Core Product

Global Credit Card Acquiring for All Scenarios

Directly connected to major card networks, delivering stable global acquiring through a distributed architecture. Supports 140+ currencies and near‑instant settlement.

70%+ authorization success rate

T+3 fast settlement

3D Secure 2.0 authentication

Coverage across 220+ countries and regions

Credit card acquiring illustration showing global payment flow

Dashboard checkout management illustration

220+Countries & regions covered

140+Supported currencies

70%+Average success rate

0.3sAverage response time

Connects to all major global card schemes.

Global Distributed Acquiring Network Architecture

An intelligent global network that goes far beyond simple connectivity. Each cross‑border transaction is dynamically routed through the optimal path for maximum stability and performance.

Want to understand the fundamentals? how merchant acquiring works

Global Payments

Connects global regions with multi‑currency and multi‑method support, forming the core backbone of international acquiring.

Intelligent Routing

Automatically selects the best route based on success rate, cost, and real‑time network conditions, ensuring continuous optimization.

Load Balancing

Distributes traffic and switches channels automatically to maintain 99.99% uptime.

Regional Optimization

Optimized routes for Europe, Asia, and other regions to significantly improve local card authorization rates.

15–25%Increase in success rate vs. traditional single‑channel setups

18%Transactions Reduction in overall processing cost through intelligent routing daily

<53 minutesAnnual downtime, delivering industry‑leading availability

Transparent Pricing That Fuels Growth

No hidden fees — only clear, competitive pricing designed for global businesses.

Blended

Simple and clear, ideal for SMEs

2.9%+ $0.30 per transaction

Fast settlement in T+3

All‑inclusive pricing with no setup fees

Supports acquiring in 140+ global currencies

IC++

Bill‑level transparency, ideal for high‑volume businesses

Interchange ++

Interchange fees (charged by card schemes)

Ultra‑low service fee (our margin)

Fully transparent billing with complete fee breakdown

Scheme fees (settlement fees)

Compare with Other payment

— We Save You More

Based on an average monthly processing volume of USD 1,000,000

Other payment

Ours

Base Processing Fee

3.5%+0.3USD

2.9%+0.3USD

Settlement Time

T14

Rolling Reserve

5% or 10%

Setup Fee

1000USD

Waive setup fee

Enterprise‑Grade Risk Control Architecture

Security is the lifeline of payments. Our five‑layer defense system balances safety with conversion performance.

Foundation Layer: Compliance Core

PCI DSS Level 1 certified · End‑to‑end hardware encryption · Sensitive data tokenization & masking

Identification Layer: AI Device Fingerprinting

Real‑time device environment detection · Behavioral analysis · IP geolocation to detect abnormal patterns

Decision Layer: Risk Scoring Engine

Trained on billions of transaction data points · Real‑time 0–1000 risk scoring · Customizable rule‑based blocking

Action Layer: Multi‑Level Response

Automated blocking · Intelligent challenge flows · Manual review for high‑risk cases

Learning Layer: Self‑Evolving Models

Daily model iteration · Rapid adaptation to emerging fraud patterns

Key Risk Control Metrics

Fraud Interception Rate

False Positive Rate ↓

Risk Response Time

Model Accuracy

Risk control metrics radar chart comparing GlobalPay and industry average across fraud interception rate, false positive rate, risk response time, and model accuracy

Risk Response Time

GlobalPay

industry average

Fraud rate controlled below

<0.15%

Payment conversion improved

+40%

4‑Hour Lightning Integration

Designed for developers — complete documentation, multi‑language SDKs, and a powerful sandbox make payment integration easier than ever.

1
Hour 1: Account & Credentials
Complete business verification online and obtain your API Key instantly. Supports multi‑merchant and multi‑role access control.
2
Hour 2: SDK Deployment
Download prebuilt SDKs in 12 languages including Python, Java, Node.js, PHP, and Go.
3
Hour 3: Sandbox Testing
Test 20+ transaction scenarios in a simulated environment, including 3DS authentication, card expiration, insufficient balance, and more.
4
Hour 4: Go Live
Switch to your production API Key and start receiving your first global payment.

checkout_session.py

import requests

url = "https://uat-interface.haipay.asia/usd/collect/apply"

payload = {
    "appId": 123,
    "orderId": "<string>",
    "phone": "<string>",
    "amount": "<string>",
    "payType": "<string>",
    "inBankCode": "<string>",
    "callBackUrl": "<string>",
    "callBackFailUrl": "<string>",
    "subject": "<string>",
    "partnerUserId": "<string>",
    "sign": "<string>",
    "name": "<string>",
    "email": "<string>",
    "clientIp": "<string>",
    "notifyUrl": "<string>",
    "body": "<string>"
}
headers = {"Content-Type": "application/json"}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

Empowering Every IndustryConnecting You to Global Opportunities

We address industry‑specific challenges with tailored solutions for payments, settlement, and compliance, helping you stay competitive in global markets.

Cross-border e-commerce checkout page with product summary and card payment form

32%

Cart abandonment reduced from 68%

+25%

Increase in average order value

40%

Increase in repeat purchase rate

Cross‑border E‑commerce Solution

Shopping Cart
Conversion Optimization

We address industry‑specific challenges with refined payment design, removing barriers in cross‑border transactions and ensuring every conversion is real and effective.

One‑Click Payment

Securely stores user information, streamlines the checkout flow, and significantly boosts customer retention.

Dynamic Pricing & Local Currency

Automatically detects the user’s region and displays prices in local currency, eliminating FX concerns.

Payment Page A/B Testing

Tests multiple versions of the payment page to continuously optimize conversion rates and enhance user experience.

Game & Digital Content Solutions

Virtual Goods
Payment Optimization

Designed for high‑frequency, micro‑transactions and subscription‑based digital content, delivering fast, low‑dispute payment channels to ensure uninterrupted player experience.

Micro‑payment Optimization

Success rate above 99%.

Global Subscription Management

Supports auto‑renewal, cancellation, and membership upgrades.

In‑app Purchase Anti‑fraud

Dedicated risk control with dispute rate below 0.1%.

Unified Multi‑platform Acquiring

One API for iOS, Android, PC, and Console.

Digital rewards top-up screen with coin cashback promotion

Mobile game in-app purchase screen showing a VIP special offer

SaaS Enterprise Service Solutions

B2B Payment & Payout Optimization

Solves challenges such as high delays in large cross‑border payments, difficulty obtaining compliant invoices, and complex multi‑merchant payouts—enabling financial automation for SaaS platforms.

Large‑value Payment Optimization: Fast channels for $10,000+ transactions with reduced decline rates.

Automated Invoice Management: Supports 12‑language e‑invoices compliant with global business standards.

Multi‑merchant Payouts: Automatically routes and settles funds for sub‑merchants in platform models.

Flexible Settlement: Supports pre‑authorization and follow‑up payments for scenarios like car rentals and hotels.

Efficiency

+88%

Automation workflow diagram with robot and connected nodes

Manual workload

−70%

Business professionals reviewing a laptop with enterprise growth indicators

Enterprise client conversion

+30%