Take Visa and Mastercard in US dollars through your own merchant account. No currency conversion, no exchange spread, and no waiting on an aggregator to release your money.
Start here
It depends on which payment gateway your merchant account runs on. Your bank usually recommends one when you apply, so the bank you choose is the best clue. These are the acquiring banks operating in Turks and Caicos and the gateways they typically recommend.
Scotiabank merchants use the eCom+ gateway, and our plugin for it is available today with modal checkout and 3D Secure 2.0. Ask Scotiabank to enable API access for refunds and captures, and tokenization with recurring payments if you want saved cards or subscriptions.
Typically recommends Scotiabank eCom+
Settles in Local currency, USD
Not sure which gateway your account runs on? Ask your merchant services contact, or send us what the bank gave you with the sensitive values removed and we will tell you.
Currency
US dollar
Conversion
None required
Settlement
Next business day
Transaction fee
None from us
Why this matters here
Turks and Caicos uses the US dollar as its official currency. That removes an entire category of friction that merchants elsewhere in the region spend real effort managing. Your visitors are quoted in dollars, they pay in dollars, and you settle in dollars. There is no conversion step and therefore no exchange spread quietly taken along the way.
This is precisely where aggregators look least attractive. Their usual pitch is convenience, but the convenience is largely about handling currency and onboarding. When neither is a problem, what remains is a percentage of every sale and a holding period of a week or more before you can touch your own revenue. For a villa manager or tour operator with seasonal cash flow, that delay is the expensive part, not the fee.
Going direct to your bank means funds settle into your own merchant account on the bank’s settlement schedule, and the only per-transaction cost is the bank’s own merchant rate under your agreement.
Pre-authorization lets you hold a deposit at booking and capture the balance later, or void it entirely if plans change. It runs from the WooCommerce order screen.
How it works
Ask your bank’s merchant services team for online card acceptance, confirm which gateway the account runs on, and request API access so refunds and captures work from WooCommerce.
Install our free sandbox build and run the supplied test cards through a full booking, including a refund, before the season starts rather than during it. Every feature is unlocked in sandbox, so nothing is held back from testing.
Swap in live credentials, take one small real transaction, and confirm settlement with the bank.
Tell us where you are in the process and we will tell you honestly what is left to do.
