Unlike Cozumel, where most vendors near the port speak both Spanish and English, and US currency is almost universally accepted, that may not always be the case in Mahogany Bay. In my experience at the shops just outside the port terminal, many vendors spoke little or no English, and several merchants only accepted Honduran Lempiras (HNL). The symbol for lempiras is L, which can become confusing, so always double-check the currency before purchasing anything.

Credit cards are widely accepted but not universal, and tap-to-pay or contactless payment is common in most locations. A tap-to-pay credit card, also known as a contactless card, allows users to make payments quickly and securely by simply tapping the card against a contactless-enabled payment terminal, eliminating the need to swipe or insert the card and enter a PIN.

Note that in many Caribbean ports of call, while vendors generally may accept US currency, they might not if the bills are overly worn, contain marks, or are in any way torn or damaged. In this case, they may provide change back in the form of the local currency.