How do people in Micronesia pay online?
The Federated States of Micronesia (FSM) is a very small market spread across four states: Chuuk, Kosrae, Pohnpei and Yap. The World Bank puts the population at about 114,000 in 2025, internet use at 39.5% in 2024 and ATMs at 13.0 per 100,000 adults in 2024. We found no published survey of how people in the FSM 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.
Banks provide the online channels. Bank of Guam, for example, runs branches in Chuuk, Pohnpei, Yap and Kosrae and offers online banking. The IMF, after its January 2026 mission, recommended using digital banking, together with fiscal reforms, to ease constraints on credit.
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 Micronesia.
What rules shape online payments in Micronesia?
The national tax on sales is a gross revenue tax. Under Title 54 of the FSM Code, every business pays USD 80 a year on the first USD 10,000 of gross revenue and 3% on revenue above USD 10,000. Businesses earning USD 2,000 a year or less are exempt, revenue from exports of goods is excluded, and a business operating in more than one state files a separate return for each state.
A VAT is being discussed. In December 2025 the FSM Department of Finance and Administration said the National Tax Reform Task Force had completed public consultations in all four states, and that a proposed Net Profits Tax and Value-Added Tax would replace a number of existing taxes. The announcement gave no start date.
We could not find official public sources on consumer withdrawal rights, data protection or payment-specific rules for online sales in the FSM, so this guide leaves them out.
How would Omno route payments in Micronesia?
A merchant would connect once and set routing rules per method, currency, amount and customer group. In Micronesia:
- 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 small, spread-out audience. Fewer than half of people used the internet in 2024, and the population lives across four island states.
Plan for US dollar pricing, with no FX step for USD settlement.
Plan for tax change. The gross revenue tax applies today, and a VAT and a Net Profits Tax have been proposed to replace several existing taxes.