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Payment
Global Credit CardGlobal Credit Card

Directly connected to major card networks with global coverage.

Local PaymentLocal Payment

Offer regional and alternative payment methods for local checkout preferences.

CheckoutCheckout

Seamlessly embed our checkout into your product with flexible UI and payment options.

Payment LinksPayment Links

Create and share payment links instantly-no coding required.

SubscriptionSubscription

Automate recurring billing for digital products and subscriptions.

Payouts & cards
Mass PayoutsMass Payouts

Fast, low-cost global disbursements

Business Virtual CardsComing soonCard IssuingComing soon
Coverage & integration
Market Coverage & PricingMarket Coverage & Pricing

Supported payment methods and published rates by market.

APAC CoverageAPAC Coverage

Local payment coverage across Southeast, East and South Asia.

EU / AMER CoverageEU / AMER Coverage

Card networks and bank rails across Europe and the Americas.

MENA CoverageMENA Coverage

Bank-led rails and regional wallets across the Middle East and North Africa.

API integrationAPI integration

Automate payments, settlements, and reconciliation via robust API

All products →
By industry
E-commerceE-commerce

Scale global checkout, refunds, and seller settlements

Game PublishingGame Publishing

Support in-game purchases, virtual currencies, and global payouts

Social PlatformsSocial Platforms

Enable tipping, P2P payments, and creator monetization

Content PlatformsContent Platforms

Monetize streaming, subscriptions, and episodic content with flexible payment flows.

Financial InstitutionsFinancial Institutions

Offer cross-border payouts and compliance-ready infrastructure

Forex Payment GatewayForex Payment Gateway

Deposits and withdrawals for licensed forex and CFD platforms

TravelComing soon

Payments for travel platforms, agencies and suppliers

AI CompaniesComing soon

Billing and global collection for AI products

By business model
Cross-Border PaymentCross-Border Payment

Cross‑border payments that enable local collection and payout worldwide.

SaaSComing soon

Recurring billing and global card acceptance for SaaS

B2B PaymentsComing soon

Cross-border collection and disbursement for B2B platforms

MarketplacesComing soon

Payment solutions for marketplace platforms

Platforms & Embedded FinanceComing soon

Payment infrastructure for software platforms

Creator EconomyComing soon

Pay creators and partners in local currency

All solutions →
Guides
Merchant AcquiringMerchant Acquiring

Acquirer, processor, acquiring bank and payment facilitator explained.

International Payment GatewayInternational Payment Gateway

Choosing a gateway for international sales.

Payment Gateway Hong KongPayment Gateway Hong Kong

Payment gateways for Hong Kong businesses.

Payment Gateway FeesPayment Gateway Fees

Fee structures, including cross-border and FX costs.

Payment AcceptancePayment Acceptance

How payment acceptance works end to end.

Chargeback ProcessChargeback Process

The chargeback lifecycle, step by step.

All guides →
Developers
API DocumentationAPI Documentation

Explore endpoints, webhooks, and integration guides.

API ReferenceAPI Reference

Endpoint schemas, parameters, and response formats.

API IntegrationAPI Integration

Automate payments, settlements, and reconciliation via robust API.

Blog, news & tools
BlogBlog

Read insights on payments, integration, and global commerce.

NewsNews

Payments and fintech news

Editorial PolicyEditorial Policy

How HaiPay sources, verifies, and updates news coverage.

Payment Fee CalculatorComing soon

Work out the real cost of accepting a card payment

GlossaryGlossary

Plain-English definitions of payment terms

Compare ProvidersComing soon

Side-by-side comparisons with published sources

About UsAbout Us

About HaiPay — local-first payment infrastructure for global digital businesses.

PartnersPartners

Explore HaiPay's partner network across payment infrastructure, e-commerce, SaaS, gaming, and growth.

Contact UsContact Us

Reach out to our team for support and partnership inquiries.

SupportSupport

Help centre, service status and merchant support

Trust & LicensesComing soonCareersComing soon

Open roles across engineering, payment operations and growth

HaiPay
  • Payment
    Global Credit CardGlobal Credit Card

    Directly connected to major card networks with global coverage.

    Local PaymentLocal Payment

    Offer regional and alternative payment methods for local checkout preferences.

    CheckoutCheckout

    Seamlessly embed our checkout into your product with flexible UI and payment options.

    Payment LinksPayment Links

    Create and share payment links instantly-no coding required.

    SubscriptionSubscription

    Automate recurring billing for digital products and subscriptions.

    Payouts & cards
    Mass PayoutsMass Payouts

    Fast, low-cost global disbursements

    Business Virtual CardsComing soonCard IssuingComing soon
    Coverage & integration
    Market Coverage & PricingMarket Coverage & Pricing

    Supported payment methods and published rates by market.

    APAC CoverageAPAC Coverage

    Local payment coverage across Southeast, East and South Asia.

    EU / AMER CoverageEU / AMER Coverage

    Card networks and bank rails across Europe and the Americas.

    MENA CoverageMENA Coverage

    Bank-led rails and regional wallets across the Middle East and North Africa.

    API integrationAPI integration

    Automate payments, settlements, and reconciliation via robust API

    All products →
  • By industry
    E-commerceE-commerce

    Scale global checkout, refunds, and seller settlements

    Game PublishingGame Publishing

    Support in-game purchases, virtual currencies, and global payouts

    Social PlatformsSocial Platforms

    Enable tipping, P2P payments, and creator monetization

    Content PlatformsContent Platforms

    Monetize streaming, subscriptions, and episodic content with flexible payment flows.

    Financial InstitutionsFinancial Institutions

    Offer cross-border payouts and compliance-ready infrastructure

    Forex Payment GatewayForex Payment Gateway

    Deposits and withdrawals for licensed forex and CFD platforms

    TravelComing soon

    Payments for travel platforms, agencies and suppliers

    AI CompaniesComing soon

    Billing and global collection for AI products

    By business model
    Cross-Border PaymentCross-Border Payment

    Cross‑border payments that enable local collection and payout worldwide.

    SaaSComing soon

    Recurring billing and global card acceptance for SaaS

    B2B PaymentsComing soon

    Cross-border collection and disbursement for B2B platforms

    MarketplacesComing soon

    Payment solutions for marketplace platforms

    Platforms & Embedded FinanceComing soon

    Payment infrastructure for software platforms

    Creator EconomyComing soon

    Pay creators and partners in local currency

    All solutions →
  • Pricing
  • Guides
    Merchant AcquiringMerchant Acquiring

    Acquirer, processor, acquiring bank and payment facilitator explained.

    International Payment GatewayInternational Payment Gateway

    Choosing a gateway for international sales.

    Payment Gateway Hong KongPayment Gateway Hong Kong

    Payment gateways for Hong Kong businesses.

    Payment Gateway FeesPayment Gateway Fees

    Fee structures, including cross-border and FX costs.

    Payment AcceptancePayment Acceptance

    How payment acceptance works end to end.

    Chargeback ProcessChargeback Process

    The chargeback lifecycle, step by step.

    All guides →
    Developers
    API DocumentationAPI Documentation

    Explore endpoints, webhooks, and integration guides.

    API ReferenceAPI Reference

    Endpoint schemas, parameters, and response formats.

    API IntegrationAPI Integration

    Automate payments, settlements, and reconciliation via robust API.

    Blog, news & tools
    BlogBlog

    Read insights on payments, integration, and global commerce.

    NewsNews

    Payments and fintech news

    Editorial PolicyEditorial Policy

    How HaiPay sources, verifies, and updates news coverage.

    Payment Fee CalculatorComing soon

    Work out the real cost of accepting a card payment

    GlossaryGlossary

    Plain-English definitions of payment terms

    Compare ProvidersComing soon

    Side-by-side comparisons with published sources

  • About UsAbout Us

    About HaiPay — local-first payment infrastructure for global digital businesses.

    PartnersPartners

    Explore HaiPay's partner network across payment infrastructure, e-commerce, SaaS, gaming, and growth.

    Contact UsContact Us

    Reach out to our team for support and partnership inquiries.

    SupportSupport

    Help centre, service status and merchant support

    Trust & LicensesComing soonCareersComing soon

    Open roles across engineering, payment operations and growth

Sign InContact Us
  1. Home
  2. /Blog

Blog

The HaiPay Blog

Explore and learn more about everything from machine learning and global payments to building marketplaces and scaling your team.

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  • Chargeback reason codes cover showing the four Visa dispute categories numbered 10, 11, 12, and 13.

    August 25th

    Chargeback Reason Codes: Every Current Visa Dispute Condition

    Payment Operations
  • Payment settlement time guide showing settlement schedule, payout schedule, and bank transit as three connected clocks, with prompts to confirm the clock, day unit, and payout schedule.

    August 24th

    Payment Settlement Time: What T+N Actually Means and When Your Money Arrives

    Acquiring & Local Payments
  • Payment gateway integration roadmap from requirements and model selection through testing, pilot, launch, and rollback.

    August 23rd

    Payment Gateway Integration: A Non-Code Selection and Launch Guide

    Payment Operations
  • Payment gateway total-cost components for a small business, including transaction, cross-border, FX, payout, refund, dispute, and operating costs.

    August 21st

    Low-Cost Payment Gateways for Small Businesses: Compare Total Cost

    Fees & Pricing
  • B2B payment acceptance — the supplier's side of getting paid.

    August 20th

    B2B Payment Acceptance: The Supplier's Side

    Acquiring & Local Payments
  • Cover illustration for an article on credit card decline codes, showing three stacked payment layers representing the gateway, acquirer, and issuer.

    August 20th

    Credit Card Decline Codes: A Merchant's Guide to Reading Them as Risk Signals

    Payment Operations
  • Interchange plus pricing guide showing a $100 transaction costing $2.50 under IC++ versus $2.80 under blended 2.5% + $0.30 pricing.

    August 20th

    Interchange Plus Pricing: How to Read the Quote and Do the Math

    Acquiring & Local Payments
  • HaiPay cover comparing published US credit card processing fees of 1.5%–3.5% with merchant-reported all-in rates mostly 2%–3.2%, plus the effective-rate formula.

    August 18th

    Credit Card Processing Fees: Rates, Real Merchant Numbers, and How to Lower Yours

    Acquiring & Local Payments
  • HaiPay cover showing how a $2,000 payment batch reconciles through $115.30 of explained deductions to a $1,884.70 bank deposit

    August 12th

    Payment Gateway Reconciliation: How to Match Settlement Reports to Your Books

    Payment Operations
  • Embedded finance ecosystem connecting payments, banking infrastructure, and data connectivity

    July 23rd

    What Is Embedded Finance? Definition, Examples, and How It Works (2026)

    Payment 101
  • What Is Banking as a Service guide cover illustrating a licensed bank, API infrastructure, a digital platform, and cross-border payments.

    July 22nd

    What Is Banking as a Service (BaaS)? A Guide for Cross-Border Platforms

    Payment 101
  • Ecommerce checkout payment flow moving through a merchant account to a business bank

    July 21st

    Ecommerce Merchant Account: How It Works and How to Choose One

    Acquiring & Local Payments
HaiPay
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