Plans start at $5,000 GYD per month for the Starter plan. There is no upfront hardware cost — your Android POS terminal is provided at no charge. Transaction fees also apply; contact us for the full rate card.
Now live across Guyana
Accept card payments.
No upfront
hardware cost.
FloPay gives Guyanese businesses a modern Android POS terminal, a merchant dashboard, a free data SIM, and in-person training — all from $5,000 GYD/month.
Visa & Mastercard accepted
Bank of Guyana regulated
No existing bank change needed
Featured in
Stabroek News
INews Guyana
Newsroom Guyana
Demerara Bank
Bank of Guyana
Simple setup
Up and running in 3 steps
No technical expertise required. We come to you, set everything up, and make sure you're confident before we leave.
Register online or call us
Fill in our short form or call +592 688 5264. Tell us your business type and region — we handle the rest. No lengthy bank paperwork.
Takes ~5 minutesWe deliver & set up your terminal
A FloPay team member brings your wireless Android POS terminal, activates your free data SIM, and configures your merchant dashboard on-site.
In-person training includedStart accepting cards immediately
Accept Visa and Mastercard from day one. View real-time transactions, manage refunds, and track sales trends from your merchant portal or mobile app.
Instant activationEverything included
A complete payment solution
for Guyana's businesses
Not just a terminal. FloPay is a full ecosystem — hardware, software, data, and support — bundled into one simple monthly subscription.
Wireless Android POS terminal
A modern, portable Android terminal that works anywhere in Guyana. No landline needed — it runs on its own included data SIM, so it works at markets, food stalls, service businesses, and retail stores alike.
- No upfront hardware cost — terminal is provided
- Dedicated free data SIM card included
- Accepts Visa & Mastercard (tap, chip & PIN, swipe)
- Receipts via SMS or printed slip
- Works during power fluctuations with battery backup
Real-time merchant dashboard
Monitor every transaction the moment it happens. Your web portal and mobile app show live sales data, totals by day or product, and flag any issues — from any device, anywhere.
Sales analytics & reports
Understand your business better with dashboards showing sales trends, peak hours, customer spending patterns, and growth over time. Export reports for your accountant or bank with one click.
Refunds & chargeback management
Handle refunds and customer disputes directly from the portal — no phone calls required. You're always in control, with a full audit trail for every transaction.
In-person training & support
A FloPay agent visits your business to set up and train you in person. Ongoing support is available by phone and WhatsApp — in Creolese if that's easier. No online-only helpdesk.
Bank of Guyana regulated
FloPay operates under the Payfac model via Demerara Bank, within the full regulatory framework of the Bank of Guyana. Your funds never leave your existing bank — we only facilitate the transaction.
Why choose FloPay
Cash is limiting your growth
When your business only accepts cash, you miss customers, limit transaction sizes, and slow down your growth. Here's how FloPay compares.
| Feature | FloPay | Cash only | Other POS |
|---|---|---|---|
| Hardware cost | No upfront cost | N/A | High deposit |
| Accepts Visa & Mastercard | Yes | No | Yes |
| Free data SIM | Included | N/A | Extra cost |
| Real-time merchant dashboard | Yes | No | Limited |
| In-person setup & training | Yes | N/A | Self-service |
| Keep existing bank account | Yes | Yes | Often must change |
| Bank of Guyana regulated | Yes | N/A | Varies |
| Starting monthly cost | $5,000 GYD | $0 | $15,000+ GYD |
Transparent pricing
Simple, flat monthly plans
No hidden fees. No long-term contracts. Cancel anytime. All plans include your terminal, free SIM, merchant dashboard, and training.
Starter
$5,000 GYD / month
Perfect for sole traders, market vendors, and small retail businesses just getting started with card payments.
- 1 wireless Android terminal
- Free data SIM card
- Merchant web portal & mobile app
- In-person setup & training
- Phone & WhatsApp support
⭐ Most popular
Business
$9,500 GYD / month
Ideal for established businesses, restaurants, and service providers with regular card payment volume.
- 2 wireless Android terminals
- Free SIM cards for each terminal
- Full merchant dashboard & analytics
- Chargeback & refund management
- Priority phone & WhatsApp support
- Monthly business performance report
Enterprise
Custom
For supermarkets, hotel chains, filling stations, and multi-location businesses needing bulk terminals and bespoke reporting.
- Unlimited terminals
- Dedicated account manager
- Custom analytics & API access
- Volume-based transaction pricing
- SLA-backed uptime guarantee
All prices in Guyanese Dollars (GYD). Transaction fees apply — contact us for the full rate card. No lock-in contracts.
Merchant stories
Guyana's businesses are growing with FloPay
★★★★★
Since adding FloPay, we've seen more tourist customers who always want to pay by card. The terminal was easy to set up and the team trained us properly before they left.
★★★★★
We used to lose sales because visitors from Canada and the US didn't carry GYD cash. Now they just tap their card and we never miss a sale. FloPay paid for itself in the first week.
★★★★★
The merchant dashboard is the best part. I can see all my sales on my phone while I'm at the market. It feels professional and our customers trust us more because we accept cards.
This technology will result in a culture change in the way we do things in Guyana — particularly the small business sector across the length and breadth of this country.
Komal Samaroo
Chairman, Demerara Bank Limited
Founded by
Aleema Seadath — 21+ years in global payments, formerly Visa Inc. (USA)
Officially launched
February 13, 2026 — with live demonstrations for invited guests
Banking partner
Demerara Bank Limited (Visa & Mastercard Payfac model)
Regulatory oversight
Bank of Guyana — full compliance & supervision
About FloPay
Built in Guyana, for Guyana
FloPay is operated by Flowcatalyst Technology and Consulting Inc. (FTC Inc.) — a Guyana-based fintech company founded by Aleema Seadath, a Canadian-based Guyanese with over 21 years of experience in global payments, including a career at Visa Inc. in the United States.
Our mission is simple: remove the barriers that prevent Guyanese businesses from participating in the modern digital economy. When small businesses accept only cash, opportunity is limited — cash restricts who can buy, how much, and how far a business can grow.
FloPay operates under the Visa and Mastercard payment facilitator model, sponsored by Demerara Bank Limited, and within the full regulatory framework of the Bank of Guyana. Merchants' funds remain completely with their existing banks — we do not replace banks. We enable transactions.
21+
Years of global payments expertise
2026
Official launch year
Visa
& Mastercard accepted
BoG
Regulated by Bank of Guyana
Bank of Guyana regulated
FloPay operates within the full BoG regulatory framework for financial stability and consumer protection.
Visa & Mastercard certified
Operates under the Payfac model via Demerara Bank — both Visa and Mastercard payment networks.
Demerara Bank partnership
Strategic partner and Payfac sponsor — one of Guyana's most trusted financial institutions.
Guyanese-led team
Founded and operated by Guyanese professionals committed to advancing digital financial inclusion at home.
FAQ
Common questions answered
No. FloPay operates under the Payfac model with Demerara Bank. You keep your existing bank account — your card payment settlements are deposited directly to it. We do not require you to open a new account.
Your customers can pay with Visa and Mastercard — debit and credit cards, local and international. This includes tap-to-pay (contactless), chip & PIN, and magnetic swipe.
Yes. FloPay operates under the full regulatory framework of the Bank of Guyana. Our banking partner, Demerara Bank Limited, is a licensed commercial bank that supervises the Payfac relationship. Your funds never leave your bank — FloPay only facilitates the transaction.
After you register, a FloPay team member visits your business, delivers your terminal, activates your free SIM, and trains you in person. You can be accepting card payments the same day. Ongoing support is available by phone and WhatsApp.
Contact our support team by phone or WhatsApp and we will arrange a replacement. The terminal remains FloPay property — hardware faults that are not caused by misuse are covered.
No long-term contracts. FloPay plans are month-to-month. If you decide to stop, simply return the terminal and give us 30 days' notice. No cancellation fees.
Yes. FloPay is available across Guyana. The terminal uses its own SIM card for connectivity, so it works wherever there is mobile network coverage — no landline or Wi-Fi required.
Ready to grow your business?
Join Guyanese merchants who have already taken the step towards a modern, cashless business. Register today — no upfront cost, no bank change required.
Or email us at register@flopaygy.com
Get in touch
Apply for your FloPay terminal
Fill in the form and our team will contact you within one business day to confirm your application and arrange delivery and setup.
Phone / WhatsApp
Email
Location
La Grange, Guyana (serving all regions)
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