A Stripe alternative for the Isle of Man, Jersey and Guernsey

If you run a business in the Isle of Man, Jersey or Guernsey, you have probably hit the same wall we did: you go to set up online card payments, and the provider everyone recommends does not support you. Stripe, and most of the big names, simply do not operate in the Crown Dependencies. We built Ripple Pay to fix exactly that.

Why taking card payments is so hard in the Crown Dependencies

The Isle of Man, Jersey and Guernsey are not part of the UK, and that small geographic fact creates a big practical problem. Most modern payment tools are built for businesses in the UK, EU or US, and the islands fall outside their supported regions. So while a business in Manchester can switch on card payments in minutes, a business in Douglas, St Helier or St Peter Port often cannot.

The result is that island businesses get left on the slow lane: bank transfers, cheques and a lot of polite chasing. Collecting payment becomes genuinely difficult, and that is not a reflection of the businesses here. It is a gap in the tools available to them.

Why Stripe and similar providers do not work here

If you have searched for a Stripe alternative in the Isle of Man, or tried to set up card payments in Jersey or Guernsey, you will know the pattern. You reach the sign-up step, you select your country, and the Crown Dependencies are not on the list. Many of the payment features built into accounting software run on these same providers underneath, so they hit the same wall.

That leaves island businesses with very few real options for taking card payments on their invoices, which is the single most effective way to get paid quickly.

Why we built Ripple Pay

We are based here, and we felt this problem first-hand. It never sat right with us that a business should be at a disadvantage simply because of where it is. So we built Ripple Pay to level the playing field for the islands: to give Isle of Man, Jersey and Guernsey businesses the same effortless "pay by card" experience that mainland businesses take for granted, and to remove the friction that was slowing everyone down.

Xero and QuickBooks card payments that actually work in the islands

Ripple Pay connects to the accounting software you already use. That means Xero card payments in the Isle of Man, Jersey and Guernsey, and the same for QuickBooks, without changing how you invoice. You send invoices exactly as you do now, and your client gets the option to pay by card, Apple Pay or Google Pay the moment they open it.

• Works for businesses based in the Isle of Man, Jersey and Guernsey
• Connects to Xero and QuickBooks
• Clients pay by card, Apple Pay or Google Pay on the invoice
• No card machine and no separate portal

Priced below the built-in features, with your branding

We deliberately priced Ripple Pay below the card-payment features built into the major accounting platforms, because levelling the playing field has to include the cost. On top of that, your payment experience carries your own branding, not someone else's. Your customers see your business, so your brand gets to shine at the exact moment they pay.

Frequently asked questions

Does Stripe work in the Isle of Man, Jersey or Guernsey?

Generally no. Stripe and most mainstream payment providers do not support businesses based in the Crown Dependencies, which is the gap Ripple Pay was created to fill.

Can I take card payments on invoices if my business is in Jersey or Guernsey?

Yes. Ripple Pay is built for island businesses, so you can take card payments on your Xero or QuickBooks invoices wherever you are in the Crown Dependencies.

Do I need to change my accounting software?

No. Ripple Pay works with the Xero or QuickBooks setup you already have and the invoices you already send.