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Your money / licensing

How we hold your money.

Plain answers about your balance and what our registration means.

01 / The facts

Every dollar in your account is backed one to one

Your balance is held in local commercial banks. For every dollar showing in your account, there is a dollar in a local bank.

What PSP-0001 means

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.

There is no card to lose

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.

If your phone is lost or stolen

Call us on +1-268-464-9700 and we will help you get back into your account.

Where ClicCash works

Antigua and Barbuda, for now.

Put your money in your phone.

FREE TO OPEN / NO BANK ACCOUNT / NO CARD

Get the app
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ClicCash
More
Get the app

Live in Antigua and Barbuda

Your money.
In your
phone.

ClicCash is Antigua's money app. It turns your phone into your wallet, so you can pay, get paid, and save without a bank account, a card, or cash in your pocket.

FREE TO OPEN / SIGN UP IN MINUTES / NO MONTHLY FEE

ClicCash app home screen showing account balance and boxes

PSP-0001

FIRST REGISTERED PAYMENT
SERVICE PROVIDER

1,000+

PEOPLE USING
CLICCASH TODAY

50+

BUSINESSES TAKING
CLICCASH TODAY

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RPTs FOR CASH IN AND
CASH OUT, AND GROWING

01 / Getting started

Three steps and you are paying.

01

Open your account

Your phone number and an ID. Minutes in the app, not weeks at a bank. Free, and no paperwork to bring in.

02

Put your money 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.

03

Pay and go

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

Everything you do with cash, now in your phone.

Send money

To anybody on ClicCash — pick a contact or type a phone number. EC$1 flat, whatever the amount.

Top up your phone

Digicel or Flow, straight away, from inside the app. No fee to you.

Save in a box hand

ClicBox keeps the box hand honest. Every payment is written down, so everybody can see who paid.

Pay a shop

Scan the QR code at the counter, or choose the merchant in the app. No cash to count, no change to wait for.

Pay your bills

In the app, or at any ClicCash RPT.

Cash in and cash out

{{ machineCount }} ClicCash RPTs across Antigua, and growing. No card, no PIN.

03 / RPTs

Cash still works. It lives in your phone now.

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 RPT
A man cashing in at a ClicCash RPT inside a shop

04 / ClicBox

Box hand, without the risk.

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 works

05 / Business

Take the sale on the phone you already own.

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 works

06 / 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 full

07 / Places you can pay today

WIOC Friars Hill Service Station, Mount Joy Service Station, Island Provision, Gourmet Basket Supermarket, Covent Gardens Supermarket, Townhouse Megastore, Serge Mart, Enzo’s Restaurant, Scottie’s Jerk Centre, Dr. Sengupta & Associates, Gomez Insurance, TicketPulse, Digicel Top-Up and Flow Top-Up.

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08 / Questions

Do I need a bank account?

No. You need a phone number and an ID. You do not need a bank account and you do not need a card.

How do I get my money into the app?

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.

What does it cost me?

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.

Who is ClicCash?

ClicCash Limited, a registered Payment Service Provider (PSP-0001) registered with the ONDCP. The first one in Antigua and Barbuda.

Where does it work?

Antigua and Barbuda, for now.

For business

Take the sale. Keep more of it.

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

Get paid by scan

The customer scans your QR code. The money lands in your ClicCash account.

Let your staff take payments

Add your staff as cashiers. Each one takes payments on their own phone, into your business account.

See every sale

The web portal shows transactions as they happen, plus cashier and staff records.

Pay your staff free

Payroll to staff with a ClicCash account is instant and costs nothing.

Stop counting cash

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

01

Fill in the onboarding form online. It is free.

02

We check your business details and set up your account.

03

Put your QR code on the counter and start taking payments.

Start onboarding

Fees

What it costs. All of it.

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

Personal fees

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

Business fees

2.25%

flat, on payments your customers make to you. Onboarding free, no monthly fee, no terminal, payroll free.

Sign up your business

03 / ClicBox

ClicBox fees

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 schedule

ClicBox

Box hand, kept straight.

Box hand, susu, partner hand — the same idea, run in the app. Nobody has to hold everybody's cash, and nobody has to remember who paid.

Start a box in the app
Five women looking at the ClicCash app together on a phone

Read this part

ClicBox does not go round in turns.

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

01

You agree the amount and the dates

The group sets how much each person pays and how often. A cycle can be as short as two periods.

02

Everybody is paid at the end

One payout date for the whole group, when the cycle finishes.

03

Everybody sees every payment

Each contribution is recorded in the app and visible to every member.

04

Miss too many and you are out

A member can miss up to 25% of the periods. After that they are removed from the box.

05

Open or private, decided at the start

Whether other people can see the box is set when it is created, and cannot be changed after.

06

What it costs

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

Where to put cash in and take cash out.

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

All RPTs

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MAP & LOCATIONS
COMING SOON

01 / Using an RPT

01

Open the ClicCash app on your phone.

02

Scan the QR code on the RPT.

03

Feed your notes in, or take your cash out.

Your money / licensing

How we hold your money.

Plain answers about your balance and what our registration means.

01 / The facts

Every dollar in your account is backed one to one

Your balance is held in local commercial banks. For every dollar showing in your account, there is a dollar in a local bank.

What PSP-0001 means

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.

There is no card to lose

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.

If your phone is lost or stolen

Call us on +1-268-464-9700 and we will help you get back into your account.

Where ClicCash works

Antigua and Barbuda, for now.

{{ deviceLine }}

Get
ClicCash.

Free to download. Free to open. You need a phone number and an ID.

01

Put in your phone number.

02

Show an ID.

03

Walk to a ClicCash RPT and put your cash in, for free.

Send money

One dollar. Any amount.

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.

Get the app

Top up

Credit on your phone in seconds.

Digicel and Flow. The credit goes on straight away. No fee to you, and no line to stand in.

01 / Three ways

In the app

Pick the network, put in the number and the amount, confirm.

At an RPT

Every ClicCash RPT does top-ups and bill payments too.

For somebody else

Top up any Digicel or Flow number, not only your own.

Get the app

Payroll

Pay your staff, free.

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 envelopes

No cash to draw out on a Friday and no envelopes to count.

A record of every payment

Who was paid, how much, and when — kept in the portal.

Your staff get an account too

They can spend, send and save straight away. No bank account needed.

Sign up your business

About

Built here, for people who work in cash.

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

FEB 2026

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.

AUG 2026

ClicBox went live in the app, bringing the box hand into the phone.

TODAY

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

Talk to us.

01 / Reach us

WhatsApp us

+1-268-464-9700

Business accounts

Sign up at portal.cliccash.com/register

Follow us

02 / Answers

How do I open an account?

Download the app, put in your phone number, and show an ID. No bank account, no card, no paperwork to bring in.

How do I put cash 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.

How do I pay a shop?

Open the app, scan the shop's QR code, check the amount, and confirm.

How much does sending money cost?

EC$1 flat to another ClicCash user, whatever the amount. EC$10 flat to a bank account.

Which networks can I top up?

Digicel and Flow. The credit goes on straight away and there is no fee to you.

When does a ClicBox pay out?

At the end of the cycle. Every member is paid on the same date. ClicBox does not pay members in turns.

I run a business. Where do I sign up?

At portal.cliccash.com/register. If you are already signed up, log in at portal.cliccash.com/login.

Something went wrong with a payment

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.

Press

Press.

For enquiries, call +1-268-464-9700.

01 / The facts

ClicCash Limited launched on 17 February 2026 in Antigua and Barbuda.
The first transaction was made by Prime Minister Gaston Browne. WIOC was the launch partner.
Antigua and Barbuda's first registered Payment Service Provider, PSP-0001, registered with the ONDCP.
More than 1,000 people use the app and 50+ businesses accept it.
There are {{ machineCount }} ClicCash RPTs in Antigua.

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

Fee schedule

Personal accounts

Account opening and holdingFREE
Cash in at a ClicCash RPTFREE
Cash out at a ClicCash RPTEC$2.00
Transfer to another ClicCash accountEC$1.00
Transfer to a bank accountEC$10.00
Mobile top-up (Digicel, Flow)NO FEE
ClicBox — completed cycle5%
ClicBox — leaving before the cycle ends0–10%

Business accounts

Payments taken from customers2.25%
Onboarding and setupFREE
Monthly account feeNONE
Payroll to ClicCash accountsFREE

All fees are in Eastern Caribbean dollars. This schedule applies in Antigua and Barbuda.

Legal

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Put your money in your phone.

FREE TO OPEN / NO BANK ACCOUNT / NO CARD

Get the app