🧾 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| WiPay JamaicaWiPay tap-to-phone | Monthly cost of taking cardsJ$35,0003.5% on J$1,000,000 | mobile / app | 3.5% | 4.5% | J$25 | J$0 | J$0 | 3 days | ✗ No | Accept cards on an Android phone | 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
