Getting Paid With Paypal In Trinidad and Tobago

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 or Venture 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.

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


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.

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33 Comments

  1. Aurelia June 14, 2020 at 5:33 pm

    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?

    Reply
    1. keronrose June 14, 2020 at 6:17 pm

      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.

      Reply
      1. Sulan June 15, 2020 at 12:50 am

        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.

        Reply
  2. Rosalee June 14, 2020 at 6:28 pm

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

    Reply
  3. Zen June 14, 2020 at 8:22 pm

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

    Reply
    1. keronrose June 14, 2020 at 8:28 pm

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

      Reply
      1. Sulan June 15, 2020 at 12:51 am

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

        Reply
      2. Lisa Mohammed July 8, 2021 at 12:17 am

        Hey if I want to link my PayPal to RBC credit card for payments, it can’t work ?
        What else can I do? Would it work for fcb?

        Reply
        1. keronrose July 22, 2021 at 10:25 am

          You can use any of the options listed on this page or in the video.

          Reply
  4. Kurt Fuentes June 15, 2020 at 12:15 pm

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

    Reply
  5. Rachael June 15, 2020 at 12:35 pm

    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.

    Reply
    1. keronrose June 15, 2020 at 3:18 pm

      Hey…Sent you an email regarding this.

      Reply
      1. Arianne Brown Jordan August 24, 2021 at 5:54 pm

        Hi, this is also the problem I am having with my RBC credit card. Based on your article, I should try to open an JMMB account; any other option with my current set up?

        Reply
  6. Vanessa Lalloo June 15, 2020 at 3:12 pm

    Thanks for the useful information Keron.

    Reply
  7. Allan Samaroo June 15, 2020 at 3:35 pm

    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?

    Reply
    1. keronrose June 15, 2020 at 5:12 pm

      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.

      Reply
  8. Chris June 15, 2020 at 8:49 pm

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

    Reply
  9. Leona June 17, 2020 at 2:45 am

    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!.

    Reply
    1. Cj July 14, 2020 at 4:47 pm

      Hi the jmmb account is it a us or tt account

      Reply
  10. Sherwin July 31, 2020 at 9:47 am

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

    Reply
    1. keronrose August 3, 2020 at 5:32 pm

      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.

      Reply
  11. Shev August 6, 2020 at 9:40 pm

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

    Reply
    1. keronrose August 7, 2020 at 11:16 pm

      You get it within a few minutes.

      Reply
  12. Seno Ryan Jr August 13, 2020 at 6:20 pm

    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.

    Reply
    1. keronrose August 15, 2020 at 6:03 pm

      JMMB ONLY gives Visa Debit cards to personal accounts.

      Reply
  13. Shev August 18, 2020 at 1:41 am

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

    Reply
  14. J September 14, 2020 at 5:43 pm

    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?

    Reply
    1. keronrose September 17, 2020 at 10:10 am

      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.

      Reply
  15. Geeta Samlal November 25, 2020 at 4:40 am

    Hello, how are you? I am a freelancer at a company in the UK there method of payment is via PayPal unfortunately I don’t have a visa debit card, I am going soon to open a JMMB account, by the meantime can the company send the money to my PayPal account and can I use it to shop or make payments online?

    Reply
    1. keronrose July 22, 2021 at 10:27 am

      No, you can’t, you can only deposit the funds to one of the accounts listed, you won’t be able to do anything else with the funds in the wallet.

      Reply
  16. Sarah August 4, 2021 at 10:50 am

    Hi Keron,

    Do I need to connect the visa debit card to PayPal before I begin receiving funds into account?

    Reply
    1. keronrose August 4, 2021 at 11:22 am

      No you don’t…the money will sit in your wallet.

      Reply

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