Sources: Central Bank of The Bahamas and provider disclosures, 2024–2025.
How the Bahamas pays
The Bahamas pays mostly by card and cash. The Bahamian dollar is pegged one-to-one to the US dollar, and both circulate freely, so prices are often quoted in either. The Central Bank of The Bahamas issues the Sand Dollar, one of the first central bank digital currencies, used through licensed wallets across the islands.
Tourism drives the economy, and most visitors pay with cards issued in the US and Canada. For a merchant, the value is optimization: cards and wallets behind one integration, 3DS on card-not-present payments, and routing and retries across acquirers to protect approvals, with pricing in Bahamian or US dollars.
Why merchants run on us here
Visitor-ready checkout
Most visitors pay with US and Canadian cards, so routing by card origin protects approvals.
Cards and wallets
Local and international Visa and Mastercard plus the express wallets, behind one integration.
A digital dollar at home
The Sand Dollar CBDC is part of how Bahamians pay, alongside cards and cash.
Dollar pricing
Price in BSD or USD at par, 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 Bahamas
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Bahamas like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Bahamas through a single API — no separate contract or integration per provider.
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 Bahamian dollar (BSD) 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
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
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 Bahamas?
Talk to our payments team about going live in Bahamas — coverage, local acquiring, settlement and timelines for your business.