The 2026 Payments Power 50, what the list tells you about where the money is going
Analysis of the 2026 Payments Power 50 list, what the patterns in consolidation, infrastructure, and regional representation mean for the payments industry....
Cross border payments in the Caribbean still cost too much and take too long
Why cross border payments in the Caribbean remain slow and expensive despite shared currencies and central banks, and what closing the gap would take....
Zero dollar transactions are not errors, they are reconnaissance
How criminals use zero dollar authorization requests to validate stolen cards, what the pattern looks like in transaction logs, and what merchants should flag....
Customer retention starts at the checkout, not after it
The connection between payment experience and repeat business is direct. Checkout failures lose customers before loyalty programs can start. Here is what the...
60% of online card payments are already tokenized, the other 40% are next
Network tokenization has reached 60% of global eCommerce transactions. What it does, why authorization rates improve, and why the remaining 40% on raw card...
What 64 FIFA matches taught us about payments in a pop up economy
Visa FIFA World Cup 2026 transaction data reveals spending surges, tap to pay growth and cross border patterns that mirror what Caribbean tourism markets...
Visa went from card network to commerce platform, and the numbers explain why
Visa’s shift from card network to commerce platform explained through revenue data, Visa Direct volumes, the Pismo and Featurespace acquisitions, and what it...
Your next customer might be an AI agent, not a person
PYMNTS and Visa surveyed 1,185 merchants across the US, Brazil, and UAE. 87% say checkout falls short, 63% are exploring agentic AI payments. What this means...
Visa changed the VAMP thresholds in April, here is what the new math looks like
Visa's VAMP program lowered the excessive threshold from 220 to 150 basis points in April 2026. A worked example of the new formula, what triggers...
The Caribbean is not waiting for FinTech, it is building it
The CBCS launched the Caribbean guilder, CARICOM endorsed a regional AI roadmap, and Future Caribbean ran a 40 team buildathon....
Fraud moved faster than your fraud rules did
AI is powering fraud attacks, zero dollar testing is rising, and merchants faced 3.7 different attack types on average in 2025....
Cards do the heavy lifting, local methods close the sale
Cards are the workhorse of Caribbean and Latin American commerce, and they account for around 98% of the volume we process. That is not an accident. The networks are global, familiar and…
Parking, laundry and after hours, unattended payments
There is a category of revenue here that only shows up when nobody is watching. The visitor who parks at the marina at 10 in the evening. The tenant who runs a laundry load on a Sunday. The…
Apple Pay and Google Pay are card payments in nicer clothes
Apple Pay and Google Pay are often mistaken for something new. They are not. Underneath the biometric prompt and the polished interface they are card payments, running on Visa, Mastercard,…
Countertop, handheld or phone, 3 attended options
An attended payment device is any terminal where a staff member is present when the customer pays. It is the workhorse of Caribbean commerce, the machine on the counter, the handheld at a…
One button, 4 card networks, zero card numbers stored
Online checkouts have a form problem. A card entry asks for a 16 digit number, an expiry, a 3 digit security code, a billing address, sometimes a postcode, sometimes a phone number. On a…
PCI DSS made simple, the case for a hosted payment page
Every online merchant has a version of the same worry. The customer is on your site, ready to pay, and now card data has to travel through your systems on its way to the network. Store any…
Stop chargebacks before they become chargebacks
Most merchants only meet the dispute process at the end, when a chargeback is already on the statement. By then it is slow, expensive and often unwinnable. The useful work happens earlier,…
Tap to Pay is now the default, not the upgrade
For years the standard question at a Caribbean counter was whether you take cards. That question is changing. It is becoming whether the customer can tap. Visa puts contactless at around…
The deposit you did not take is the money you will not get back
Every property owner in the region has a version of the same story. A booking for the last week of December. No deposit taken, because the platform handles it, or because the guest seemed fine, or because asking…
CX Pay introduces new brand identity after ten years of growth
New look reflects a decade of processing payments for merchants across the Caribbean and Americas. CX Pay, the payments partner for merchants across Latin America and the Caribbean, has announced a new brand. After…
David Levy Maduro on the AI InterConnect Podcast
Our Managing Director David B. Levy Maduro sat down with Laurent Cochet on the AI InterConnect Podcast to talk about what building payment infrastructure in the Caribbean and Latin America actually looks like from…
Gerónimo Chotin joins CX Pay for the Dominican Republic
We are proud to welcome Gerónimo Chotin to the CX Pay team. The Dominican Republic is a market we are serious about. It is one of the largest economies in the Caribbean, it has a deep tourism and hospitality…
CX Pay takes the chairmanship of the Curaçao Fintech Association
CX Pay B.V. is proud to take on the chairmanship of the Curaçao Fintech Association for the 2026 to 2028 term. The association exists because a handful of local companies decided the island's financial technology…
3 days at the Visa LAC Seller Summit in Cartagena
3 days of sessions in Cartagena, and a fairly clear picture of where payments in Latin America and the Caribbean is heading. These are the numbers and the arguments that stayed with us. Day 1, the direction of…
The market is not too small, it has been underserved
There is a conversation that comes round every couple of years about whether the Caribbean is a viable market for payments infrastructure. It is a conversation we know well, because we have been on the wrong end of…
10 years since our first transaction
Today marks 10 years since CX Pay processed its very first transaction. One payment, on one day, for one merchant. What started there has grown into a volume-driven payment ecosystem. As of this milestone that…
"Customers are asking to pay with Venmo or Zelle. What should we do?"
At the third annual Fintech Conference in Sint Maarten, organised by the Centrale Bank van Curaçao en Sint Maarten, a merchant put a question to the room. Customers keep asking to pay with Venmo or Zelle. What…
KFC Jamaica takes self-order kiosks island wide
KFC Jamaica has begun putting self-order kiosks into its restaurants. Customers work through the full menu on a touchscreen, build the order the way they want it, pay by card at the machine…
Chef Helmi Smeulders wins Best Caribbean Cookbook in the World
Chef Helmi Smeulders has been awarded Best Caribbean Cookbook in the World 2025 at the Gourmand Awards, for My Curaçao, A Culinary Road Trip . Helmi was one of the first entrepreneurs, back in 2016, to trust CX Pay…
CX Pay teams up with ChargeAutomation so properties get paid into their own bank
CX Pay has partnered with ChargeAutomation to bring automated guest payments to properties across the Caribbean and Latin America, with one difference that matters more here than almost anywhere else. The money…
On stage at the Exprodesk eCommerce Bootcamp in Aruba
CX Pay was proud to take the stage at Exprodesk's eCommerce Bootcamp, hosted by the Department of Economic Affairs, Commerce and Industry. It is an event we have supported through years of collaboration aimed at…
More than 70% of Caribbean transactions are still cash
Even today, more than 70% of transactions across the Caribbean are still cash. In many islands the figure is higher. Read it as a failure and it is discouraging. Read it properly and it is the opportunity. A region…
Looking for additional revenue?
Every business seeks to bolster its revenue streams. Whether it’s through price adjustments, refining packaging, or optimizing production lines, there’s a continual quest to maximize returns. However, these efforts…
CX Pay launches the SEN e-wallet in Sint Maarten
During the Islandpreneur 2023 held on the 29th and 30th of June at the Simpson Bay Resort in Sint Maarten, Curaçao based FinTech company CX Pay launched its demo version of the SEN Payment app and website. The…
CX Pay partners with Cybersource, a Visa solution
MIAMI, 7 December 2021. Curaçao based CX Pay B.V. today announced that the FinTech company has selected the payment and anti-fraud platform Cybersource, a Visa solution, to broaden its service offering while…
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