Receiving Money With Paypal in Trinidad and Tobago

If there is one question that has ramped up during these Covid times, its how to get paid online and what’s the deal with Paypal in Trinidad and Tobago?

You might recall in March that I had some news about Visa taking a decision and Paypal responding with blocking push payments or deposits to Visa Enabled cards for the Caribbean. Now that message is still coming up for MANY people across the region.

From my personal correspondence with Paypal, they have been addressing this on a case by case scenario. If you are someone experiencing issues from receiving international clients, you need to report the error message to Paypal and their account specialist will review your account to rectify the issue.

So without further adieu, let’s breakdown the Paypal payment process for us here in Trinidad and Tobago.

What You Need

Here are all of the things you need to receive money from Paypal if you are in Trinidad and Tobago:

  1. Activate “Automatic Transfers” on your Paypal account. This can be done by speaking directly with a Paypal account specialist.
  2. Visa Debit card from JMMB, Venture Credit Union, PSCU Credit Union or Visa credit card. (Linx Visa Debit Cards CANNOT be connected to Paypal)

You can receive money internationally regardless if your account is personal or a business account in Paypal.

Paypal usually takes $5usd fee to manually deposit the funds to your account but because of Covid, they are waiving that fee. The processing fee is currently at 5.4% per transaction in USD.

Most people either have instant deposits to their JMMB or VISA cards, that show up within minutes or Paypal has put their account on a 30-day hold before releasing the funds. This is completely up to Paypal and their reviewal of your account.

JMMB also only gives out their Visa Debit cards to Personal accounts and not to their business accounts.

Paypal also does a free 1x Per Month transfer to your bank account that happens on the first of every month.

Paypal also reserves the right to NOT grant your account withdrawal access and the money in your Paypal wallet cannot be retrieved.

I will also recommend testing a small amount of money first to see if you are given access to withdraw the funds from Paypal.

That’s all you need to receive money from Paypal in Trinidad and Tobago.

If you are using platforms like Squarespace, Wix, Shopify, you will need to use Paypal to process your payments or you can contact Social Pay in order to purchase the Payment bridge that would allow for payments using Wipay.

I hope this is the missing link for some of you to finally get passed the hurdle of receiving payments online or from international clients.


  • Aurelia
    Posted June 14, 2020 5:33 pm 0Likes

    Hi Keron,
    Great article, thank for the update. Can you specify the time frame for transfers to the card? Or does it go case by case or by transaction type?

    • keronrose
      Posted June 14, 2020 6:17 pm 0Likes

      It’s either going to be instant or a 30 day hold…Paypal determines that though based on your account. All of my deposits are instant to my JMMB account.

      • Sulan
        Posted June 15, 2020 12:50 am 0Likes

        This is awesome, I am building out my ecommerce space and I need a seemless way to collect payments. O’m in Tobago however, is there a way for me to set up a JMMB account from here.

  • Rosalee
    Posted June 14, 2020 6:28 pm 0Likes

    This is so good to know . Didn’t realize that’s what was up. Now I know how to fix it .

  • Zen
    Posted June 14, 2020 8:22 pm 0Likes

    Is your paypal account a business one? Or personal? Great video and thanks for this!

    • keronrose
      Posted June 14, 2020 8:28 pm 0Likes

      I have a personal and business…I can receive on both.

      • Sulan
        Posted June 15, 2020 12:51 am 0Likes

        Did you need to connect a credit card for persons to send you money on your personal account

  • Kurt Fuentes
    Posted June 15, 2020 12:15 pm 0Likes

    Nice! I saw this article posted on Facebook and I’m glad I read it!

  • Rachael
    Posted June 15, 2020 12:35 pm 0Likes

    I have an RBC Visa credit card linked on paypal and they have actually stopped transfers to the card citing that the service is no longer available for my region. I therefore have funds in paypal right now that I cannot get on my card. They also do not allow me to use the funds in paypal for payments because of my region. I contacted them on both issues before and they simply say that it’s because of my region and there is basically nothing I can do.

    • keronrose
      Posted June 15, 2020 3:18 pm 0Likes

      Hey…Sent you an email regarding this.

  • Vanessa Lalloo
    Posted June 15, 2020 3:12 pm 0Likes

    Thanks for the useful information Keron.

  • Allan Samaroo
    Posted June 15, 2020 3:35 pm 0Likes

    Thanks for taking the time to write the article and create the video demonstration. I really appreciate it especially since you had previously wrote about PayPal blocking payments to Visa.

    Are the payments settled in USD or TTD? If TTD, how can I get payments settled in USD?

    • keronrose
      Posted June 15, 2020 5:12 pm 0Likes

      Hey Allan…You used to be be able to keep Paypal funds in USD by depositing it to your RBL VTM Card…So for those who still have one active, it stays in USD. If you don’t have one, unfortunately there is no way to keep it in USD in Trinidad. You will need to open up a US bank account.

  • Chris
    Posted June 15, 2020 8:49 pm 0Likes

    Hey thanks a mill for relaying this information. Via jmmb is the fund’s received converted to ttd or remains in usd?

  • Leona
    Posted June 17, 2020 2:45 am 0Likes

    Thanks a million for this information.

    Just sold my first story to a US magazine who are paying me via PayPal next month. I’ve been at my wits’ end trying to figure out how to access this and future funds from PayPal.

    I’ll be off to JMMB as soon as possible to open an account!.

    • Cj
      Posted July 14, 2020 4:47 pm 0Likes

      Hi the jmmb account is it a us or tt account

      • keronrose
        Posted July 19, 2020 11:30 am 0Likes

        TT account

  • Sherwin
    Posted July 31, 2020 9:47 am 0Likes

    Has Scotiabank restricted access to sending funds from PayPal to the new Visa Debit Card if shopping online locally?

    • keronrose
      Posted August 3, 2020 5:32 pm 0Likes

      All LINX Visa Debit cards, cannot be connected to Paypal period…It’s not a Scotia thing, it’s across the board…Only card that can connect to Paypla is JMMB.

  • Shev
    Posted August 6, 2020 9:40 pm 0Likes

    Hi Keron! How long does it take for your VTM Card to be credited with funds from PayPal?

    • keronrose
      Posted August 7, 2020 11:16 pm 0Likes

      You get it within a few minutes.

  • Seno Ryan Jr
    Posted August 13, 2020 6:20 pm 0Likes

    Good afternoon, Would a personal savings account at JMMB be suffice to link succes6with PayPal. Just asking since I know that they have different types of accounts.

    • keronrose
      Posted August 15, 2020 6:03 pm 0Likes

      JMMB ONLY gives Visa Debit cards to personal accounts.

  • Shev
    Posted August 18, 2020 1:41 am 0Likes

    Wow! It has been 2 weeks and I am yet to receive my funds. Sigh.

  • J
    Posted September 14, 2020 5:43 pm 0Likes

    I used RBC Credit Card before and it doesn’t work anymore. Is it that I need a JMMB Credit card to retrieve my funds from Paypal?

    • keronrose
      Posted September 17, 2020 10:10 am 0Likes

      RBC blocked the ability to receive Paypal Funds…as the article states…Yes, you can deposit funds into Jmmb, Venture Credit Union and PSCU has just been added to the list.

  • Emille Mcmillan
    Posted January 16, 2021 9:46 pm 0Likes

    Good day, I’d like to know if a branch for jmmb is opened in Tobago? Is it difficult to make an account? I need a Visa card as the only way for me to get paid is via PayPal, dose this still work in 2021? I’ve been hearing that it’s impossible to link a Visa card to PayPal unless you have a US account

    • keronrose
      Posted January 28, 2021 11:42 am 0Likes

      No, JMMB has not opened a branch in Tobago…Visit their website to keep to up date on that…Yes, you can connect a Visa Card to Paypal and get paid from it in 2021 here in T&T.

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