Accept Card Payments in St. Lucia
Accept card payments from tourists and locals alike. Get paid directly to your St. Lucian bank account.
Why HandyPay for St. Lucia?
St. Lucia's tourism-driven economy benefits from easy card payment acceptance. Tour operators, restaurants, and craft vendors can now accept cards without expensive equipment.
Country availability
What you can use in St. Lucia
These are the HandyPay tools available after merchant activation. Conditional tools have an extra currency or account requirement.
Payment links and QR codes
Create a hosted checkout and share it by WhatsApp, email, text, or a scannable QR code.
Recurring subscriptions
XCD recurring billing is supported, along with other supported subscription currencies.
Developer API and webhooks
Create one-time and recurring checkouts, then receive signed payment and subscription events.
Test mode
Use separate test keys, payments, customers, subscriptions, and webhooks before taking live payments.
WordPress and WooCommerce
Use the live WordPress.org plugins for payment buttons, forms, and WooCommerce checkout.
Shopify
The public Shopify integration is still in testing. Join the waitlist for launch updates.
Payouts and setup
Requirements for St. Lucia
- Availability
- Available now
- Payout currency
- XCD (East Caribbean Dollar)
- Payout destination
- Local Bank Account
- First live payout
- The first live payout is typically 7 to 14 days after your first successful payment. It can take longer in some countries or for higher-risk businesses.
- Later payouts
- After the first payout, funds generally move on a rolling schedule once they become available. Use the expected arrival date shown for each payout because bank processing and holidays can change the final date.
Bank details to have ready
- Account holder name
- SWIFT/BIC code
- Bank account number
Onboarding information
- Business registration information
- Owner or authorized representative details
- Government-issued identification
- Business website, product, or service information
- Eligible bank account details
Restrictions and conditions
- Merchant activation is subject to identity, business, bank-account, and risk review.
- Payouts are deposited in XCD. A currency conversion can apply when the customer pays in another currency.
- Available cards and wallets can vary by customer location, device, browser, currency, and merchant configuration.
- Instant payouts are not available on the cross-border payout route.
- Crowdfunding, donation, fund-contribution, and NFT use cases are not supported on cross-border payout accounts.
Last reviewed August 31, 2026. Payout timing and cross-border restrictions are based on the current Stripe payout documentation and cross-border payout rules. Account-specific dates shown in HandyPay remain authoritative.
Country FAQ
HandyPay in St. Lucia
Is HandyPay available for businesses in St. Lucia?
Yes. HandyPay merchant onboarding is available for eligible businesses in St. Lucia. Activation remains subject to business and identity review.
Which HandyPay tools can I use in St. Lucia?
Payment links and QR codes, Recurring subscriptions, Developer API and webhooks, Test mode, WordPress and WooCommerce are available after your account is activated. Shopify is not publicly available yet.
Can I charge customers and receive payouts in XCD?
You can create eligible checkouts in XCD, and the default bank payout currency for St. Lucia is XCD. If a customer pays in another supported currency, currency conversion and related fees can apply.
Which payment methods can customers use in St. Lucia?
Customers can use eligible credit and debit cards. Apple Pay, Google Pay, and other methods appear automatically when the customer, device, browser, currency, and merchant account qualify.
How long do payouts take in St. Lucia?
The first live payout is typically 7 to 14 days after your first successful payment. It can take longer in some countries or for higher-risk businesses. After the first payout, funds generally move on a rolling schedule once they become available. Use the expected arrival date shown for each payout because bank processing and holidays can change the final date.
What bank details are required in St. Lucia?
Have these details ready: Account holder name, SWIFT/BIC code, Bank account number. The bank account must be eligible for payouts and its ownership details must match the information provided during onboarding.
What is required for merchant onboarding?
You will normally need business registration information, details for an owner or authorized representative, a government-issued ID, information about what the business sells, and an eligible bank account. Additional documents can be requested during verification.
Are there limits, reserves, or country restrictions?
Merchant activation is subject to identity, business, bank-account, and risk review. Payouts are deposited in XCD. A currency conversion can apply when the customer pays in another currency. Available cards and wallets can vary by customer location, device, browser, currency, and merchant configuration. Instant payouts are not available on the cross-border payout route. Crowdfunding, donation, fund-contribution, and NFT use cases are not supported on cross-border payout accounts. Any account-specific transaction limit or reserve is communicated during review or shown in your account.
What does HandyPay cost?
HandyPay's published standard price is 4.9% plus US$0.40 per successful transaction, with no setup fee or monthly platform fee. Currency conversion, disputes, refunds, banking, or account-specific charges can apply when relevant.
How to accept payments in St. Lucia
Download the app
Get HandyPay free from the App Store or Google Play. Sign up in minutes.
Create a payment link
Generate a QR code or payment link for any amount. Share via WhatsApp, SMS, or email.
Get paid in XCD
Receive settled funds in XCD to your eligible St. Lucia bank account. Track the expected arrival date for each payout.