Point of Sale Terminals

E-commerce, also known as electronic commerce or internet commerce, refers to the buying and selling of goods or services using the internet, and the transfer of money and data to execute these transactions. It is the transactional process for online shopping.

Currently, only credit card transactions can be facilitated via easyBiz.

Once transactions are submitted for settlement, the First Citizens account attached to easyBiz will be credited within 48 business hours.

All queries can be emailed to us or Business Owners can contact 686-1363 to speak to an agent.

Business Owners interested in easyBiz can click here to sign up. Once your information is submitted, an agent will contact you to complete the application process.

Yes, once approved a chequing account will be set up at a selected Branch. If a First Citizens business account exists, it can be attached to easyBiz.

easyBiz is a one-stop, e-commerce solution from First Citizens. With easyBiz, business owners will be able to expand their business online, by facilitating quick and easy electronic payments by placing payment buttons directly on their Facebook and Instagram accounts. Additionally, businesses without social media accounts will be able to generate payment links and share with customers via text, email or WhatsApp.

Additionally, with easyBiz business owners will be able to:
1) Automate Invoicing and Accounting
2) Create Digital Stores
3) Manage Products and Inventories
4) Generate Reporting

To complete the application process, the following documents will be required:
1) Two valid forms of Identification for all directors/partners/sole trader.
2) Completed application form, signed & stamped accordingly.
3) Copies of the business registration documents as outlined below:

For Limited Companies:

• Annual Return
• Certificate of Registration or Incorporation
• Articles of Incorporation including:
• Notice of Directors
• Notice of Secretary
• Notice of Address

For Partnerships:

• Business Registration
• Partnership Agreement

For Sole Traders:

• Business Registration

mFirst is a Mobile Point of Sale (MPoS) solution designed for payment acceptance from debit and credit cards.

mFirst pairs a smart device to the mobile card reader via bluetooth technology. Initially, pairing may take a few minutes. When not in use, the pairing function will time out to preserve the device’s battery life.

To apply for mFirst, your business can be registered as a Sole Trader, Partnership or a Limited Liability. Requirements include:

1. Completed Application Form

2. Certificate of Registration/Incorporation/Continuance

3. Two forms of valid identification (for each partner/director)

4. Proof of address (for each partner/director)

 Additional Requirements for Limited Liability Company:

 • Articles of Incorporation/Articles of Continuance

• Notice of Directors/Notice of Change of Directors

• Notice of Address/Change of Address

• Notice of Secretary/Change of Secretary

• Annual Returns

• Downloading the mFirst app (Google Play and Apple Store)

• FREE mFirst Service

• Affordable monthly charges

• Transactions Standard Point of Sale fees

• Receipts via SMS

• Standard mobile carrier fee.

The mFirst solution is compatible with both Android (Google Play) and IOS (Apple Store) devices. The solution can be paired with your mobile phone or tablet. Contact us for a full listing of these devices. Please note, a wireless data plan, Wi-Fi or an internet connection is required.

Yes, mFirst accepts both debit (Linx) and credit cards (Visa and MasterCard).

Yes, both chip and non-chip card payments are accepted.

Transactions are settled automatically daily. Transactions processed before 7pm are credited to your account on the same day. Transactions processed after 7pm are credited to your account the next day.

A transaction can only be voided prior to terminal settlement. The merchant is required to log in to view and select the transaction. Once this is completed, a prompt to void the transaction appears. Please note, a voided transaction cannot be reversed.

Electronic receipts will be sent via email or SMS to the customer. Merchants will be given access to a merchant portal which allows them to view their receipts. Paper receipts will not be generated.

Try charging the device. If this does not work, please contact a First Citizens representative.

The mFirst solution is extremely secure. A few of the security features include:

• Account setup information can only be configured by First Citizens.

• A mobile phone and card reader can only be paired if the user has the username and password. Merchants are required to implement strict controls and limit persons with access to this password.

• Transactions can only be voided with the entry of a username and password.

• No information is stored on either the smart device or mFirst device.

• The merchant’s mobile phone’s locking device should be activated to automatically lock after one minute of inactivity.

• All transactions are securely processed through First Citizens.

If the device is lost or stolen, immediately contact a First Citizens representative.

Merchants will be given access to a merchant portal which allows access to their transaction history from the inception of their account.

Transaction limits are determined by the bank during the application process. The terminal is configured to ensure transactions greater than this limit are not processed.

No. The device is programmed for processing transactions within the jurisdiction of Trinidad and Tobago. Usage outside of Trinidad and Tobago will result in non-payment of funds to the account.

• efirst is an easy, fast, secure, “real time” online banking system which allows the customer to monitor and manage their company’s activities globally via the internet.
• efirst gives the businessman the edge in today’s dynamic financial landscape.

You will need a personal device with internet access and any standard browser – Internet Explorer 8.0 / Google Chrome 80.0; SSL 128-bit encryption. The service works best with these browsers.
To check for these requirements, click “help” on your browser, and then select “about Internet Explorer” or “about Google Chrome as it pertains to your browser.

• Companies or Corporations
• Statutory Boards
• Local Government
• Any other business entity

You must maintain at least one deposit account with the Bank from which balance inquiries, or payments or transfers can be done, as well as fees can be deducted. The Bank can suspend or close your service if your account is not maintained or fees are not being deducted.

There are a number of ways to access the site:

1. You can log in directly via https://www.firstcitizens-efirst.com/
2. You can log on using the web site address https://wpvip-firstcitizensgroup-com-preprod.go-vip.net/tt/businesss/banking/

We have carefully chosen our hardware and software to include the most advanced security features currently available to the industry. First Citizens continue to keep security at the forefront by ensuring there are layers of security when using the site.

No. Our security features ensure that only users assigned by your Company Administrator can have access to your account.
Each authorized user will have unique ID and password to access efirst. Our password security system utilises the latest commercially available encryption techniques to ensure that your transactions, including logging in to your account, cannot be intercepted and interpreted by anyone.
You, however, must ensure that your password is never shared with anyone.

If you feel that someone else knows your password, change it immediately, as well as contact 62-FIRST option 6 then 1 to advise a Representative.

If you are a Company Administrator, you can call 62 FIRST option 6 then 1. Any changes to Company Administration, authorized signatories of the company must send a letter to the bank requesting the change and a password be reset.
A Company Administrator cannot reset another Company Administrator. The Company Administrator can reset all other users of the company.

If you receive a message stating that you have been blocked by adaptive authentication error, you must contact an efirst Officer to grant access to the service again.

No. All password resets must be requested by authorized signatories of your company. Also, any Company Administrator who contacts the Bank, are identified using an internal review process.

Yes.

However, to prevent anyone from impersonating you, you will be required to provide supporting documentation for all changes, which can be supplied to your home branch or our office. Your Company Administrator and the efirst Officers will work with you to effect the required changes.

You can view up to the minute balances on all of your deposit accounts, which includes your Foreign currency, Investment and Loan accounts. You can view your credit card balances also however you do not have real-time access to funds. Your card will be updated within twenty-four hours after payment to the card. If a same day request is required, this can be sent via secure message to the unit which will be directed to the relevant area. A fee for same day requests is applicable and will be reviewed on a case by case basis.

Yes! “Real-time” references funds are accessible to use and updated within half an hour; three hours or within forty-eight hours after your action, dependent on the transaction (transfer, ACH, bill payment, wire transfer).
Should we, at any time, be temporarily unable to process transactions, you will be notified.

Yes! You can access your account at any time, from anywhere in the world, as long as you have access to the internet and are using the recommended browsers with the relevant security parameters.

There are no limits to the number and value for transactions you can do, which is subject to your account balance; availability of funds and the pre-set limits as outlined by your Company Administrator.

Yes! We will provide you with a full fee schedule of all associated charges in your Letter of Offer or upon request. No fees will be charged without your knowledge.

Transfers between your accounts done via efirst are done in “real time”, that is, transactions are done within a short space of time and will be reflected in your account.

Our systems are designed with a series of checks and balances to ensure the integrity of all transactions. In addition, a balance inquiry can be done on the account to verify that the transaction was processed. It is the responsibility of the customer to provide correct information, which the Bank will act on in good faith, however, if unsure efirst, within reason, will assist with the verification process.

We can be contacted at 62-FIRST Option 6 then 1 where our team of helpful personnel are available during the hours of 7:45 a.m. to 4:00 p.m. Monday to Thursday and 7:45 a.m. to 5:15 p.m. on a Friday; will be willing to assist.
You may also contact the Electronic Banking Unit during normal business hours at 625 2893; 62 FIRST option 6 then 1. You may also e-mail us at efirst@firstcitizenstt.com; or via secure messaging.
After hours support is provided by the Contact Centre – 62 FIRST option 3 who will ably provide assistance or redirect to personnel for action at next available time.

First Citizens efirst service is governed by the laws of Trinidad & Tobago as detailed in the Code of Banking Practice
prepared by the Bankers Association of Trinidad & Tobago (BATT), as well as being in compliance with regulatory and international banking practices.

Whilst we do urge feedback via various forms directly to us (secure message; emails; contact 62 FIRST option 6 then 1), the Bank also has a customer complaint desk which can be reached at 675 – INFO (675- 4636).
Grievances lodged at the customer complaint desk is handled independently of the Electronic Banking Unit

The Mfirst App is the upgraded version of our mobile point-of-sale (MPOS) solution, designed to convert Android devices into secure, contactless payment terminals, no additional hardware needed. This means more mobility at less cost.  By leveraging NFC (Near Field Communication) technology. The Mfirst App allows merchants to accept payments via credit and debit, cards with ease and flexibility. It offers contactless convenience for modern customer expectations.

The MFirst App works with Android devices running version 8.0 (Oreo) or higher that are equipped with Near Field Communication (NFC) functionality. Please note that an active internet connection, via mobile data or Wi-Fi, is required for smooth transaction processing. It offers minimum hassle and wide compatibility for user confidence.

The MFirst App accepts contactless credit card, debit card and digital wallet payments, offering customers more ways to pay, quickly and securely.

Yes. the MFirst App supports secure PIN-authenticated transactions, just like the original version, ensuring compliance, safety, and peace of mind for you and your customers.

Yes. The MFirst App is built with robust security at its core. It complies with Payment Card Industry Data Security Standards (PCI DSS) and uses advanced encryption to protect all transactions.

• Customer card data is never stored; it is encrypted and processed in real time.
• Transactions can only be processed by authenticated merchants.
• Sensitive information is never saved on the device.

These layered protections ensure that your business and your customers remain safe and secure.

Yes! The MFirst App lets you send digital receipts instantly via email, SMS, or QR code, providing customers with a seamless, eco-friendly, and traceable transaction experience.

Currently, the MFirst App supports transactions in Trinidad and Tobago Dollars (TTD) only. The application is intended for use within Trinidad and Tobago. Transactions attempted outside of this jurisdiction may not be processed, and funds may not be settled to your account.

Transaction limits are customized based on the merchant profile during the application process. the MFirst App is configured accordingly to ensure compliance and protect both the merchant and the customer.

Yes, the MFirst App maintains the same fee structure as the current MPOS solution, ensuring a seamless and familiar transition for existing users.

This includes applicable transaction fees, monthly service charges, and other related costs. Merchants will continue to enjoy reliable pricing while gaining access to enhanced features, mobility, and flexibility through the MFirst App.

You will continue to receive same-day settlement with the MFirst App, just like with the current system. That means you can count on fast, reliable access to your funds every day you do business.

First, check that:

• Your device meets the system requirements (Android 8.0 or higher with NFC).
• NFC is turned on in your settings.
• You have a stable internet connection (Wi-Fi or mobile data).

If you are still having trouble, reach out to our support team, we are here to help.

Contact pos@firstcitizenstt.com for support.

For help or support, feel free to contact us at pos@firstcitizenstt.com. We will be happy to assist you.

Yes, the Mfirst App includes an easy-to-use in-app dashboard where you can track transactions in real time, view past activity, and monitor performance, empowering you to stay in control of your business, anytime, anywhere.

Yes, the Mfirst App requires mobile data or internet connection for optimal functionality.