HaiPay provides Blended and IC++ pricing, offering simple or cost‑transparent rates tailored to your payment mix and markets.
From 2.5% + $0.30
per transaction
Simple and clear, ideal for small and medium merchants
Standard rate for eligible merchant entities and transaction types. Your quote confirms the exact scope that applies to you.
Interchange ++
Invoice‑level transparency, ideal for high‑volume enterprises
Payment gateways typically price through blended, interchange-plus (IC++), tiered or subscription models. HaiPay offers blended and IC++ — the right choice depends on how much simplicity or cost-level visibility your finance team needs. Exact terms remain specific to your approved quote.
| Blended pricing | IC++ pricing | |
|---|---|---|
| Rate structure | Eligible cost components are consolidated into one quoted transaction rate. | Interchange, scheme and processing costs are separated. |
| Invoice visibility | Designed for a simpler commercial view. | Designed for more granular cost visibility. |
| Typical decision need | Predictability and straightforward reconciliation. | Cost analysis across a varied payment mix. |
| How pricing is confirmed | HaiPay defines the agreed scope and rate in your quote. | HaiPay defines each applicable component in your quote. |
Every fee that can apply to a HaiPay account, in one place. Items without a listed amount are confirmed in your quote.
| Item | Price | Notes |
|---|---|---|
| Card processing | Blended 2.5% + $0.30 per transaction | Covers card network (IC++) costs |
IC++ Interchange + scheme fee + HaiPay processing fee | Each component itemized in your quote | |
| Local payment methods | From 0.8%, priced by market | Confirmed in your quote based on entity, volume and transaction quality |
| RefundsMerchant-initiated | US$0.30 per refund | |
| Chargebacks & other refund types | Confirmed in your quote | Contact your account manager for details |
| Cross-border & currency conversion | Confirmed in your quote | Based on contracting entity region and settlement currency |
| Settlement | Settlement transfer(USD) US$15 per transfer | Applies when settling in USD to your account |
Settlement timeline Typically T+3 | Confirmed in your quote based on entity, volume and transaction quality | |
| Fixed fees | Setup fee US$0 | |
Monthly fee US$0 | ||
| Minimum monthly processing volume | US$1,000 per month | A volume requirement, not a fee |
| Security deposit | Confirmed in your quote | Based on transaction quality and business model |
Fees without a listed amount are confirmed in your signed commercial agreement. This page describes pricing structure and is not a binding offer.
IC++ separates every cost component, so your statement shows exactly what the card networks charge and what HaiPay charges.
Set by the card networks and paid to the cardholder's issuing bank. It varies by card type, region and how the payment is made.
Charged by card networks such as Visa and Mastercard for clearing and network services.
HaiPay's service fee, fixed and itemized in your quote.
| Component | Illustrative rate | Amount |
|---|---|---|
| Interchange | 1.80% | US$1.80 |
| Scheme fee | 0.20% | US$0.20 |
| HaiPay processing fee | 0.50% | US$0.50 |
| Total processing cost | 2.50% | US$2.50 |
Figures are hypothetical and for illustration only. Actual interchange and scheme fees follow the card networks' published tables at the time of processing; the HaiPay processing fee follows your quote. IC++ pricing requires a minimum monthly processing volume of US$1,000.
See the payment methods we support in each market — rates are confirmed in your quote, with local methods from 0.8%.
Cards
Accept widely used credit, debit, and prepaid cards for online payments.
etc.Wallets
Enable mobile payments through local and global digital wallets.
etc.Bank Transfers
Support secure bank transfers and real-time A2A payments across regions.
Others
Offer virtual accounts, OTC cash payments, and other alternative payment methods.
Northeast Asia
Offline ATM Transfer; Convenience Store
Convenience Store; Pay-easy
Southeast Asia
VA; QRIS
DuitNow QR
VietQR
PromptPay
QR Ph
South Asia
MENA
VA
Europe & Americas
We review the operating details that change the cost and complexity of processing before recommending a pricing model.
Expected monthly value, transaction count and average order value help define the commercial scope.
Cards, bank transfers, wallets and other local methods can carry different cost structures.
Card type, funding source and other network variables can affect underlying processing costs.
Your acceptance markets, settlement currencies and cross-border flows determine the routes required.
Industry, transaction pattern and dispute exposure are reviewed during commercial and compliance assessment.
Settlement setup, reporting, integration and operational support requirements are confirmed in the proposal.
A useful pricing proposal does more than show a headline rate. It should make the commercial scope, variables and exceptions clear enough for finance and operations to review.
These commercial terms should be explicit in the proposal and agreement.
Applicability depends on your configuration and must be confirmed in writing.
This page explains pricing structure, not a binding offer. Your signed commercial agreement is the source of truth for rates, scope and applicable fees.
A short discovery process gives both sides the information needed to review the real cost structure.
Tell us your markets, methods, currencies, volume range and operating requirements.
We recommend a model and set out the applicable commercial components for review.
Your team reviews the final scope, settlement setup and agreement before implementation.
Pricing follows the products, markets and payment methods you plan to use. Explore the relevant flow before you speak with our team.
Review HaiPay's card acceptance flow and the processing capabilities relevant to your quote.
Explore credit cardsUnderstand the local payment coverage that may form part of your agreed payment mix.
Explore local paymentsReview payout requirements separately when your commercial scope includes money movement to recipients.
Explore mass payoutsThe blended rate starts from 2.5% + $0.30 per transaction for card processing, covering the card network (IC++) costs charged by the schemes. Refunds, chargebacks, cross-border and currency conversion are charged separately, as listed in the fee overview.
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