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Sint Maarten businesses can connect online checkout to local acquiring after receiving compatible Powertranz/FAC credentials from an approved institution. Powertranz's current map lists Republic Bank, RBC Royal Bank, and CIBC Caribbean for Sint Maarten. Genius Checkout then connects the gateway to supported stores, CRM funnels, payment links, QR codes, and custom applications.
Genius Checkout keeps each approved gateway as a distinct route. The merchant activates only the services and environments provisioned for its own account.
Hotels, excursions, rentals, restaurants, retailers, and professional services should compare the three routes using current currency and gateway information, not an older onboarding document.
Reviewed on September 25, 2026.
Ask three institutions the same technical questions
| Question | Reason |
|---|---|
| Is the profile provisioned on Powertranz/FAC? | Another gateway product will not use the same integration |
| Direct or HPP? | Determines credentials and checkout navigation |
| Which ISO currencies are enabled now? | Sint Maarten adopted the Caribbean guilder in 2025 |
| How does settlement work? | Transaction and settlement currencies may differ |
| Are refunds, partial refunds, voids, and captures enabled? | Required for normal order operations |
| Are tokenization and recurring transactions enabled? | Required for approved later charges and subscriptions |
RBC publicly identifies FAC in its Caribbean eCommerce offering, while CIBC Caribbean publishes eCommerce merchant services. Republic Bank should confirm its exact Sint Maarten implementation.
Treat the currency transition as a migration task
Do not only change ANG to XCG in a dropdown. Review product prices, tax rules, accounting exports, receipts, refunds, gateway currencies, and any stored subscription amounts. Ask the chosen institution what the current merchant profile expects and how older records will appear.
Visitor businesses may also discuss USD pricing. The checkout should state the transaction currency in full and the receipt should repeat it.
Use a payment route suited to the sale
A fixed excursion can be sold in WooCommerce or Ecwid. A concierge or rental enquiry can move through HighLevel and receive a payment request after confirmation. A restaurant, transport provider, or event can use payment links and QR codes. An established property-management system can connect through the API.
The chosen channel sends the order into Genius Checkout; Genius Checkout uses the approved Powertranz profile; the institution settles under the merchant agreement.
Direct and HPP need different testing
For Direct, confirm the card flow, 3-D Secure, tokenization where approved, and that no sensitive card data enters merchant logs. For HPP, confirm PageSet, PageName, top-level browser launch, cancellation, browser Back, and return to the correct order.
For both modes, test duplicate callbacks and interrupted returns. A gateway approval should be recoverable even if the buyer closes the final page.
Preserve each payment attempt
A declined payment, a retry, and a later balance are three transactions. Use a unique gateway order identifier for each and attach the source booking or invoice reference as metadata. This avoids duplicate-order errors and produces a complete audit trail.
Frequently asked questions
Which Sint Maarten institution should I choose?
Compare written approvals for current currency support, gateway mode, settlement, recurring capability, payment operations, support, and commercial terms.
Can the site accept USD and XCG?
Only if the merchant profile has both enabled. Test and reconcile each currency separately.
Can a hosted page open inside my CRM checkout?
Often the provider page must open at the top browser level. Genius Checkout's handoff should leave the CRM iframe before loading HPP.
Sources and next step
- Powertranz merchant locations
- RBC Caribbean eCommerce solutions
- CIBC Caribbean eCommerce
- Genius Checkout Powertranz overview
- Powertranz configuration guide
Create a Genius Checkout account or book a setup review with the current Republic Bank, RBC, or CIBC merchant pack.