for Jamaican entrepreneurs who don’t have a US bank account. Seriously, this combo is a dream come true.
Stripe is one of the most user-friendly and scalable payment gateways out there, and when you pair it with Payoneer, you unlock the ability to send and receive payments in over 22 currencies across more than 190 countries—including Jamaica! But here’s the kicker: you might not even need Stripe in some cases.
Payoneer allows you to connect its shopping cart plugins directly to popular eCommerce platforms like Shopify and WooCommerce with just a few clicks. And if you’re running your own site, you can easily embed Payoneer’s payment form right on your checkout page!
Even better, Payoneer is integrated with over 2,000 marketplaces like Amazon, Walmart, eBay, Airbnb, Fiverr, and more, making it seamless to receive marketplace payments without any headaches.
Why You’ll Love Stripe with Payoneer:
Stripe is highly customizable and integrates with most website builders and eCommerce platforms—making it super easy to set up.
With Payoneer, you can skip Stripe altogether in some cases, connecting Payoneer directly to platforms like Shopify or WooCommerce, or embedding their payment form on your checkout page.
Payoneer allows you to receive funds from Stripe into your Payoneer account and transfer them to your Jamaican bank account or withdraw via ATM.
Stripe also offers advanced analytics, recurring billing, and global payment acceptance for added flexibility.
Pricing: Stripe charges 2.9% + 30¢ per successful transaction. Payoneer’s fees vary depending on how you withdraw your funds, so you can pick the option that works best for you.
Website Godmother's Recommendation
Now that we’ve covered the best eCommerce payment gateways, let me give you the lowdown on what I’d personally recommend to make your life easier as a Jamaican entrepreneur:
Stripe with Payoneer—and here’s why.
This combo provides the best flexibility and ease of use, especially if you don’t have a US bank account. Stripe is one of the most scalable, user-friendly payment gateways available. It integrates with nearly all eCommerce platforms, provides robust analytics, and allows for recurring billing—perfect if you plan to scale or offer subscription services down the line.
Payoneer steps in to solve one of the biggest challenges for Jamaican entrepreneurs: getting paid internationally without the need for a US bank account.
By linking your Payoneer account to Stripe, you can receive funds into your Payoneer wallet and then transfer them directly to your Jamaican bank account or withdraw via ATM. And, in some cases, you can skip Stripe altogether and connect Payoneer directly to platforms like Shopify or WooCommerce—making it an even more seamless option.
In short, this setup gives you:
Access to global markets without banking restrictions.
Easy integration with top eCommerce platforms like Shopify and WooCommerce.
A flexible, scalable solution that grows with your business.
It’s reliable, convenient, and doesn’t break the bank with high fees or complicated setups. For small business owners just starting out or scaling their operations, this is the sweet spot between simplicity and functionality!
At the end of the day, you need a payment gateway that supports your vision and gives you the freedom to scale your business without unnecessary hassle. So take a deep breath, choose the best option for you, and start building the online store of your dreams.
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