Take Visa and Mastercard in GYD or USD through your own Scotiabank eCom+ merchant account, on infrastructure that will still be right for you when the business is several times its current size.
Currencies
GYD and USD
Settlement
Next business day
Licence cost
Flat, not per sale
Transaction fee
None from us
Why this matters here
Guyana is expanding faster than anywhere else in the region, and businesses here are coming online at a pace that makes the usual advice unreliable. A payment setup chosen for the volume you do this quarter can look expensive very quickly.
This is the practical argument against aggregators and percentage-fee plugins. A three and a half percent cut is tolerable on modest revenue and painful on serious revenue, and it grows precisely as you succeed. A flat annual licence does not move. At current pricing the plugin costs the same whether your store turns over ten thousand US dollars or a hundred and fifty thousand, so the cost per sale falls every year you grow.
The other thing that matters for businesses scaling quickly is not needing to rebuild. Pre-authorization, partial capture, refunds, saved cards and multi-store order prefixes are all already in the plugin, so the checkout you install now is still the right one when your operation is more complicated.
Order ID prefixing lets several WooCommerce stores share one Scotiabank merchant account while staying distinguishable in Merchant Admin reports.
How it works
Merchant services at Scotiabank Guyana handle the application. Ask for eCom+ by name, and confirm which currencies will be enabled on the account before you build your pricing around them.
Install the free build from WordPress.org and prove the flow with the supplied test cards. There is no time limit on sandbox mode, so take as long as you need.
Swap in live credentials, place a small real transaction, and confirm settlement with the bank.
WP Companion is an independent third-party developer and is not affiliated with or endorsed by Scotiabank. We do not process payments, hold funds, or act as a financial institution, and we never request internet banking usernames or passwords. All payment processing happens on Scotiabank's own secure platform.
Tell us where you are in the process and we will tell you honestly what is left to do.
