Step 1: Sign Up for a Wipay Account

Sign Up

Step 2: Update Bank Info

We wire transfer within 3 days to the following banks

  • The Bank of Nova Scotia Jamaica Limited
  • Citibank, N.A.
  • First Global Bank Limited
  • FirstCaribbean International Bank (Jamaica) Limited
  • JMMB Bank (Jamaica) Limited (formerly JMMB Merchant Bank Limited)
  • JN Bank Limited (formerly Jamaica National Building Society)
  • National Commercial Bank Jamaica Limited
    Sagicor Bank Jamaica Limited

Step 3: Update Merchant Key

The merchant key will be used to verify each transaction. Every transaction produces a unique hash. The developer should verify this hash using their merchant key.

Step 4: Initiate Transaction

For testing purposes, here’s an example form you can implement on your website:

Sandbox Url: https://wipayjm.com/v1/gateway

Live Url: https://wipayjm.com/v1/gateway_live

All reporting features are disabled in the sandbox url.

Customers are redirected to a secure hosted checkout page where they would enter their credit card information

Testing on the live platform is strictly prohibited and Account will be bannedSandbox test card numbers(Any expiry and CVV2)

Step 5: Process/Verify Transaction

When the transaction is complete, the user will be redirected to the specified return_url

Status Success


Status Fail





The GET params can be easily retrieved using various languages (eg. PHP)

GET Params


It is strongly recommended for each transaction to verify the hash. The hash can be computed as seen below:

Verifying Hash

$merchant_key=//pull from your server
if($hash == $_GET['hash']) {
    //Hash matched

Our Rates

3% + $130 per transaction.. These rates are automatically deducted in the dashboard.

How do you get the money to your bank?

Simply go to the Withdraw Tab and enter an amount to withdraw (>$135)

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