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Frequently Asked Questions


Sentoo offers a Merchant portal where you can log in and obtain the status of a specific payment. Here you can view the status of all your Sentoo payments.

After a successful transaction, the funds will be immediately available in your account.

When the customer authorizes a payment in their online banking environment, you will instantly receive a confirmation from Sentoo.

Any business or organization that needs to collect payments can use Sentoo. Whether you are a small online webshop or a large Tax Office, our affordable pricing makes Sentoo the best option out there.

No, your customers do not need a credit card. The payments are processed by local banks directly on their online banking systems, the only thing your customers need is a local bank account with online banking access.

Sentoo is a payment method that lets merchants receive local online payments on bank accounts from customers’ local bank accounts. Your customers pay using their own familiar online or mobile banking environment quickly and securely. Sentoo is a convenient and ideal way of receiving local online payments.


When integrating with Sentoo, your developers will receive:

Merchant key for authentication
  • Access to our REST API documentation
  • Open API v3 / Swagger development kit with executable test API requests
  • Connection to our secured integration environment

Just follow the steps below:

  1. Complete your details on our online form and receive the developer package.
  2. Start integrating with our APIs on our integration environment for testing.
  3. We will then configure the various bank accounts for your organization.
  4. Launch the Sentoo payment method and start accepting local payments.

After you fill out the contact form, we will get in touch with you and send the developers’ documentation.

Absolutely! Sentoo provides an easy-to-use REST API, which is easily integrated with your webshop, invoicing module or online portal.


You are billed at the end of each month for the transactions successfully processed during that month. The invoice will be in local currency, with the option to pay via Sentoo.

The Sentoo transaction fee is calculated on successful transactions processed by connected banks. The fee is based on 1% of the payment amount with a max of $1.50 per transaction. This means that large amounts will never cost you more than $1.50.

Security & Privacy

Sentoo values your safety and the privacy of your data. For this reason, Sentoo takes several precautionary measures:

  • Sentoo complies with the latest industry standards and quality requirements.
  • No personally identifiable data is stored, and sensitive database fields are encrypted.
  • Sentoo constantly updates and monitors the platform to maintain the expected security level.
  • The traffic is TLS-encrypted, and the network and APIs are regularly pen-tested.
  • Banks and third-party security auditors perform regular audits.

Sentoo saves as little data information as possible, sensitive database fields are extra encrypted, and Sentoo does not receive personal payment information from the customers. Sentoo uses Plausible, an independent analytics tool that does not store personal information for our analytics.


Yes, every bank in the Caribbean can join Sentoo. Our system was designed to minimize the impact on your current banking applications, and it can be used in both online banking portals and mobile banking apps.

Interested in a demo? Fill out our online form, and we will set up a meeting as soon as possible!

General information

With Sentoo, you can offer your customers a safe and convenient way of making local online payments. If you want to get started, you must close a merchant Agreement with Sentoo. The minimum requirements for Sentoo are that you are registered with the Chamber of Commerce and have a business bank account at one or more of our participating banks. Sentoo will provide you with the information required for the technical integration.

Sentoo is currently available at participating merchants in Aruba, Bonaire, Curaçao, Saba, St. Eustatius, and St. Maarten. Look for the Sentoo checkout button or our logo on a QR code or Payment link.

Customers do not need to create an account to use Sentoo. No registration is required, nor do you have to download an app. Simply select Sentoo at checkout, scan our QR code, click on our payment link, and follow simple steps to authorize the payment.

Sentoo payments are done using the mobile banking app or the online banking environment of your own bank. However, all payment details, such as receiver, amount, and description, are pre-filled automatically, and you instantly know if your Sentoo payment succeeded. This also means that the company will receive your payment confirmation within seconds.

Sentoo payments can only be done using bank accounts of participating local banks in the Dutch Caribbean.

Please visit our webpage for all information about Sentoo payments.

Sentoo does not charge any costs to customers. However, online banking fees may apply depending on your bank.

Banco di Caribe is the first bank to announce its partnership with Sentoo officially. MCB Group will start offering Sentoo later this year (2023) through its network of Maduro & Curiel's Bank, Caribbean Mercantile Bank, The Windward Islands Bank, and Maduro & Curiel's Bank (Bonaire). We are working hard on adding more banks to Sentoo. As soon as we can publicly announce new partnerships, we will do so through social media and our mailing list.

You can visit our sign-up page if you want to keep up to date with your specific bank.

Problem with payments

Please contact the company you are trying to pay. They have our emergency contact information to resolve issues as soon as possible.

For questions about a specific Sentoo payment, you can start by contacting the company that you paid. You can contact Sentoo directly through the support page if they cannot answer the question.

Please get in touch with the company you’re trying to pay to check whether they have received a double payment and request them to refund the overpaid amount. If the company did not receive the amount, please get in touch with your bank. Your bank can help you further and find out the payment status. Having the Sentoo transaction number of the payment from your account statement at hand can be useful if your bank provides this.

Contact Sentoo via the support page. Sentoo can help and find out the status of the payment. It is helpful to have the Sentoo transaction number of the payment from your account statement at hand if your bank provides this.

Privacy & Security

At Sentoo, we value your safety and the privacy of your data. Sentoo is based on internet- and mobile banking of your own bank. Making an online payment with Sentoo is safe. The transaction takes place in two steps:

  1. Identification and authentication of the user within online banking. This is done through multi-factor authentication provided by the bank, with either a fingerprint, facial recognition, token, or e-pass.
  2. Authorization. The user grants permission for the transaction using the bank’s multi-factor authentication such as fingerprint, facial recognition, token, or e-pass.

Sentoo makes the security of your payment our highest priority. Sentoo saves as little data information as possible. We do not receive personal payment information from customers and encrypt the required payment information.