SKN Pay is a complete, already-live payment platform built on rails the region can call its own. We partner with banks and institutions to bring world-class card acceptance to Caribbean businesses — keeping the technology, the data, and the economics in-region.
Caribbean businesses are routinely told that the modern tools merchants elsewhere take for granted simply aren’t available here. International platforms often won’t onboard Caribbean merchants, settle only in foreign currency, or treat the region as an afterthought. Meanwhile, nearly every business owner has said some version of the same thing: “I wish a world-class option was available to us.” SKN Pay is that option — and it is built, deployed, and processing today.
SKN Pay is full payment infrastructure — the same building blocks a global processor runs, assembled and operated for this region.
Dashboards, payment links, branded invoicing, hosted checkout, refunds and real-time reporting — everything a merchant needs in one place.
One tokenised card works across every merchant on the platform — a cross-merchant checkout network that compounds in value as more businesses join.
Each merchant is routed to its own MID via a dedicated processor ID. Supports platform-gateway, own-gateway and payment-facilitator (PAYFAC) models.
Settlement aggregation, rolling reserves, fee schedules and EFT batch export — the machinery to operate as merchant-of-record and remit to sub-merchants.
A REST API and signed webhooks so a partner’s own portals, billing systems and apps can create payments and react to events programmatically.
The entire merchant dashboard and customer checkout can carry a partner’s brand, colours and logo — a payments product you can put your name on.
When Caribbean commerce runs on foreign infrastructure, the data, the margin and the control leave the region. SKN Pay is built so they don’t.
Processing margin and merchant relationships are retained locally, rather than exported to a foreign platform that simply rents access to the region.
Transaction data and cardholder relationships sit with a regional operator, under regional agreements — not buried inside an offshore provider’s systems.
Merchants deal with people in their own time zone who understand the local banking landscape — not a ticket queue an ocean away.
A shared platform other Caribbean institutions can extend, rather than each one rebuilding the same rails — a base for regional payment ambitions.
Card data is kept out of scope, secrets are encrypted, access is controlled, and sensitive actions are logged — by design, from the first line of code.
Card data never touches our servers — captured in PCI-certified tokenised iframes (SAQ A scope for merchants). The platform is run as an assessed service provider.
Built on NMI and EPX — among the most established names in card processing, with 150+ processor connections behind them.
Sensitive credentials and secrets are protected with AES-256-GCM; every page and transaction is served over TLS.
Mandatory multi-factor authentication for platform administrators, TOTP with backup codes, and bcrypt password hashing throughout.
Append-only audit logs for sensitive money-and-config actions, per-merchant activity trails, and continuous security-event monitoring.
Cardholder authentication with liability shift on fraud, tuned for the OTP behaviour of regional card issuers.
SKN Pay is a CenPOS product, built by a team with deep roots in Caribbean and UK merchant services and years of hands-on experience with NMI and regional acquiring.
This isn’t a generic platform retrofitted for the region. It was designed for the Caribbean from the first line of code — by people who have onboarded local merchants, sat across from local banks, and understand how the money actually moves.
From a light-touch referral to running the rails under your own brand — we’ll shape the model to fit your institution.
Refer your business customers to a ready-made acceptance platform and share in the relationship. No build, no technical lift — start adding value to your merchants immediately.
Your brand on the merchant dashboard and checkout, our platform underneath. Offer a modern payments product to your customers without building one from scratch.
Deeper integration for processors and institutions that want to build directly on the platform via API — for partners bringing their own roadmap and product.
Whether you’re a bank exploring a payments offering, a processor evaluating the rails, or a regulator who wants to understand the platform — tell us a little about you and we’ll be in touch.
Prefer email? Reach us directly at info@sknpay.com