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# Does PayPal Work in Jamaica?

The short answer is YES, but with major limitations. Here's exactly what you can and can't do.

📅 Updated: March 2026 · ⏱️ 6 min read
⚠️ The Short Answer: PayPal works in Jamaica for SENDING money and making purchases. But you CANNOT receive payments or withdraw to a Jamaican bank. If you're a business owner, you need an alternative.

## What PayPal CAN Do in Jamaica

Here's what actually works if you have a Jamaican PayPal account:

- Send money to friends and family abroad
- Make online purchases on international websites (Amazon, eBay, etc.)
- Link Jamaican credit/debit cards (Visa, Mastercard) to pay
- Pay for subscriptions like Netflix, Spotify, software tools

## What PayPal CANNOT Do in Jamaica

Here's where it gets frustrating:

- ❌ Receive payments from customers or clients
- ❌ Withdraw to Jamaican bank (NCB, Scotiabank, JN, etc.)
- ❌ Accept payments for your business
- ❌ Get a PayPal Business account with full features

Why This Matters: If you sell products or services online, you cannot use PayPal to get paid. You need a different solution.

## 7 Best PayPal Alternatives in Jamaica

Here are the payment gateways that actually work for Jamaican businesses:

Gateway | Best For | Fees | Payout
--- | --- | --- | ---
Lynk | Small businesses, retail | 1.5-2.5% | Same day
WiPay | E-commerce, online stores | 3.5-4.5% | 2-3 days
Fygaro | Service businesses, invoicing | 2.9% + $0.30 | Next day
NCB Gateway | Established businesses | 2.5-3.5% | 2-3 days
First Atlantic | Large volume, international | Custom | 3-5 days
BillExpress | Cash payments, bill pay | Varies | 1-2 days
Payoneer | Freelancers, international | 2% | Payoneer card

### Our Top Recommendation: Lynk

For most Jamaican small businesses, Lynk is the best choice because:

- Lowest fees (1.5-2.5%)
- Same-day payouts to your Jamaican bank
- Easy setup with QR codes
- Works with any bank account
- Mobile app for on-the-go payments

### For E-commerce Websites: WiPay or Fygaro

If you have an online store, WiPay and Fygaro integrate easily with WordPress/WooCommerce. We can set this up for you as part of our web design packages.

## Can Jamaicans Use Cash App, Venmo, or Zelle?

Unfortunately, no. These apps are US-only:

- Cash App - US only (not available in Jamaica)
- Venmo - US only
- Zelle - US banks only

Your best bet for peer-to-peer transfers in Jamaica is Lynk or traditional bank transfers.

## Frequently Asked Questions

Can I link my NCB or Scotiabank card to PayPal?
Yes, you can link your Jamaican Visa or Mastercard debit/credit card to PayPal to make purchases. However, you cannot receive payments or withdraw to these accounts.
Will PayPal ever fully support Jamaica?
There's no official timeline. PayPal has been "sending only" in Jamaica for many years. Don't wait for it — use local alternatives like Lynk or WiPay now.
I'm a freelancer — how do I get paid by international clients?
Use Payoneer. You get a US bank account number that clients can pay, and you can withdraw to your Jamaican bank or use the Payoneer Mastercard.
What about Skrill?
Skrill does work in Jamaica and allows receiving payments. Fees are higher than local options (around 4-5%), but it's an option for international payments.

### Need Help Setting Up Payments?

We integrate Lynk, WiPay, Fygaro, and other payment gateways into your website. Get paid online starting from just $149.

Get a Free Quote

## Bottom Line

PayPal works in Jamaica for spending money, but not for making money. If you're a business owner, freelancer, or anyone who needs to receive payments, use these alternatives:

- Local customers: Lynk
- Online store: WiPay or Fygaro
- International clients: Payoneer

Need help setting up online payments for your business? Contact us — we've integrated payment systems for 100+ Jamaican businesses.

### Related Articles

- Complete Guide to Payment Gateways in Jamaica
- How to Start a Business in Jamaica (2026)
- Website Design Packages with Payment Integration