Payroll
Pay your team from the business portal. Staff with a ClicCash account are paid instantly, and it costs you nothing.
01 / Why it helps
No cash to draw out on a Friday and no envelopes to count.
Who was paid, how much, and when — kept in the portal.
They can spend, send and save straight away. No bank account needed.
FREE TO OPEN / NO BANK ACCOUNT / NO CARD
Get the app01 / Getting started
Your phone number and an ID. Minutes in the app, not weeks at a bank. Free, and no paperwork to bring in.
Feed your notes into a ClicCash RPT, or transfer in from your bank using the reference code the app gives you. Free every time.
Scan the shop's QR code at the counter. Or pay from home — pick a contact, type a phone number, or choose a merchant in the app.
02 / In the app
To anybody on ClicCash — pick a contact or type a phone number. EC$1 flat, whatever the amount.
Digicel or Flow, straight away, from inside the app. No fee to you.
ClicBox keeps the box hand honest. Every payment is written down, so everybody can see who paid.
Scan the QR code at the counter, or choose the merchant in the app. No cash to count, no change to wait for.
In the app, or at any ClicCash RPT.
{{ machineCount }} ClicCash RPTs across Antigua, and growing. No card, no PIN.
03 / RPTs
A ClicCash RPT — Remote Payment Terminal — is not an ATM. There is no card and no PIN, you use your phone and a QR code. Putting your cash in is free.
Find an RPT04 / ClicBox
Your group agrees the amount and the dates. The app keeps the record, so everybody can see who paid. Everybody is paid at the end of the cycle, on the same date.
How ClicBox works05 / Business
No terminal to buy or rent. Free to join, no monthly fee, and payroll to your staff costs nothing. Merchant pricing is on the business page.
See how it works06 / What it costs
FREE
to open your account, to hold it, and to put your cash in at an RPT. No minimum balance, no monthly fee.
EC$1
to send money to another person. Flat. Whether you send EC$5 or EC$5,000.
CASH-OUT AND BANK TRANSFER FEES ARE ON THE FEE SCHEDULE / RUN A BUSINESS? SEE THE BUSINESS PAGE
Every fee, in full07 / Places you can pay today
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08 / Questions
No. You need a phone number and an ID. You do not need a bank account and you do not need a card.
Three ways. Put cash in at a ClicCash RPT, free. Transfer in from your bank, using the reference code the app gives you, also free. Or have your employer pay your wage or salary straight onto ClicCash.
Nothing to open or hold. EC$1 to send money to a person. EC$2 to take cash out. EC$10 to send to a bank account. Putting money in is free.
ClicCash Limited, a registered Payment Service Provider (PSP-0001) registered with the ONDCP. The first one in Antigua and Barbuda.
Antigua and Barbuda, for now.
For business
Your customer scans a QR code on the phone you already own. No terminal to buy. No terminal to rent. 2.25% flat.
FREE TO JOIN / NO MONTHLY FEE / NO SETUP FEE
01 / What you get
The customer scans your QR code. The money lands in your ClicCash account.
Add your staff as cashiers. Each one takes payments on their own phone, into your business account.
The web portal shows transactions as they happen, plus cashier and staff records.
Payroll to staff with a ClicCash account is instant and costs nothing.
Less cash in the drawer at closing time, and a record of every sale.
FREE
to sign up, and free every month after. No setup fee, no monthly fee. A month with no sales costs you nothing.
2.25%
flat, on payments your customers make to you. You only pay when you get paid. That is the whole price list.
Onboarding
Free
Monthly fee
Free
Card terminal
Not needed
Payroll
Free
02 / Getting set up
Fill in the onboarding form online. It is free.
We check your business details and set up your account.
Put your QR code on the counter and start taking payments.
Fees
Every fee we charge, in plain English. The signed legal version is the fee schedule, linked at the bottom of this page.
01 / Your account
FREE
to open your account, to hold it, and to put cash in at an RPT. No minimum balance.
EC$1
to send money to another person. Flat, any amount.
EC$2
to take cash out at a ClicCash RPT.
EC$10
to send money to a bank account.
$0
to top up a phone with Digicel or Flow. No fee to you.
02 / Your business
2.25%
flat, on payments your customers make to you. Onboarding free, no monthly fee, no terminal, payroll free.
03 / ClicBox
Operational fee when the cycle finishes
5%
Leaving a box before the cycle ends
0–10%
What you pay to leave early depends on how far through the cycle the box is.
Read the legal fee scheduleRead this part
Nobody draws a hand in week one. Every member is paid at the end of the cycle, on the same date. Start a ClicBox on your own and save solo, or start one with a group — private or public. Would rather join one already running? Look for a public box and jump in.
01 / The rules
The group sets how much each person pays and how often. A cycle can be as short as two periods.
One payout date for the whole group, when the cycle finishes.
Each contribution is recorded in the app and visible to every member.
A member can miss up to 25% of the periods. After that they are removed from the box.
Whether other people can see the box is set when it is created, and cannot be changed after.
A 5% operational fee at the end of the cycle. Leaving early costs between 0% and 10%.
Approved box coordinators earn a commission, paid automatically. Ask us in the app if you want to be approved.
ClicCash RPTs
There are {{ machineCount }} ClicCash RPTs — Remote Payment Terminals — in Antigua. An RPT is not an ATM. There is no card and no PIN, you use your phone and a QR code.
Cash in
Free
Cash out
EC$2
01 / Using an RPT
Open the ClicCash app on your phone.
Scan the QR code on the RPT.
Feed your notes in, or take your cash out.
Your money / licensing
Plain answers about your balance and what our registration means.
01 / The facts
Your balance is held in local commercial banks. For every dollar showing in your account, there is a dollar in a local bank.
ClicCash Limited is a registered Payment Service Provider, registration number PSP-0001, registered with the ONDCP. It is the first Payment Service Provider registered in Antigua and Barbuda.
ClicCash works by scanning a QR code with your phone. There is no card and no PIN at an RPT. Your account is opened using your phone number and your ID.
Call us on +1-268-464-9700 and we will help you get back into your account.
Antigua and Barbuda, for now.
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Free to download. Free to open. You need a phone number and an ID.
Put in your phone number.
Show an ID.
Walk to a ClicCash RPT and put your cash in, for free.
Send money
Send to anybody in Antigua and Barbuda who has ClicCash. EC$1 flat, whether you send EC$5 or EC$5,000.
EC$1
to another ClicCash account.
EC$10
to a bank account.
FREE
to pay a shop. Scan their QR code, nothing extra to pay.
Top up
Digicel and Flow. The credit goes on straight away. No fee to you, and no line to stand in.
01 / Three ways
Pick the network, put in the number and the amount, confirm.
Every ClicCash RPT does top-ups and bill payments too.
Top up any Digicel or Flow number, not only your own.
Payroll
Pay your team from the business portal. Staff with a ClicCash account are paid instantly, and it costs you nothing.
01 / Why it helps
No cash to draw out on a Friday and no envelopes to count.
Who was paid, how much, and when — kept in the portal.
They can spend, send and save straight away. No bank account needed.
About
ClicCash Limited is a payments company in Antigua and Barbuda. We built it for people who are still forced to use cash in their daily lives and want a better way.
01 / So far
ClicCash launched on 17 February 2026. The first transaction on the platform was made by the Prime Minister of Antigua and Barbuda, Gaston Browne. WIOC was the launch partner.
ClicBox went live in the app, bringing the box hand into the phone.
More than 1,000 people use ClicCash, 50+ businesses take it, and there are {{ machineCount }} ClicCash RPTs in Antigua.
ClicCash Limited is a registered Payment Service Provider (PSP-0001), registered with the ONDCP — the first in Antigua and Barbuda. Registered office: Royal Palm Place, Friars Hill Road, St. John's, Antigua.
Contact
01 / Reach us
Email us
WhatsApp us
Business accounts
Sign up at portal.cliccash.com/register
Follow us
02 / Answers
Download the app, put in your phone number, and show an ID. No bank account, no card, no paperwork to bring in.
Go to a ClicCash RPT, scan the QR code on the screen with the app, and feed your notes in. It is free. You can also transfer in from your bank with the reference code the app gives you, or have your employer pay you on ClicCash.
Open the app, scan the shop's QR code, check the amount, and confirm.
EC$1 flat to another ClicCash user, whatever the amount. EC$10 flat to a bank account.
Digicel and Flow. The credit goes on straight away and there is no fee to you.
At the end of the cycle. Every member is paid on the same date. ClicBox does not pay members in turns.
At portal.cliccash.com/register. If you are already signed up, log in at portal.cliccash.com/login.
Call +1-268-464-9700 with the date and the amount. If you are not happy with the answer, our complaints procedure is in the footer.
01 / The facts
PRESS KIT, LOGO PACK AND PHOTOGRAPHY TO BE SUPPLIED UPON APPROPRIATE REQUEST.
EMAIL HELLO@CLICCASH.COM
Version 1.0 — in force from 8 August 2026
Personal accounts
Business accounts
All fees are in Eastern Caribbean dollars. This schedule applies in Antigua and Barbuda.
Legal
FREE TO OPEN / NO BANK ACCOUNT / NO CARD
Get the app
