How do people in the Marshall Islands pay online?
The Marshall Islands is one of the smallest markets in the region. The World Bank puts the population at about 36,000 in 2025, internet use at 65.9% in 2024 and ATMs at 12.2 per 100,000 adults in 2024. We found no published survey of how people there pay online, so this guide sticks to what can be sourced.
Prices are in US dollars, so a merchant does not need to support a separate local currency.
Local banks offer the online channels. The Bank of the Marshall Islands has nine branches, including Majuro, Ebeye and Kwajalein, offers mobile banking and provides MoneyGram transfers at all branches. Bank of Guam also has a presence in the Marshall Islands.
Google Pay is on Google’s list of countries where people can pay online and in apps. Apple Pay is not on Apple’s list for the Marshall Islands.
What rules shape online payments in the Marshall Islands?
Cross-border payments depend on one banking link. In its 2025 Article IV consultation, concluded on 29 October 2025, the IMF warned that withdrawal of the last correspondent banking relationship could disrupt trade and remittance flows. After a staff visit in September 2026 it again called reliance on a single correspondent relationship an important vulnerability and urged continued anti-money laundering work to safeguard it.
A monetary authority is being set up. The IMF welcomed the passage of legislation establishing a Monetary Authority aimed at strengthening financial stability and inclusion, and in September 2026 listed bringing it fully into operation as a priority.
New digital instruments are under review. The IMF has urged caution on USDM1, described as a tokenised sovereign digital bond backed by short-term US Treasury securities, saying its contribution to financial inclusion remains uncertain.
We could not find official public sources on sales tax rates, consumer withdrawal rights or data protection for online sales in the Marshall Islands, so this guide leaves them out.
How would Omno route payments in the Marshall Islands?
A merchant would connect once and set routing rules per method, currency, amount and customer group. In the Marshall Islands:
- Card payments in USD would be routed by BIN to a provider that acquires Visa and Mastercard, with cascading to the next provider in the rule if one is unavailable or rejects the request.
- Google Pay would be offered on the hosted checkout and routed under the same card rules.
- Bank transfers could be accepted through a provider that confirms incoming payments by notification.
Webhooks would report the final status of every payment, and the routing-decision log would show which provider handled each payment and why.
What should merchants plan for?
Plan for a very small audience. About 36,000 people live in the country, spread across atolls.
Plan for US dollar pricing, with no FX step for USD settlement.
Plan for correspondent banking risk. The IMF says the country relies on a single correspondent relationship, so keep more than one provider in your rules for cross-border payments.