Payment methods in Trinidad and Tobago

North America

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Linx debit network processes ~78 million transactions annually, dominating electronic payments with 57.6% of the market.

Market takeaways

Linx debit network processes ~78 million transactions annually, dominating electronic payments with 57.6% of the market.
The Central Bank launched a payment modernisation strategy including a Joint Regulatory Innovation Hub with ~90 fintech entities engaged since 2020.
National E-Commerce Strategy 2025–2030 launched in March 2025.
Electronic payment breakdown: debit cards 57.6%, credit cards 24.1%, ACH EFT 14.9%, ACH ECC 4.4%.
TT consumers spend an estimated TTD 3+ billion annually on US e-commerce platforms.

Population

1.4M

Online population

~1.1M

Banked population

~80%

Credit card population

~30%

Payment method breakdown

Debit Card (Linx)58%
Credit Card24%
ACH / Bank Transfer15%
E-Wallet2%
Cash1%

Card scheme breakdown

Visa45%
Mastercard40%
American Express10%
Local Schemes (Linx)5%
Other0%

Cross-border e-commerce

Market data coming soon.

Featured payment methods in Trinidad and Tobago

Popular options based on coverage and prominence in this market.

ACH / EFT (Bank Transfers)

Automated Clearing House (ACH) electronic fund transfers account for 14.9% of electronic payments by volume. The ACH is used for payroll, bill payments, and business-to-business transactions. The Central Bank is working on modernising the national payment system to improve speed and cross-border interoperability.

Visa / Mastercard (Credit & Debit)

International card schemes are widely accepted across Trinidad and Tobago, particularly in urban areas, hotels, and larger retailers. Republic Bank, First Citizens Bank, Scotiabank Trinidad, and RBC Royal Bank are among the major issuers. Credit cards account for 24.1% of electronic payment volume.

WiPay Trinidad

WiPay, founded in Trinidad and Tobago in 2017, is a licensed payment aggregator that has grown into a pan-Caribbean fintech. It processes US$500 million+ annually across 12 countries and offers card processing, QR payments, remittances, and merchant payment links. WiPay is one of the most significant regional fintech success stories, with operations spanning the Caribbean, USA, and Colombia.

Linx (InfoLink)

Linx is Trinidad and Tobago's domestic interbank debit card payment network, operated by InfoLink. It processes approximately 78 million transactions annually and accounts for 41% of all electronic payment volume in the country. In Q3 2025, Linx alone processed 15.7 million transactions. All major TTD-issuing banks participate in the Linx network, enabling debit card payments at merchants and ATMs nationwide.