‹CompareJAby CRM Jamaica Group

🧾 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.

10 products · 9 providers

Indicative
Monthly cost of taking cardsJ$15,0001.5% on J$1,000,000
SolutionQR / wallet
Rate on local cards1.5%
Rate on foreign cards0%
Per-transaction feeJ$0
Terminal / platform fee (monthly)J$0
SetupJ$0
Days to settle1 days
Needs an account at this bank✗ No
NotesJamaican customers pay from the Lynk wallet; no terminal
Indicative
Monthly cost of taking cardsJ$30,0002.75% on J$1,000,000 + J$2,500
SolutionPOS terminal
Rate on local cards2.75%
Rate on foreign cards3.75%
Per-transaction feeJ$0
Terminal / platform fee (monthly)J$2,500
SetupJ$7,500
Days to settle2 days
Needs an account at this bank✓ Yes
Notes—
Sagicor Bank Jamaica

Sagicor Bank POS

Indicative
Monthly cost of taking cardsJ$32,0002.9% on J$1,000,000 + J$3,000
SolutionPOS terminal
Rate on local cards2.9%
Rate on foreign cards4%
Per-transaction feeJ$0
Terminal / platform fee (monthly)J$3,000
SetupJ$8,000
Days to settle2 days
Needs an account at this bank✓ Yes
Notes—
First Global Bank

First Global Merchant POS

Indicative
Monthly cost of taking cardsJ$33,0003% on J$1,000,000 + J$3,000
SolutionPOS terminal
Rate on local cards3%
Rate on foreign cards4%
Per-transaction feeJ$0
Terminal / platform fee (monthly)J$3,000
SetupJ$8,000
Days to settle2 days
Needs an account at this bank✓ Yes
Notes—
NCB (National Commercial Bank)

NCB Merchant POS

Indicative
Monthly cost of taking cardsJ$33,5003% on J$1,000,000 + J$3,500
SolutionPOS terminal
Rate on local cards3%
Rate on foreign cards4%
Per-transaction feeJ$0
Terminal / platform fee (monthly)J$3,500
SetupJ$10,000
Days to settle2 days
Needs an account at this bank✓ Yes
NotesRate negotiable on volume
Indicative
Monthly cost of taking cardsJ$35,0003.5% on J$1,000,000
Solutiononline gateway
Rate on local cards3.5%
Rate on foreign cards4.5%
Per-transaction feeJ$25
Terminal / platform fee (monthly)J$0
SetupJ$0
Days to settle3 days
Needs an account at this bank✗ No
NotesPayment links and e-commerce plugins
WiPay Jamaica

WiPay tap-to-phone

Indicative
Monthly cost of taking cardsJ$35,0003.5% on J$1,000,000
Solutionmobile / app
Rate on local cards3.5%
Rate on foreign cards4.5%
Per-transaction feeJ$25
Terminal / platform fee (monthly)J$0
SetupJ$0
Days to settle3 days
Needs an account at this bank✗ No
NotesAccept cards on an Android phone
Indicative
Monthly cost of taking cardsJ$36,0003.25% on J$1,000,000 + J$3,500
SolutionPOS terminal
Rate on local cards3.25%
Rate on foreign cards4.25%
Per-transaction feeJ$0
Terminal / platform fee (monthly)J$3,500
SetupJ$10,000
Days to settle2 days
Needs an account at this bank✓ Yes
NotesRate negotiable on volume
First Atlantic Commerce

First Atlantic Commerce gateway

Indicative
Monthly cost of taking cardsJ$37,5003.25% on J$1,000,000 + J$5,000
Solutiononline gateway
Rate on local cards3.25%
Rate on foreign cards3.75%
Per-transaction feeJ$40
Terminal / platform fee (monthly)J$5,000
SetupJ$25,000
Days to settle3 days
Needs an account at this bank✗ No
NotesVia an acquiring bank; suits larger online businesses
Fygaro

Fygaro

Indicative
Monthly cost of taking cardsJ$39,0003.9% on J$1,000,000
Solutiononline gateway
Rate on local cards3.9%
Rate on foreign cards3.9%
Per-transaction feeJ$50
Terminal / platform fee (monthly)J$0
SetupJ$0
Days to settle5 days
Needs an account at this bank✗ No
NotesInvoicing, online store and payment links

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 a table

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