Saint Lucia · simulated payment network
One demo, two account models, connected by a simulated payment switch.
Explore a customer account held at a participating bank, a separate IslandPay sandbox wallet, merchant QR acceptance, bank operations and ECACH network operations.
< 5 s
end to end, payer to payee
24 / 7
payments never stop; settlement follows RTGS hours
7
institutions you can bank with today
EC$0
risk left in the pool: prefunded in central bank money
Start here
Customer, merchant and operations journeys
C
Customer
Sign up in minutes with your phone and an ID. Pay anyone by phone number or scan a QR code.
M
Merchant
Apply online; your bank checks the business and issues a merchant ID and QR codes. Get paid instantly.
I
Institution
Banks, credit unions and licensed wallets apply to ECACH: licence, certification, prefunding, go-live.
E
ECACH operator
Runs the network, onboards participants, nets and settles every cycle with the banks through the ECCB RTGS.
How it works
From sign-up to settlement
1 · Sign up
- Verify your phone with a one-time code
- ID checked by your bank; tier 1 limits at first
- Phone number registered in the ECACH directory
2 · Pay
- Enter a phone number or scan a QR code
- See the payee's name before you pay
- Scam checks, then the money moves in seconds
3 · Settle
- ECACH closes a cycle and nets every bank's position
- The batch goes to the ECCB RTGS
- The RTGS confirms: final in central bank money