Sources: central bank and provider disclosures, 2024–2025.
How Timor-Leste pays
Timor-Leste is one of Asia's youngest economies and still mostly pays in cash. Its official currency is the US dollar, with locally minted centavo coins for small change, so there is no local exchange rate to manage. Bank account and card ownership are growing from a low base, and digital payments are concentrated in Dili.
Much online spending on Timorese services comes from buyers abroad: travelers, development and business partners, and Timorese working in Australia, the United Kingdom and Portugal. For a merchant, the value is a clear starting point: international cards and express wallets behind one integration, 3DS on card-not-present payments, and retries across acquirers, priced in dollars with Portuguese- and English-friendly checkout.
Why merchants run on us here
Cards and wallets live today
International card acquiring and the express wallets, available now.
Moving buyers off cash
A trusted card checkout gives a cash-first market a simple way to pay online.
Buyers abroad
Travelers and Timorese working overseas pay with foreign-issued cards, so routing by card origin matters.
Dollar pricing
Price in USD, the local currency, and settle in your base currency.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Timor-Leste
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Timor-Leste like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Timor-Leste today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the US dollar (USD) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Timor-Leste?
Talk to our payments team about going live in Timor-Leste — coverage, local acquiring, settlement and timelines for your business.