E-commerce is booming in Jamaica. Consumers have discovered the convenience of shopping from their phones and having goods delivered right to their doors via local courier services. If you run a business in Jamaica, the fastest way to increase your revenue is to allow customers to pay with their credit or debit cards directly on your website.
To accept card payments online, you need an online payment gateway. A payment gateway securely processes credit card transactions, verifies funds, and deposits the money directly into your business bank account.
Here is a comparison of the top 5 payment gateways available for Jamaican websites in 2026.
1. WiPay Jamaica
WiPay is one of the most popular Caribbean payment solutions. It was designed specifically to address the barriers that small businesses face when trying to accept credit card payments.
- Supported Currencies: JMD and USD.
- Integration: Very easy to integrate with WordPress/WooCommerce and Shopify.
- Best for: Startups and small e-commerce stores looking for quick setup and low monthly overhead.
2. Fygaro
Fygaro is an all-in-one e-commerce platform and payment generator that integrates seamlessly with local banks.
- Key Features: Allows you to send direct payment links via WhatsApp/Email, generate digital invoices, and host a web shop.
- Bank Connection: Partners directly with NCB and Sagicor to process local funds smoothly.
- Best for: Professional service providers, freelancers, and growing retail websites.
3. NCB / First Atlantic Commerce (FAC)
For high-volume retail stores, linking directly with the National Commercial Bank (NCB) using the First Atlantic Commerce gateway is the gold standard.
- Pros: Extremely reliable, highly secure, lowest transaction percentage fees for local cards, and deposits directly into your NCB account.
- Cons: High setup fees, monthly maintenance costs, and a rigorous application process.
- Best for: Established enterprises, large online supermarkets, and high-volume e-commerce websites.
4. Sagicor Payment Gateway
Similar to NCB, Sagicor offers direct merchant integrations for websites looking to secure local transaction processing.
- Pros: Professional local support, secure JMD/USD transactions, direct integration with Sagicor business banking.
- Best for: Medical centers, educational platforms, and medium-to-large business websites.
5. PayPal
PayPal is the most widely recognized international payment processor in the world.
- Pros: Instant setup, no monthly fees, and built-in trust for international customers.
- Cons: Extremely difficult to withdraw JMD funds directly to a local Jamaican bank account without intermediate transfer systems.
- Best for: Businesses selling services, digital products, or crafts to international clients in the US, UK, and Canada.
Need E-Commerce Integration?
Integrating payment systems requires precise technical setup to prevent transaction errors. Let our expert developers integrate the perfect gateway for your store. Chat with us on WhatsApp (JA) or Connect internationally.