Republic EPay


Republic EPay is Republic Bank’s E-Commerce Solution for companies aiming to expand their business and attain regional and international reach.

Want to extend the reach of your business? Republic Bank EPay allows you to do just that.
Republic EPAY will provide:

  • Processing of Visa and Mastercard payments for Goods and Services
  • Fraud management services with 3D Secure merchant status and advanced transaction monitoring
  • Dedicated Service Representative
  • On the ground training on: e-commerce risks, best practices, fraud management and reconciliation
  • Customised reporting
  • Chargeback management to contain potential administrative/fraud related losses
  • Same day reimbursement for all payments made up to a specified time daily
  • Integration of Republic EPAY processing platform with your existing or proposed website at no cost
With this service, you can accept payments made using the following:
  • Local (Trinidad and Tobago) and international Visa credit cards
  • Local (Trinidad and Tobago) and international Mastercard credit cards


Key Benefits of Republic EPay are:
  • 24/7/365 access to your business by customers/suppliers
  • Access to local, regional and international customers/suppliers
  • Lower overhead costs
  • Cash flow improvement
  • Online reconciliation
Sign up for Republic EPay in two simple steps:
  1. Visit any branch of Republic Bank to obtain the Merchant Services Application form
  2. Complete the Merchant Services application form and return to the nearest Republic Bank branch along with the following documents:
    • For the Sole Trader – copies of Certificate of Registration and any form of valid ID
    • For the Partnership – copies of Certificate of Registration and any form of valid IDs for all partners
    • For the Limited Liability company – copies of Certificate of Incorporation/Continuance, Notice of Directors, Notice of Secretary and any form of valid IDs for all directors listed and the secretary
Our dedicated Merchant Services representatives will be in contact with you to complete the application process.

E-Commerce refers to the buying and selling of goods and/or services over an electronic system such as the internet.

E-Commerce offers your business competitive advantages such as:

  • 24/7/365 access to your business by customers.
  • Access to local, regional and international customers.
  • Lower overhead costs.

Once you have been approved for the e-commerce merchant facility, you will need to engage the service of a website developer to create or develop your website to accept VISA/Mastercard credit cards. We will work with you, your website developer and our payment gateway provider to get you up and running.

Our payment gateway partner provides the service and technology, for a fee, that authenticates and allows e-commerce merchants to accept credit cards on their website. It is for this reason that you will need to ensure your website is integrated with our payment gateway provider.

Republic EPAY provides:

  • A hosted solution where card details are entered on the payment gateway’s compliant payment page and you do not capture, process or store card data on any of your systems. This provides security to the shopper.
  • A simple payment structure – you make payments to us and we will reimburse the payment gateway provider.
  • Full support to you, our merchant, to help you get your e-commerce channel operational.
  • Additional tools for fraud and transaction monitoring.

We strongly recommend that you:

  • Do not store any cardholder data on your website.
  • Do not use generic or default passwords that were provided by a vendor.
  • Train employees on security basics.
  • Ensure that you are not compromising quality because of cost, where security is concerned.

To create your website, you will have to engage the services of a website developer to develop and maintain your virtual storefront. It is recommended that the following standards be adopted:

  • Search Engine Optimization (SEO) – This is to increase your website’s visibility in a search engines’ search results.
  • Simple Checkout – The checkout must be a seamless and uninterrupted transition from the shopping experience.
  • Accessibility – Your website must be displayed consistently across all major browsers, e.g.: Internet Explorer, Mozilla Firefox, Safari, Google Chrome and Opera.
  • Quality Design - The look and feel of your website must convey a sense of comfort and trustworthiness.
  • Secured Data Handling and Trustmarks – This supports the use of cryptographic (encryption) protocols such as Secure Sockets Layer (SSL) protocol.
  • Order Management Systems - Web developers must be able to support order and inventory management systems.

The minimum website security requirements are:

  • The payment page must be SSL (Secure Sockets Layer) capable (accessible by https:// only), with minimum 256-bit encryption key.
  • Your website must have a certificate from a valid Certificate Authority (i.e. Verisign or Thawte). You can refer to Netscape or Internet Explorer for a list of recognized Certificate Authorities.
    Please note that a server certificate is required in all cases prior to processing live transactions.
  • Merchants must adhere to the “Payment Page Requirements Documentation” published by the payment gateway provider for web design.

The merchant fees are:

  • The Merchant Commission Rate for Republic EPAY
  • The payment gateway provider’s processing fees:
    • One-time set up fee = US$100.00 per merchant per integration.
    • Monthly support fee = US$75.00 per merchant.
    • Per transaction fee = US$0.25 per transaction.

    • Based on an assessment of the merchant’s business, collateral may be required.
Additionally, website development and maintenance fees are not included as these are negotiated between the merchant and the website developer.

  • Website related issues will be handled between the merchant and the website developer.
  • Reconciliation issues will be handled by Republic Bank. Please call our Merchant Services Unit at 625-4411, or your Merchant Service representative for assistance.
  • Issues with the payment gateway/checkout page may be directed to Republic Bank. Please call our Merchant Services Unit at 625-4411 for assistance.

Once you submit transactions for settlement, your Republic Bank account will be credited within 48 business hours.

The payment gateway provides an Online Reconciliation application for the merchant to access.

  • Complete the Merchant Application form and provide the required documents.
  • After successful assessment, you will be required to review and sign the Merchant Agreement.
  • Complete the additional processing documents.
  • Engage the services of a website developer.
  • Meet with the Bank’s enablers to ensure integration of Republic EPAY with your website.

To become operational, it could take as little as 2 weeks or as much as 3 months. This depends on the ability of the parties to complete the required tasks. The Bank is fully committed to assisting you to become functional within the shortest possible time.

Yes, you must have a Republic Bank account to be an e-commerce merchant

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