FAQ: Online Payment System

What is the NHT Online Payment System?

The NHT Online Payment System is a credit card payment facility that will allow legitimate holders of a Visa, MasterCard or Keycard to make regular mortgage via NHT’s website.

What payments can be made using NHT Online Payment System?

Regular mortgage payments, voluntary and self-employed contributions

How are payments made via NHT Online Payment System?

Payments are made in three easy steps: (1) Log on to www.nht.gov.jm and Create a User Profile. (2) Register your Credit Card. (3) Make a payment.

What should I have when making a payment?

When making a payment you should have your account number, the name of Mortgagor/Contributor and your NIS Number

Can I use a debit card to make a payment(s) online?

Payments can only be made using a Master card, Visa and Keycard

I am not a mortgagor or contributor; can I make payments to a friend’s or family member’s account using my credit card?

Yes, you can make payments on behalf of a friend or family member

Can I make payments to multiple mortgages or contribution accounts in a single transaction?


Will I be able to make payments in the currency my assessment was done in as a voluntary contributor?

Payments are only accepted in Jamaican Dollars (JMD) , therefore you would need to convert same to the JMD equivalent.

How soon after a payment is made will my account be updated?

Payments made Mondays to Thursdays will be applied within 24 hours. Payments made on Fridays, weekends or public holidays will be applied to accounts on the next business day.

Will the NHT send me a statement to reflect the payment made online?

You can view and print your payment history online and your usual annual statement will reflect all payments made on the account irrespective of the medium used.

How can I be sure my online transaction is secure?

This web site uses Secure Socket Layer (SSL) to provide the necessary assurance that personal data transmitted during this period is secure.  Look for the padlock symbol in the status bar on the bottom right hand corner of your web browser and the URL address starting with "https://", to assure you that the site has SSL.

Can I make direct principal payments to my mortgage account online?

All principal payments MUST be made at a NHT Office.

Can I set up an automatic payment each month using my credit card?


Can I cancel or stop a payment?

Once a receipt has been issued after confirmation the payment cannot be stopped.

Can I apply for a refund of a credit card payment?

Customers may apply for a refund of a credit card payment, however the Trust DOES NOT refund credit card payments made via NHT Online. Guided by the Electronic Transactions Act (2007) exceptions are that at our discretion we may make refunds to the customer, in instances where a Glitch occurred during transaction or an erroneous over payment was made.

How long will it take to get a refund, if approved?

Turnaround time for refund is 15 days

How will the refund be made?

All refunds will be credited to the credit card used during the transaction.

If my mortgage is in arrears, public auction, private treaty or litigation, can I make payments using the online facility?

No, payments must be made at the NHT cashier or to the external attorney who is handling the case on NHT's behalf.