Sign up and get verified
Tell us about your business and upload your documents online. Connect your own card gateway, or let YardPay collect Jam-Dex for you with no merchant account of your own.
Ways to take payment
Use your own card gateway, or let YardPay collect for you.
One platform either way. What changes is who holds the money.
Use your own card gateway
AvailableAlready take cards through your bank's gateway? YardPay connects to it and adds billing, reminders and reconciliation on top.
- Cards
- Your Mastercard Gateway (MPGS) account. First Atlantic Commerce coming.
- Your money
- Straight from your acquirer to your bank account, as it is paid. It never passes through YardPay.
- You pay YardPay
- The service fee only. See pricing
You can mix them: your own card gateway for cards, and Jam-Dex through YardPay, for example. Everything shows in one dashboard.
Who it's for
Built for businesses that collect regular payments.
Pick yours to see what a month of collections looks like.
Microfinance and lenders
Weekly and bi-weekly repayments, collected without a field agent at the door.
e.g. JMD 2,500 every Friday for 26 weeks
- Repayment schedules as recurring plans
- Reminders before each due date
- Missed payments chased and flagged as overdue
Friday repayments · week 14Example
CollectedJMD 87,500
Still owedJMD 12,500
J. Clarke2,500Paid · Jam-Dex
P. Grant2,500Paid · card
R. Hylton2,500Retried, paid
M. Shaw2,500Reminder sent
C. Allen2,5001 week late
How it works
From sign-up to your first collection in 1–5 days.*
Set up what people owe
Create a plan (weekly dues, a monthly fee, a repayment schedule) or send a one-off invoice or payment link.
Get paid and paid out
Customers pay by card or Jam-Dex QR, and YardPay reminds the ones who haven't. Card payments through your own gateway go straight to you; Jam-Dex collected by YardPay is paid out on the schedule you choose.
*Subject to business verification timelines.
When someone doesn't pay
The collections work, done for you.
Follow one gym membership through a declined card. Tap a step.
9:00
Tuesday 28 September
Kingston Fitnessnow
Your membership renews Friday
JMD 6,000 will be charged to your card ending 4242.
JMD 6,000 will be charged to your card ending 4242.
Your dashboard · Plan · O. HenryReminder sent
Features
Everything you need to bill, collect and pay out.
Recurring plans
Weekly, bi-weekly, monthly or any custom cycle. Customers can save a card to pay automatically; pause, resume or cancel any time.
Reminders and retries
Reminders before a payment is due and after it is late, by email, app notification and in-app message. Saved-card payments that fail are retried on days 1, 3, 7 and 14.
Invoices and payment links
Branded invoices with a QR code and a pay link. Partial payments are tracked until the balance is cleared.
Your gateway and Jam-Dex
Cards through your own Mastercard Gateway account with 3-D Secure, and Jam-Dex by QR through YardPay.
Jam-Dex payouts your way
Jam-Dex takings paid to your bank (ACH, RTGS, wire), a Jam-Dex wallet or cash pickup at an ATM, on your schedule.
One dashboard
Every card and Jam-Dex payment reconciled against what was owed, with overdue balances and payouts in one place.
Your team, your rules
Invite staff with their own roles; sensitive actions such as payouts can require sign-off first.
Built-in compliance checks
New customers and businesses are screened against international sanctions lists.
Developer API
REST API, webhooks with delivery logs, and a full test mode with test cards.
Ways to get paid
With or without a website.
Start today with payment links and invoices, no website required. Already have a website or your own system? Connect it with hosted checkout, our WooCommerce plugin or the API.
Payment links
AvailableSend a link on WhatsApp, SMS or email. Customers pay by Jam-Dex or card from their phone.
Invoices with QR
AvailableEvery invoice carries a QR code and a pay link, and shows as paid the moment it is.
In-person QR
Coming laterShow a Jam-Dex QR on a tablet at the counter. No card reader.
Pricing
Pay for payments that succeed. Nothing else.
One price list for both routes. Failed attempts and retries are never charged.
Loading the current price list…
FAQ
Questions merchants ask.
How can my customers pay?
By Visa or Mastercard, or by Jam-Dex, Jamaica's digital dollar issued by the Bank of Jamaica, paid from a phone wallet by scanning a QR code. You choose which options to offer.
Can I use my own card gateway?
Yes. YardPay connects to your Mastercard Gateway (MPGS) account, and card payments go straight to you from your acquirer. First Atlantic Commerce support is coming.
How much does it cost?
With your own card gateway, you pay YardPay a service fee and your acquirer's card fees stay as they are. Jam-Dex collected through YardPay pays a rate per payment, taken before your payout, instead of the per-payment fee. See Pricing above for the current price list. It is billed after each month to the card on file. Failed attempts and retries are never charged.
Do I need a merchant account from a bank?
Not for Jam-Dex. You collect Jam-Dex under YardPay's arrangement and we settle it to you, which is what lets a church, a school PTA or a small lender start without a bank's approval process. If you already take cards through your bank's gateway, you can keep using it.
How and when do I get my money?
Card payments through your own gateway reach you on your acquirer's usual schedule and never pass through YardPay. Jam-Dex collected by YardPay is paid out to your bank, a Jam-Dex wallet or cash pickup at an ATM, on the schedule you choose.
What happens when someone doesn't pay?
They get reminders before the due date and after it passes. If they saved a card, YardPay retries the payment on a schedule. The dashboard shows who is overdue and by how much.
How is my customers' information protected?
Card payments use 3-D Secure, and card details are entered in your gateway's own secure fields, so YardPay never sees card numbers.
How is my YardPay account kept secure?
Sensitive actions, such as changing where payouts go, approving a payout or issuing a refund, need a one-time code, and each one is recorded with who did it and when. You decide which team members can do what.
Can I connect my own system?
Yes. The REST API creates invoices, plans and payment links, and webhooks tell your system when money arrives. A test mode with test cards lets you build before going live.
When can I start?
We are onboarding a first group of merchants now. Request early access and we'll contact you to set up your account. Most businesses are collecting within 1–5 days, subject to business verification timelines.
Early access
Be one of our first merchants.
We are onboarding a small first group of lenders, associations, schools, landlords and subscription businesses. Tell us what you collect and we'll set you up.
We reply within two working days.
Most businesses are collecting within 1–5 days, subject to business verification timelines.
Use your own card gateway, collect Jam-Dex through YardPay, or both.