Trinidad & Tobago

Frequently Asked Questions (FAQ)

Step 1: Sign up for a FREE WiPay account using the Sign Up button on our website 

Step 2: Add bank account details and upload associated documents using the account portal or email the supporting documents to
NOTE: Due to Central Bank regulations, only a Business bank account in such company’s name can be added to a Business WiPay account – not a Personal bank account. (Commingling of funds)

Step 3: WiPay’s Team will verify the bank account information and documents and upgrade account once requirements are met.

Step 4: WiPay will assign a unique Developer ID to the WiPay account once account has successfully been verified.

Step 5: Business then creates their own unique Business key using the Developer tab when logged in to their account.

Step 6: Download Plugin off of WiPay’s website under Support – Developer “API documentation.”

Step 7: Business’ developer integrates payment gateway on to business’ website. Business key and Developer ID found under the Developer tab of the business’ WiPay account would be needed to activate the plugin. As an integrated solution, customers can pay with WiPay using:

  • Credit Card
  • WiPay  Top Up Voucher code
  • WiPay Wallet

NOTE: You will receive a confirmation notice at the end of every successful transaction! If using Sandbox mode (testing) no charges would be made.

Step 1: Sign up for a FREE WiPay account using the Sign Up button on our website (There is no sign up cost)

Step 2: Upload your photo and all associated documents using your account portal or email the supporting documents to

Step 3: WiPay’s Team will verify your personal account information and documents and upgrade your account once requirements are met.

Step 4: You’re ready to go!

Know Your Customer (KYC) is a process by which financial entities obtain information about the identity and address of the customers. This is required under the rules and regulations of the Central Bank.

Depending on what you need WiPay for, we have a solution for you. Level 1 allows you to sign up with WiPay and get a feel for the application and platform. Level 2 is for personal use and requires personal documentation to be submitted. Level 3 is for Merchant/Business use only and must be supported by business documentation.

Click here to view the KYC Table

WiPay vouchers can be purchased nationwide at any WiPay Top Up Location. To use the voucher, it will cost an additional TTD$5 so be sure to purchase TTD$5 more than your desired amount on purchase!

The minimum value of a voucher that can be purchased is TTD$20. If you purchase a voucher for TTD$20, the additional TTD$5 will be deducted from this therefore the value you will end up with in your WiPay account will be TTD$15.

The maximum value of a voucher that can be purchased is TTD$3000.

Payments between Merchants and customers are monitored in real time therefore transactions will appear on merchant’s transaction log in their WiPay account immediately after a successful transaction has been made.

Transfers between merchants’ WiPay account and bank account take 5 working days before it appears in Merchant’s bank account.

Using the “Withdraw Money” tab on one’s WiPay Merchant Account, money can be transferred from a WiPay Account to the pre-approved Business Bank account that has been attached to the profile.

Currently, the withdrawal feature is available to transfer money to Business bank accounts ONLY. Funds that reside in an Individual’s WiPay Account can only be used to make purchases wherever WiPay is accepted.

No. WiPay is a platform that accepts existing credit cards.

There are no subscription fees nor any cost to move money from WiPay Account to WiPay Account. These are the processing fees:


Voucher Processing Fee: 
There is a flat TTD $5 transaction fee included for each voucher used.
E.g. If a customer needs a TTD $100 voucher, they should purchase a voucher for TTD $105 at the any WiPay Terminal.
This processing fee is only then deducted when the voucher is uploaded to the WiPay wallet or submitted as payment.

Credit Card Processing Fee: 
For customers using Credit Cards, there is a transaction fee of TTD $2.00 + 3% of the purchase value, which is deducted upon confirmation of purchase. 

Withdrawal Processing Fee: 

Our withdrawal feature is the process of your funds being transferred to the bank account attached, from your WiPay account. This transaction fee will be TTD $5 for each withdrawal done from the available balance on your WiPay account.

For information on fees between merchant and personal accounts, please click here.

You do not need a website to use WiPay. Businesses can utilize our invoicing/request payments feature. Customers can complete payments using the feature with or without a WiPay account.

The WiPay app is coming soon.

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