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Payment
Global Credit Card

Directly connected to major card networks with global coverage.

Local Payment

Offer regional and alternative payment methods for local checkout preferences.

Checkout

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

Payment Links

Create and share payment links instantly-no coding required.

Subscription

Automate recurring billing for digital products and subscriptions.

Payouts & cards
Mass Payouts

Fast, low-cost global disbursements

Card Issuing

USD virtual cards for advertising and AI subscriptions, plus a card issuing API.

Coverage & integration
Market Coverage & Pricing

Supported payment methods and published rates by market.

APAC Coverage

Local payment coverage across Southeast, East and South Asia.

EU / AMER Coverage

Card networks and bank rails across Europe and the Americas.

MENA Coverage

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

API integration

Automate payments, settlements, and reconciliation via robust API

All products →
By industry
E-commerce

Scale global checkout, refunds, and seller settlements

Game Publishing

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

Social Platforms

Enable tipping, P2P payments, and creator monetization

Content Platforms

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

Financial Institutions

Offer cross-border payouts and compliance-ready infrastructure

Forex 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 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 Acquiring

Acquirer, processor, acquiring bank and payment facilitator explained.

International Payment Gateway

Choosing a gateway for international sales.

Payment Gateway Hong Kong

Payment gateways for Hong Kong businesses.

Payment Gateway Fees

Fee structures, including cross-border and FX costs.

Payment Acceptance

How payment acceptance works end to end.

Chargeback Process

The chargeback lifecycle, step by step.

All guides →
Developers
API Documentation

Explore endpoints, webhooks, and integration guides.

API Reference

Endpoint schemas, parameters, and response formats.

API Integration

Automate payments, settlements, and reconciliation via robust API.

Blog, news & tools
Blog

Read insights on payments, integration, and global commerce.

News

Payments and fintech news

Editorial Policy

How HaiPay sources, verifies, and updates news coverage.

Payment Fee Calculator

Work out the real cost of accepting a card payment

Glossary

Plain-English definitions of payment terms

Compare ProvidersComing soon

Side-by-side comparisons with published sources

All tools →
About Us

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

Partners

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

Contact Us

Reach out to our team for support and partnership inquiries.

Support

Help centre, service status and merchant support

Trust & LicensesComing soonCareersComing soon

Open roles across engineering, payment operations and growth

HaiPay
  • Payment
    Global Credit Card

    Directly connected to major card networks with global coverage.

    Local Payment

    Offer regional and alternative payment methods for local checkout preferences.

    Checkout

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

    Payment Links

    Create and share payment links instantly-no coding required.

    Subscription

    Automate recurring billing for digital products and subscriptions.

    Payouts & cards
    Mass Payouts

    Fast, low-cost global disbursements

    Card Issuing

    USD virtual cards for advertising and AI subscriptions, plus a card issuing API.

    Coverage & integration
    Market Coverage & Pricing

    Supported payment methods and published rates by market.

    APAC Coverage

    Local payment coverage across Southeast, East and South Asia.

    EU / AMER Coverage

    Card networks and bank rails across Europe and the Americas.

    MENA Coverage

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

    API integration

    Automate payments, settlements, and reconciliation via robust API

    All products →
  • By industry
    E-commerce

    Scale global checkout, refunds, and seller settlements

    Game Publishing

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

    Social Platforms

    Enable tipping, P2P payments, and creator monetization

    Content Platforms

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

    Financial Institutions

    Offer cross-border payouts and compliance-ready infrastructure

    Forex 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 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 Acquiring

    Acquirer, processor, acquiring bank and payment facilitator explained.

    International Payment Gateway

    Choosing a gateway for international sales.

    Payment Gateway Hong Kong

    Payment gateways for Hong Kong businesses.

    Payment Gateway Fees

    Fee structures, including cross-border and FX costs.

    Payment Acceptance

    How payment acceptance works end to end.

    Chargeback Process

    The chargeback lifecycle, step by step.

    All guides →
    Developers
    API Documentation

    Explore endpoints, webhooks, and integration guides.

    API Reference

    Endpoint schemas, parameters, and response formats.

    API Integration

    Automate payments, settlements, and reconciliation via robust API.

    Blog, news & tools
    Blog

    Read insights on payments, integration, and global commerce.

    News

    Payments and fintech news

    Editorial Policy

    How HaiPay sources, verifies, and updates news coverage.

    Payment Fee Calculator

    Work out the real cost of accepting a card payment

    Glossary

    Plain-English definitions of payment terms

    Compare ProvidersComing soon

    Side-by-side comparisons with published sources

    All tools →
  • About Us

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

    Partners

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

    Contact Us

    Reach out to our team for support and partnership inquiries.

    Support

    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.

Filter and sort

  • 3D Secure payment gateway flow separating checkout, authentication, authorization, and approved or declined outcomes.

    September 8th

    3D Secure Payment Gateway: Merchant Setup and Testing

    Product
  • Digital business MCC lookup map comparing software stores, digital media, games, applications, streaming, and programming services.

    September 7th

    MCC Codes: Merchant Category Code Lookup for Merchants

    Product
  • Chargeback versus refund shown as two payment paths connected to one transaction record that prevents a duplicate payout.

    September 2nd

    Chargeback vs Refund: When Merchants Should Use Each

    Product
  • 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
View more
HaiPay

Products

All Products · Global Credit Card · Local Payment · Checkout · Payment Links · Subscription · Mass Payouts · Card Issuing · API integration · Pricing

Solutions

All Solutions · E-commerce · Game Publishing · Social Platforms · Content Platforms · Financial Institutions · Forex Payment Gateway · Cross-Border Payment

Coverage

APAC Coverage · EU / AMER Coverage · MENA Coverage

Guides

All Guides · Merchant Acquiring · International Payment Gateway · Payment Gateway Hong Kong · Payment Gateway Fees · Payment Acceptance · Chargeback Process

Developers

API Documentation · API Reference · API Integration

Resources

Blog · News · Editorial Policy · Glossary · Tools · Payment Fee Calculator

Company

About Us · Partners · Contact Us · Support
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Copyright © 2026 HaiPay. All rights reserved. Company HAIPAY LIMITED

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Products

  • All Products
  • Global Credit Card
  • Local Payment
  • Checkout
  • Payment Links
  • Subscription
  • Mass Payouts
  • Card Issuing
  • API integration
  • Pricing

Solutions

  • All Solutions
  • E-commerce
  • Game Publishing
  • Social Platforms
  • Content Platforms
  • Financial Institutions
  • Forex Payment Gateway
  • Cross-Border Payment

Coverage

  • APAC Coverage
  • EU / AMER Coverage
  • MENA Coverage

Guides

  • All Guides
  • Merchant Acquiring
  • International Payment Gateway
  • Payment Gateway Hong Kong
  • Payment Gateway Fees
  • Payment Acceptance
  • Chargeback Process

Developers

  • API Documentation
  • API Reference
  • API Integration

Resources

  • Blog
  • News
  • Editorial Policy
  • Glossary
  • Tools
  • Payment Fee Calculator

Company

  • About Us
  • Partners
  • Contact Us
  • Support
Terms & ConditionsPrivacy PolicyRefund PolicyCopyright © 2026 HaiPay. All rights reserved. Company HAIPAY LIMITED