Launching payments in Haiti: the stack

By Polynopsis team · Last updated 29 October 2026

Paying out in Haiti means going through a bank, a maison de transfert or an electronic payment provider authorised by the Banque de la République d'Haïti (BRH), and under BRH Circular 114-3 transfers paid at service points or onto payment instruments are paid in gourdes at a rate between the BRH reference rate and its average with the banks' average acquisition rate, while transfers can also be credited to beneficiaries' US dollar savings accounts. Cross-border senders fund their Haitian agents in US dollars and typically pay out through mobile wallets such as MonCash and NatCash, maisons de transfert such as CAM Transfer, Sogexpress and Unitransfer, and direct-to-account services at banks such as Sogebank.

Currency	HTG
Local payout rails	SPIH (Système de Paiement Interbancaire Haïtien), Electronic cheque clearing, Mobile wallets (FSP)
Holiday calendar	Haiti bank holidays 2026 and 2027

The Haiti market

Remittances (transferts sans contrepartie) received from abroad were US$1,245.86 million in October to December 2025, up 10.53% (BRH). source
Remittances were US$1,269.26 million in January to March 2026 and US$2,515.13 million in the first half of fiscal year 2025-2026 (October 2025 to March 2026), 15.87% more than a year earlier; the BRH reference rate was 130.7034 gourdes per US dollar on 31 March 2026. source
The World Bank puts Haiti's personal remittances received at US$4,111 million in 2024 (World Development Indicators, updated 8 October 2026). source
From 28 July 2011 to 30 September 2024 the BRH collected US$310,408,577.09 in fees on international private transfers and transferred US$306,942,864.59 to the public Treasury. source
The BRH lists six authorised maisons de transfert: CAM Transfer (Caribbean Airmail), Prism Transfer, Rapid Transfè, Sogexpress, Unitransfer and NatTransfer. source

Licensing: who can pay out in Haiti

Banks and maisons de transfert pay international transfers under BRH Circular 114-3, issued under the decree of 5 June 2020 amending the decree of 6 July 1989 on maisons de transfert; it took effect on 5 September 2022 and replaced Circular 114-2 of 18 September 2020. source
Under Circular 114-3, banks and maisons de transfert must pay international transfers in gourdes at all service points (branch, agency, office, kiosk) or onto a payment instrument, at a rate no lower than the BRH reference rate and no higher than the average of the reference rate and the average acquisition rate; transfers can also be credited to beneficiaries' US dollar savings accounts. source
BRH Circular 121 requires any company providing electronic payment services to obtain prior BRH authorisation or non-objection and register as a Fournisseur de Services de Paiement électronique (FSP); the BRH lists HaitiPay, NATCOM (NatCash), Sogebank (MAGO), Unigestion Holding (MonCash) and Kiskeya Technologies Group (KashPaw). source
Banks and maisons de transfert must make their sub-agents apply Circular 114-3, set a daily payment capacity for each sub-agent, report offending sub-agents to the BRH quarterly, and inform the BRH of a contract termination within three business days; filing the quarterly service-point report late costs HTG 50,000 per day. source

This page explains the rules in general terms and is not legal or regulatory advice. Check the primary source and take advice on how the rules apply to your firm.

Payout rails in Haiti

Rail	Operator	What matters for payouts	Source
SPIH (Système de Paiement Interbancaire Haïtien)	Banque de la République d'Haïti	Real-time gross settlement system set up in 2007 for electronic transfers in gourdes or foreign currency between accounts at different participants; settlements are irrevocable and unconditional.	source
Electronic cheque clearing	Banque de la République d'Haïti	Electronic clearing and settlement introduced in 2013 cut cheque clearing times from five days to two.	source
Mobile wallets (FSP)	BRH-authorised electronic payment service providers	Wallet providers must hold BRH authorisation or non-objection as FSPs; the BRH list includes MonCash (Unigestion Holding) and NatCash (NATCOM).	source

The Haiti payments stack, layer by layer

The providers below are a starting shortlist for each layer, described from their own documentation. Confirm terms, coverage and licences with each provider.

Payout and collection partners

Provider	What it does in Haiti	Source
MonCash	Mobile wallet whose Full (MonCash Plus) wallet holders receive international transfers from partners including Digicel International, Boss Money, Sendwave, Taptap Send, Sharemoney, C.A.M. and Shaka Express from North America, and CIBAO, Girofacil, Uno Money Transfer and More Money from Latin America.	source
NatTransfer (NatCash)	BRH-licensed money transfer company paying into NatCash wallets through a network of more than 30,000 NatCash agents, with a limit of 40,000 HTG per transaction on a standard account and higher limits after eKYC.	source
Sogexpress	Sogebank group subsidiary that sends and pays Western Union transfers at more than 500 Sogexpress points in Haiti.	source
CAM Transfer (Caribbean Airmail Inc.)	BRH-authorised maison de transfert based at the airport industrial park in Port-au-Prince.	source
Unitransfer S.A.	BRH-authorised maison de transfert based at the airport industrial park in Port-au-Prince.	source

Local banking and settlement accounts

Provider	What it does in Haiti	Source
Sogebank	Transfert Direct sur Compte credits international transfers to US dollar accounts at Sogebank in under 30 minutes, or at another Haitian commercial bank in 24 to 48 hours, with partners Western Union, MoneyGram, Remitee and VitaWallet.	source
Unibank	Offers interbank transfers to any local bank through SPIH and international wire transfers from Unibank accounts.	source

FX and liquidity

Provider	What it does in Haiti	Source
BRH reference rate (taux de référence)	Combines the banking system's volume-weighted average buying rate and the informal market's average buying rate, weighted by each segment; the BRH also calculates the banks' average acquisition (selling) rate, the TMA, and publishes both.	source
BRH FX interventions	The BRH buys or sells foreign currency on the formal FX market (banks and authorised exchange agents) when it judges it necessary, as an open-market style monetary policy instrument.	source
Circular 114-3 dollar counterpart rules	The dollar counterpart of transfers paid in gourdes goes 0% to the BRH, 70% at no extra cost to one or more financial institutions chosen by the bank or maison de transfert, and 30% to the authorised agent; the BRH reserves the right, on notice, to acquire up to US$0.25 of every dollar that banks, maisons de transfert and authorised exchange intermediaries buy.	source

KYC and KYB providers

Provider	What it does in Haiti	Source
Didit	Captures and reads the Carte d'Identification Nationale (CIN) issued by the Office National d'Identification, with OCR and template checks.	source

Funding and prefunding HTG payouts

Transfer operators abroad must remit the funds received from senders in US dollars to their authorised agents in Haiti (banks and maisons de transfert) or to their Haitian subsidiaries, so prefunding is in USD. source
The BRH publishes the reference rate and the average acquisition rate daily; on 24 October 2026 they were 130.7080 and 131.4420 gourdes per dollar. source
Banks and maisons de transfert reimburse their sub-agents for transfers paid 70% in gourdes and 30% in US dollars, and sub-agents must sell that 30% only to an authorised exchange intermediary. source
BRH Circular 98 of 20 May 2011 sets a US$1.50 fee on each international transfer, sent or received, collected by banks and maisons de transfert, billed monthly and payable before the 10th of each month; it does not apply to transfers banks make for their own account. source
Since 1 January 2026 the United States has charged a 1% tax on remittance transfers, as the Electronic Fund Transfer Act defines them (transfers that consumers send to recipients abroad), when the sender pays the provider in cash, by money order, by cashier's check or with a similar physical instrument; transfers funded from an account at a US financial institution or with a US-issued debit or credit card are exempt. The sender owes the tax, and the provider collects it and remits it quarterly. source

Size the prefund to your runway target with the corridor runway calculator and the Haiti holiday calendar.

Launch checklist

Plan: launch volume, the prefund sized to your runway target including weekends and holidays, the contracting entity and the funding route.
Open accounts: shortlist payout partners and a local banking route from the layers above, and prepare the onboarding pack.
Set up: read access to every new balance, a runway target with alerts, and the corridor in your daily reports.
Go live: the first prefund and a test payout, then daily monitoring.

Polynopsis turns this into one plan with named approvals, then shows every Haiti partner, bank and wallet in one live position. See how a corridor launch works.

Frequently asked questions

Are remittances to Haiti paid in gourdes or dollars?

Under BRH Circular 114-3, in force since 5 September 2022, transfers paid at service points or onto a payment instrument are paid in gourdes. Transfers can also be credited to the beneficiary's US dollar savings account.

Which exchange rate applies to gourde payouts?

No lower than the BRH reference rate and no higher than the average of the reference rate and the average acquisition rate. On 24 October 2026 these were 130.7080 and 131.4420 gourdes per dollar.

In which currency do foreign senders fund their Haitian partners?

US dollars. Circular 114-3 requires transfer operators abroad to remit senders' funds in dollars to their authorised agents or subsidiaries in Haiti.

Who can pay remittances in Haiti?

Banks, BRH-authorised maisons de transfert such as CAM Transfer, Sogexpress, Unitransfer and NatTransfer, and BRH-registered electronic payment providers such as MonCash and NatCash.

Is there a government fee on transfers to Haiti?

Yes. A US$1.50 fee applies per international transfer transaction; the BRH reports collecting US$310.4 million from July 2011 to September 2024.

How large are remittance inflows to Haiti?

The BRH recorded US$2,515.13 million in October 2025 to March 2026, 15.87% more than a year earlier. The World Bank puts 2024 personal remittances at US$4,111 million.

Other markets

Sources

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About Polynopsis

Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.

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