🧾 Card Acceptance for Business
Taking cards costs 2–5% of every sale plus terminal rent. Banks, payment apps and online gateways compared on the merchant rate, fees and how fast you get your money.
| Provider & product | Monthly cost of taking cards | Solution | Rate on local cards | Rate on foreign cards | Per-transaction fee | Terminal / platform fee (monthly) | Setup | Days to settle | Needs an account at this bank | Notes | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| First Atlantic CommerceFirst Atlantic Commerce gateway | online gateway | 3.25% | 3.75% | J$40 | J$5,000 | J$25,000 | 3 days | ✗ No | Via an acquiring bank; suits larger online businesses | Visit ↗ | |
| WiPay JamaicaWiPay Jamaica online | online gateway | 3.5% | 4.5% | J$25 | J$0 | J$0 | 3 days | ✗ No | Payment links and e-commerce plugins | Visit ↗ | |
| FygaroFygaro | online gateway | 3.9% | 3.9% | J$50 | J$0 | J$0 | 5 days | ✗ No | Invoicing, online store and payment links | Visit ↗ |
About these figures. Merchant discount rates are the published or typical rate for a small retailer on local debit/credit cards; international cards, AmEx and card-not-present sales cost more. Banks negotiate rates by volume. Settlement time is to your bank account in Jamaica. Spotted a wrong number? Report it and we will check it within a day. Show as cards instead
