POS System Companies & Dealers in Christiansted, VI

Salty Locs Payments is a family-founded payment processing company headquartered in the U.S. Virgin Islands. It operates two offices, one in Gallows Bay on St. Croix and one at Annas Retreat on St. Thomas, and it also covers St. John and Water Island.

Merchants across the territory and the wider Caribbean turn to the firm for card processing, point-of-sale hardware and the local support that keeps those systems running. The company describes itself as the only full-service processor that is locally owned in the USVI, and the Bank of St. Croix names it as its exclusive preferred partner.

POS Systems and Payment Products

The company is an authorized Clover dealer as well as a Tier-1 wholesale processor, so buyers get both hardware and merchant services from one source. Its catalog covers a broad range of ways to accept money:

• Clover point-of-sale systems, delivered and configured by local staff
• Countertop and wireless card terminals that handle all major payment types
• Mobile payment options, from portable machines to smartphone apps
• Self-service kiosks for customer-driven checkout
• Payment gateways that connect to websites, booking platforms and hotel software
• Inventory tools with live stock counts, low-stock warnings and automatic purchase orders
• Branded gift card programs tied into the payment system
• Flexible business cash loans

How Engagements Work

New clients start by submitting a recent processor statement, which the team reviews in detail to flag excess charges; this free review generally takes about twenty minutes. A written savings plan follows, showing the proposed wholesale rate before any commitment. Merchants can then trial the service without a lease or long-term contract and may cancel without penalty.

Once they proceed, staff install the equipment on site at a time that suits the business and train employees where needed. Hardware can be financed without interest, and clients own their systems outright rather than renting them. Every device sold carries a company warranty that does not depend on a lease or contract.

When a problem arises, the team tries to resolve it by phone and, failing that, travels to the merchant's location.

Background and Team

The business was started by Julie Davis, her husband JP Davis and her sister Arlencia Philbert. Julie leads operations and the technical side, including installs, integrations and troubleshooting. JP heads sales and partner acquisition, while Arlencia oversees customer engagement and ongoing client care.

The firm first built its reputation serving marine-related operators such as marinas, dive charters and scuba shops, then grew through referrals into many other sectors. Featured clients include retailers, a pharmacy and tour operators, and the company reports serving more than 1,000 accounts in the islands.

For buyers weighing POS dealers in the Virgin Islands, the main differentiators are wholesale pricing without a middleman markup, ownership of equipment instead of costly leases, and an in-person support team based on island. The company says most merchants who switch lower their processing costs by roughly a quarter to a third, and it also offers a free plain-language guide to help owners interpret their own statements.