Accept Card Payments with Sentoo
Visa and Mastercard play a big role in e-commerce, especially because they offer a payment method consumers know and trust. If you’re looking to unlock new markets and close more sales before the year ends, Sentoo’s card payments might be a very good fit for you.
The moment that decides your sale
Picture this: Kim runs a small events company in Curaçao. It’s Friday night; she’s unavailable, but two prospects are browsing her website.
- An American couple wants to book a sunset picnic and pay now to lock the date.
- A local company needs a last-minute team offsite and wants to pay with a corporate card for an invoice and quick confirmation.
If Kim’s checkout feels simple, secure, and familiar, both sales close tonight. That’s what a card gateway is for: reducing friction at the exact moment money’s on the table.
And that card gateway is exactly what Sentoo provides: a simple, secure way to collect card payments.
What is a card payment gateway?
A card payment gateway is the secure bridge between your sales channels (website, app, payment links/QR) and your bank’s e-merchant account (the acquirer). It safely collects debit or credit card details, runs checks like 3-D Secure to protect the buyer, sends the authorization through Visa/Mastercard to the issuing bank, and returns an instant yes/no confirmation.
The gateway handles the heavy security (so you don’t store card data), giving customers a familiar, protected checkout, and giving your business fast, local payouts.
How this looks with Sentoo
Why card payments?
Card payments let customers pay with their debit or credit card (usually Visa or Mastercard) at a POS or online. Most businesses serving international customers accept cards because acquirers widely support those networks. Cards still convert because:
- Habit & convenience: everyone knows how to pay by card.
- Credit line & rewards: great for bigger tickets and travel spend.
- Buyer protections: 3-D Secure is a strong trust signal.
- Everywhere: the most widely accepted method globally.
Cards are one payment method, others include Pay by Bank (e.g., iDEAL or Sentoo) and digital wallets (e.g., PayPal). A payment gateway can support multiple methods including card payments.
How card payments work
Visa and Mastercard payments work through a four-step process involving authorization, clearing, and settlement which happens in seconds. A customer's purchase initiates the transaction, which is then routed through the merchant's bank, the Visa/Mastercard network and finally to the custoner's issuing bank for approval.
In most cases, a company accepting card payments receives the funds a couple of days after the purchase. The sale is settled immediately but the funds are credited to the company's account after all the processing fees have been deducted.
What you need to accept card payments
- An e-merchant (acquirer) account with one of our banking partners. .
- Sentoo’s gateway to power your checkout, links, and QR codes.
Supported bank acquirers (more coming soon)
- CMB e-merchant account (Aruba)
- MCB e-merchant account (Curaçao & the Caribbean Netherlands)
- WIB e-merchant account (Sint Maarten)
- Banco di Caribe e-merchant account (Curaçao)
Where you can accept card payments with Sentoo
- REST API for your website/app checkout
- Payment links & QR codes (send via WhatsApp, email, or add to invoices)
- Plugins (WooCommerce, Shopify, Wix, Magento, Odoo)
The less friction in your payment experience, the more likely you are to close the sale.
Quick FAQ
Do I need a business account?
Yes. You need an e-merchant/acquirer account with your bank. Already have one? Connect it. If not, we’ll help you start.
Can I keep my POS and just add online?
Yes. Keep your terminal. Add links/QR/checkout via Sentoo for online and invoice flows.
Currencies & settlement?
We support local settlement via your bank acquirer. Currency display depends on your bank setup.
Get started today
Cards convert because they’re familiar, trusted, and everywhere. Sentoo lets you add that power without rebuilding your checkout: secure gateway, 3-D Secure, local settlement through your acquirer, and multiple ways to accept (API, plugins, links/QR). Pair it with Pay by Bank for maximum coverage and stop losing sales.
Reach out and we’ll guide you through the setup: Contact Sales
