Of the two (2) online payment methods available locally (WiPay being the second), FAC is the premier, optimal solution. When it became available, processing of payments in TT Dollars became possible for the first time, as too several other features that were not available from PayPal and 2Checkout.

Processing in USD is possible for international transactions when customers use non T&T issued credit cards and you, the merchant, legitimately earn your own USD which you have a right to. Not all banks automatically allow USD transactions, Republic Bank for example, needs to ‘monitor’ your account first before they can grant that privilege. I’ve had FCB allow it without issue. Please check with your bank first if you need to also process transactions in USD.

From the beginning of our partnership and up to this day, FAC has been an extremely efficient operation. FAC doesn’t drop the ball, ever. Every new account is seen all the way through in a very coordinated manner with all departments. Replies to inquiries and support requests are always timely, always same-day and often within an hour or even minutes. They always send out notifications of service disruptions and follow-up status updates.

Overall, if there was ever a rating for FAC, it would be a well deserved five stars. Any similar new entrant to the T&T payment gateway space would have to really come out swinging to make any impact.

What makes First Atlantic Commerce so attractive (other than being the only gateway like it in T&T), are those by virtue of it being a direct merchant account with acquiring bank (as opposed to an aggregate account like WiPay). Others include:

From my experience of FAC integrations via four of the five banks (Scotiabank being the fifth), I have no clear favorite. Each have their own terms and relationships with FAC, pricing structure etc. Generally I advise clients to stick with the bank they do business with. If they deal with multiple banks, as most do, then they’re free to shop around and choose or negotiate the best deal.