Payments infrastructure, Caribbean & LatAm

Global payments. Delivered locally.

CX Pay is the commercial payment layer built on the region's banking rails. One integration brings the card networks, 70+ local payment methods, modern checkout, and bank-grade security to merchants and financial institutions across the Caribbean, Latin America, and the US Pacific Territories. Your local bank is always the acquirer and the party holding your funds. 21 banking partners, 31 territories, one platform.

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3DS 2.2 secure checkout 21 banks integrated 70+ local payment methods Local currency settlement

PaymentsToday

$23.00SucceededJust now

$148.00Succeeded12:38

$86.50Succeeded11:57

ITIsland Trade Co.$23.00

Handwoven beach towel$12.00

Sea salt caramel box × 2$9.00

Gift wrap$2.00

or pay with card

Card number

MM / YY

CVC

Pay $23.00

Secured by CX Pay · 3DS 2.2

Banking partners across 31 territories

CIBC Caribbean Scotiabank RBC 1st Citizens BAC Credomatic Banesco Global Payments NeoNet WorldPay (now Vantiv) Banco Popular Evertec National Commerce Bank Azul Maduro & Curiel's Bank Bonaire Maduro & Curiel's Bank Curaçao Caribbean Mercantile Bank Windward Islands Bank Orco Bank Sint Maarten Orco Bank Curaçao Aruba Bank Caribbean Mercantile Bank Aruba

Two ways to take payments.
One platform underneath.

Card Not Present for your website, app, and invoices. Card Present for your counter, table, kiosk, and route. Same vault, same dashboard, same settlement.

Card Not Present

Online Payments

Secure gateway with 3DS 2.2, customer vault, recurring billing, hosted payment pages, and 30+ pre-built platform integrations.

18 methods at checkout
3DSecure 2.2
SAQ-A scope reduction
Customer Vault
Recurring billing
Real-time fraud scoring

Explore the gateway

Card Present

In-Person Payments

Pre-certified PAX, Ingenico and ID Tech terminals shipped programmed for your bank. Plug in, sign in, accept cards on Tuesday.

Devices from USD 165, CIF Miami
PAX from USD 340, Ingenico from USD 451
Tap to Pay on Android
SoftPOS
Attended & unattended
QR, HPP, tickets

See terminals & pricing

Product spotlight: Property Management Solution

Built for the way the Caribbean hosts guests.

Plug your existing PMS into CX Pay and unlock branded guest portals, online check-in, automated deposits, smart-lock access codes, fraud protection, and more. We handle payments and risk. Your PMS handles the room.

Guest ExperienceBranded guidebooks, online check-in, upsells, deposits, smart-lock codes.

Payment SolutionsPayment links, pre-auth holds, 120+ gateways, recurring billing, refunds.

Risk, Fraud, ComplianceBiometric ID, authority reporting, chargeback protection, 3DS 2.2.

Explore Property Management See your PMS

65+

Property Management Systems supported

Live

Cloudbeds

Mews

Guesty

Hostaway

SiteMinder

Opera

Little Hotelier

RoomRaccoon

Lodgify

eviivo

Protel

+ 58 more

Property Management Solution, four reasons to activate it

Revenue you are not capturing today, captured automatically.

Every reservation carries leakage, a deposit that was not secured, an upsell never offered, a dispute without documentation. CX Pay closes the loop.

No-shows

Security deposit secured from the moment of booking. If the guest does not show, the charge is already authorised. No calls, no negotiation.

Captured at booking

Security deposit

Automatically held at confirmation. Released if there are no incidents, captured if there are. With a complete record of every step.

Auto hold & release

Upsells

Transfers, late check-out, local packages. Sent to the guest at the right moment, without you having to remember.

Right offer, right time

Chargebacks

Fraudulent chargebacks do not happen. Verified identity, authorised payment, and a signed agreement make disputes virtually impossible.

Disputes shut down

Connect your PMSGuesty, Hostaway, Lodgify, and 68 more. Takes less than 10 minutes.

CX Pay processes the paymentsLocal banks in 31 territories. Local currency settlement to your account.

Everything else runs automaticallyVerification, deposits, upsells, records. No manual steps.

Payment methods

Accept every method that matters in your market.

From the big four card networks to wallets, account-to-account, and local rails. CX Pay supports the methods customers actually want to pay with, in every region we serve.

Card networks

Diners Club

Wallets & one-click

Samsung Pay

QuickClick

venmo

Local Payment Methods

nubank

Asian & emerging

PSE

27 of 70+ supported methods shown. See every method by region

Regulated, monitored, protected

The risk and compliance layer is built in.

Every merchant and every transaction runs through the same controls our banking partners rely on, all on PCI-DSS Level 1 certified infrastructure.

AML screening

Anti-money-laundering checks on merchants and transaction flows, aligned with our banking partners.

KYB & KYC onboarding

Know-your-business and know-your-customer verification built into every merchant application.

Velocity controls

Gateway-level limits and monitoring that catch abnormal transaction patterns in real time.

Dispute management

Prevent, resolve, recover and inform, chargebacks handled end to end.

Learn more →

In their words

Trusted by operators across the region.

From global trust companies to family-run hospitality, merchants are building on CX Pay because the support shows up, the platform stays up, and settlement lands locally.

Working with CX Pay has been a significant step-change for our organization. We required a payment partner that could deliver reliability, scalability, and seamless cross-border capabilities, and they have exceeded expectations on every front. We consider them not just a vendor, but a trusted strategic partner.

Jonathan TrafankowskiRegional Finance Director, Trident Trust Company (B.V.I.) LimitedTrust & Corporate Services · BVI

Where CX Pay operates.

31 territories across the Caribbean, the Americas, and the US Pacific. Local acquiring, local currency settlement, local support, on rails that already exist in each market.

Full country list

Caribbean, 23 territories

CuraçaoArubaBonaireSt. MaartenTrinidad & TobagoJamaicaBarbadosBahamas+15 more

Americas, 6 territories

CanadaUSACosta RicaEcuadorGuatemalaPanama

US Pacific, 2 territories

GuamSaipan

Global payments. Delivered locally.

Two ways to take payments.One platform underneath.

Online Payments

In-Person Payments

Built for the way the Caribbean hosts guests.

Revenue you are not capturing today, captured automatically.

No-shows

Security deposit

Upsells

Chargebacks

One stack for every payment surface.

Online Payments

In-Person Payments

Property Management

Mobile & SoftPOS

QR & HPP

Dispute Management

Invoicing & Subscriptions SOON

Accept every method that matters in your market.

Built for the industries the region runs on.

Hospitality

Retail

Restaurants

Events

Short-stay

Subscriptions

The risk and compliance layer is built in.

AML screening

KYB & KYC onboarding

Velocity controls

Dispute management

Trusted by operators across the region.

Where CX Pay operates.

Caribbean, 23 territories

Americas, 6 territories

US Pacific, 2 territories

A family of brands, one platform.

From the CX Pay blog

Stop chargebacks before they become chargebacks

Tap to Pay is now the default, not the upgrade

The deposit you did not take is the money you will not get back

Ready to take payments,the local way?

Two ways to take payments.
One platform underneath.

Ready to take payments,
the local way?