Works with your
account
Get paid online in the Caribbean, the modern way.
Ridley turns your merchant account into branded checkout, payment links, invoices and subscriptions, all run from one dashboard. Building for clients? The same platform gives you an API, webhooks and test keys.
- No per-transaction fees from Ridley
- Money goes straight to your bank
- Set up and test before your account is approved
Your processor
Connect the merchant account your bank set up.
Card networks
Local and international cards, with 3D Secure where your processor supports it.
Caribbean currencies
Charge customers in the currency they know.
Who it’s for
One platform, two ways in.
Run your own business on Ridley with no code, or build payments into the apps you make for clients.
For businesses
Already have a merchant account and tired of a bare processor portal? Get the tools you’d expect from a modern payments company.
- Payment links you can send on WhatsApp, email or a QR code
- Invoices your customers pay online, with reminders
- Subscriptions that recover declined renewals for you
- A branded checkout page with your logo
- One dashboard for every payment, refund and customer
For developers and agencies
Stop rebuilding 3D Secure, saved cards, subscriptions and webhooks for every client. One account powers all your clients’ apps.
- REST API with hosted checkout sessions
- Signed webhooks you can replay
- Test keys and test cards, no processor needed
- A separate website or app per client, each with its own keys
- WooCommerce plugin for online stores
Get paid
Every way your customers want to pay you.
Payment Links
| Title | Amount | Usage | Status | |
|---|---|---|---|---|
| Consulting Retainer Q3 | $500.00 USD | 12 / ∞ | Active | Copy |
| Software License Annual | $199.00 USD | 48 / 100 | Active | Copy |
| Custom Order Deposit | $150.00 USD | 3 / 25 | Active | Copy |
Payment links
Make a link in seconds and share it on WhatsApp, Instagram, email or as a QR code at your counter. Your customer taps, pays, and gets a receipt.
Reshapify
Sculpt Leggings
Qty: 2 × $4,500.00
$9,000.00
Studio Sports Bra
Qty: 1 × $3,200.00
$3,200.00
$14,030.00 JMD
Reshapify
$14,030.00 JMD
Payment details
Enter your card information to complete the payment.
Card information
Confirm it's you
We sent a code to •••• 7781 to approve $14,030.00 JMD at Reshapify.
Reshapify
Payment Successful
A receipt is on its way to tamara@example.com
$14,030.00
JMD
Branded checkout
Your logo and business name on a clean checkout page, with 3D Secure card checks where your processor supports them.
Invoices
Create and send an invoice in one step. Customers pay online, and overdue invoices show up on your Home screen.
A dashboard you’ll use
Revenue at a glance, a feed of every payment, refunds in two clicks, and alerts when declines spike.
Ask Ridley
Ask “how did we do this month?” and get the answer from your real numbers, with reports and exports on request.
Subscriptions
Recurring billing that recovers declined cards.
Most Caribbean processors leave recurring billing to you. Ridley runs it: charges on schedule, retries declines, and helps customers fix their card before you lose them.
- Automatic retries
- Declined renewals are retried up to 3 times before anything is paused.
- Reminders before each charge
- Customers get an email 3 days before they’re billed. Fewer surprises, fewer disputes.
- Customers update their own card
- A secure page where they can change the card on file, with no call to you.
- Pause, resume or cancel
- Change any plan from the dashboard or the API, with receipts sent automatically.
For developers
Add Caribbean card payments to any app in an afternoon.
Create a checkout session, send the customer to it, and get a signed webhook when they pay. Ridley handles 3D Secure, saved cards and subscriptions.
-
Test keys, no processor
sk_test_ keys run a full checkout with test cards, so you can build before your client’s account is ready.
-
Signed webhooks
Every event is signed, logged and replayable from the dashboard.
-
Safe retries
Idempotency keys mean a retried request never charges twice.
-
Many clients, one account
A separate website or app per client, each with its own keys and branding.
curl https://api.ridleypay.com/v1/sessions \
-H "Authorization: Bearer sk_test_…" \
-H "Idempotency-Key: order-12345" \
-d '{
"amount": 150.00,
"currency": "JMD",
"reference": "order-12345",
"success_url": "https://your-app.com/thanks"
}'
# → { "checkout_url": "https://checkout.ridleypay.com/…" }How it works
Set up in an afternoon. Go live when your processor says yes.
-
1
Create your account
Add your business details and your first website or app. Your 14-day trial starts here.
-
2
Connect your processor
Enter your PowerTranz, Fiserv or Dimepay test details and Ridley checks them straight away. Test everything, then add your live details once you’re approved.
-
3
Start getting paid
Send a payment link, email an invoice, set up a subscription, or plug checkout into your site. Money settles straight to your bank.
Integrations
Works with what you already use.
WooCommerce
Install the plugin and add your keys. Orders, payments and refunds stay in sync.
QuickBooks Online
Payments sync as sales receipts or invoices, with the right tax codes and accounts.
Your own app
The REST API and webhooks connect Ridley to booking systems, marketplaces and kiosks.
Security
Your money and your customers’ cards, handled with care.
Funds go straight to you
Ridley connects to your own merchant account. We never hold or move your money.
Card numbers are never stored
Cards go to your processor over an encrypted connection, and Ridley keeps only the last four digits. Ridley is built to PCI DSS v4.0.1 requirements and is preparing for formal validation.
3D Secure
Customers confirm payments with their bank where your processor supports it, which cuts fraud and chargebacks.
Encrypted processor details
Your processor credentials are encrypted and only used at the moment a payment is made.
Passkeys and two-step sign-in
Protect your team’s accounts with passkeys, an authenticator app and recovery codes.
Roles and an activity log
Give each person only the access they need, and see who changed what, and when.
Pricing
A flat monthly price. No cut of your sales.
Ridley never takes a percentage of your payments. You pay your processor’s usual rates, and one flat plan for everything else.
A platform taking 1% of each sale
US$500/mo
and it grows as you grow
Ridley Business
US$199/mo
the same at any volume
Your processor’s own rates apply either way. The 1% is an example of a platform fee added on top, not a quote.
Business
US$199 /month
Everything a business needs to get paid online.
- Payment links, invoices and branded checkout
- Subscriptions with automatic retries
- Multiple currencies and tax
- Up to 5 team members
- 2 payment processors
- 50 Ridley assistant messages a month
Professional
Most popularUS$349 /month
For growing businesses and teams building on the API.
- Everything in Business
- REST API, webhooks and test keys
- QuickBooks Online sync
- Your branding only, no Ridley marks
- Unlimited team members
- 5 payment processors and priority support
Enterprise
Custom
For agencies and large organizations with custom needs.
- Everything in Professional
- Custom integrations
- Unlimited processors and Ridley messages
- Dedicated contact and agreed response times
All plans include a 14-day free trial. Prices in US dollars.
Made here, for here
Built in the Caribbean, by people who run payments here.
Ridley is made by Bowen Consulting. We built it because getting paid online here meant choosing between a bare processor portal and global tools that don’t support local cards or currencies. When you need help, you talk to the people who build it.
- Talk to a person
- support@bowenconsulting.co
- Sales and partnerships
- sales@bowenconsulting.co
- Processors
- PowerTranz, Fiserv, Dimepay
- Currencies
- JMD, TTD, BBD, XCD, GYD, BSD, BZD, USD
Questions
Good questions, straight answers.
Still unsure? Email support@bowenconsulting.co and a person will reply.
Do I need a merchant account?
Yes, to take real payments. Ridley connects to your merchant account with PowerTranz, Fiserv or Dimepay, and your bank sets that up. You can sign up, set everything up and test with test keys while your account is being approved.
Does Ridley hold my money?
No. Payments settle from your processor straight into your bank account. Ridley never holds, moves or touches your funds.
Are there per-transaction fees from Ridley?
No. Ridley is a flat monthly plan. You still pay your processor’s usual rates, but Ridley adds nothing on top of each sale.
How long does setup take?
Creating your account, adding your website or app and entering your processor’s test details takes an afternoon. Going live depends on your processor approving your live account, which can take a few days.
How does the 14-day free trial work?
Choose a plan during setup and use everything for 14 days. Cancel any time before the trial ends and you won’t be charged.
What happens when a subscription payment is declined?
Ridley retries the charge up to 3 times and emails your customer a link to update their card. You see anything that still needs attention on your Home screen.
Do my customers need an account?
No. They open your payment link or invoice, pay on your branded checkout page and get a receipt by email.
We build apps for clients. Can we use Ridley?
Yes. One Ridley account can power many websites and apps, each with its own keys, currency and branding. The API, webhooks and test keys are included on the Professional plan.
Give your merchant account the tools it deserves.
Set everything up and test it today. Go live the moment your processor approves you.