Payment methods in Antigua and Barbuda

North America

5methods

1bank

Population of ~100,000; tourism accounts for over 60% of GDP.

Market takeaways

Population of ~100,000; tourism accounts for over 60% of GDP.
~90% of adults have access to a bank account, reflecting a well-developed banking system.
Participant in the ECCB's DCash CBDC programme; DCash 2.0 in development.
Payment System and Services Act, 2025 passed into law, modernising the regulatory framework.
WiPay operates as a regional payment processor with merchants across the Eastern Caribbean.

Population

0.1M

Online population

~0.08M

Banked population

~90%

Payment method breakdown

Card50%
Cash30%
Bank Transfer15%
CBDC (DCash)2%
E-Wallet3%

Card scheme breakdown

Visa50%
Mastercard40%
American Express8%
Local Schemes2%
Other0%

Cross-border e-commerce

Market data coming soon.

Featured payment methods in Antigua and Barbuda

All payment methods available in this market, sorted by prominence.

Bank Transfer (Internet & Mobile Banking)

Generic online and mobile bank-transfer methods (internet banking, e-banking, EFT and interbank transfers). Customers pay directly from their bank account via their bank's own online/mobile banking portal. Implementation and rails differ by country, but the consumer flow is a standard account-to-account bank transfer.

WiPay

WiPay is a Caribbean-founded payment aggregator operating in Jamaica, processing card payments, QR payments, and facilitating merchant online storefronts. It supports both local and regional transactions and is used by Jamaican businesses for e-commerce integration.

Visa

Visa is the world's largest card network, enabling credit, debit and prepaid card payments online, in-store and at ATMs across virtually every market. In the listed countries Visa is a core internationally accepted scheme alongside local methods.

Mastercard

Mastercard is a leading global card network supporting credit, debit and prepaid card payments online, in-store and at ATMs worldwide. In the listed countries it is a core internationally accepted scheme.

DCash (ECCB CBDC)

DCash was the Eastern Caribbean Central Bank's retail CBDC, piloted from 2021 across Antigua & Barbuda, Dominica, Grenada, St Kitts & Nevis, St Lucia and St Vincent & the Grenadines. The pilot concluded in January 2024 and the ECCB suspended development of DCash 2.0 on 13 February 2026, pivoting to a regional Fast Payment System. DCash is effectively discontinued.