How can we help you

Getting started

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.

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

Making payments

Banco di Caribe and the MCB Group through MCB, CMB, WIB, and MCB Bonaire are currently the two banks that offer Sentoo. We are working hard on adding more banks to Sentoo. As soon as we can publicly announce new partnerships, we will do so through our social media and our mailing list.

If you are interested in keeping up to date with your specific bank, you can visit our sign-up page

* this applies to all MCB, CMB and WIB business users.

Business Online Banking users with End Users created before the launch of Sentoo in November 2023, need to follow the steps below to enable Sentoo Payments:

1. Open the Online Banking website and login with the Master User. From the Settings menu, select Transaction Management and select the first End User.
Sentoo permission MCB step 1

2a. For a Maker & Authorizer user, check the "Sentoo Payments" checkbox and enter a daily limit for Sentoo Payments and save the changes.
Sentoo permission MCB step 2a

2b. For a Maker user, check the "Sentoo Payments" checkbox and save the changes.
Sentoo permission MCB step 2b

2c. For an Authorizer user, enter a daily limit for Sentoo Payments and save the changes.
Sentoo permission MCB step 2c

The next step only applies to Authorizer and Maker & Authorizer users. For a Maker user, you can skip this step.

3a. From the Settings menu, select User Management and edit the first End User by clicking the pencil icon next to the full name.
Sentoo permission MCB step 3a

3b. Under the "Business Multi-User" and under the "Business Multi-User for Apps" section, set a limit for Sentoo Payments and save the changes.
Sentoo permission MCB step 3b

Enable these settings for all your End Users.

* this applies to all MCB, CMB and WIB users.

It’s possible that you’re not being redirected to your online banking app after choosing your bank for a few reasons:

- Ensure Your Online Banking app has the latest version (Android: 2.7.0, iOS: 2.9.0).
- Verify if your default browser is set to open links in the app and NOT in the browser. 
- If you have installed ad-blocking software or third-party related apps, these could impact the redirection process. Temporarily disable them to troubleshoot the issue.

If you have complied with these requirements and still do not get redirected, please contact support.

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.

* this applies to all MCB, CMB and WIB business users.

This error message means that the permissions in your MCB* Business Online Banking have not yet been changed completely. The maker permissions might be missing or Sentoo payment could be disabled. Try another user or check maker permissions by going into your settings, select “Transaction Management”, and make sure “Sentoo Payments” is enabled. If this error message continues to appear, please contact support.

* this applies to all MCB, CMB and WIB business users.

If you are receiving this message, please check your maker permissions via your MCB* Business Online Banking by going to “Settings”, select “Transaction Management” and make sure “Sentoo Payments” is enabled. If this continues to happen after enabling Sentoo payment, please contact support. 

* this applies to all MCB, CMB and WIB business users.

In case you are facing difficulty verifying payment and receive the error message: "The verifier cannot sign the transaction", please confirm with the master user that you have the necessary authorizer permission in the setting. 

Already have permission? 

Ensure the “Sentoo Payments” limit is appropriately set. If it's not set or the limit is insufficient, please make the necessary adjustments. 

* this applies to all MCB, CMB and WIB business users.

If you cannot find the transaction in the pending tab, please ensure that you have completed the one-time configuration correctly by following these steps:

  • Verify the authorizer permissions in your User Management settings.
  • Double-check that the daily limit for Sentoo payments is set correctly.

* this applies to all MCB, CMB and WIB users.

If you receive the error message “For your security, you have been automatically logged out of internet banking after 15 minutes of no activity.”, it's best to fully close the MCB* app and restart the payment.

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.