What is a subscription payment gateway?

A subscription payment gateway is a payment system that securely stores customer payment credentials and automatically charges them on a recurring schedule. Unlike a standard gateway built for one‑time checkout, it handles tokenized card storage, merchant‑initiated transactions, billing‑cycle management, failed‑payment retries, and subscription lifecycle events such as upgrades and cancellations.

How does recurring billing work with HaiPay?

You create a plan with a fixed cycle (weekly, monthly, or annual), usage‑based pricing, or a hybrid of both. HaiPay tokenizes the customer's payment method at the first checkout, then automatically initiates each renewal charge, applies proration for mid‑cycle upgrades or downgrades, and triggers webhooks so your systems stay in sync.

How do you reduce failed subscription payments?

HaiPay's smart retry engine analyses the failure reason — insufficient funds, expired card, or issuer decline — and retries at machine‑learned optimal time windows. Combined with automated customer notifications to update payment details, this recovers failed renewals that would otherwise become involuntary churn.

Which cards and payment methods are supported for subscriptions?

HaiPay supports recurring billing on Visa, Mastercard, JCB, and other major card networks, with local‑currency pricing across 140+ currencies. Availability of specific payment methods can vary by market and integration type.

Do you support free trials and prorated plan changes?

Yes. You can configure free, paid, or usage‑limited trials with automatic or manual conversion, and let subscribers upgrade or downgrade at any time. Charges are prorated automatically — applied immediately or at the next cycle, depending on your configuration.

Is HaiPay PCI compliant? Do I need to store card data?

HaiPay is PCI‑DSS Level 1 compliant, and sensitive card data never touches your servers. Cards are tokenized at checkout via HaiPay Elements, so you can run recurring billing without taking on PCI storage obligations yourself.

How are refunds and chargebacks handled for subscriptions?

Refunds can be full, partial, or prorated, and are returned to the original payment method with FX gain/loss handling for cross‑border charges. Clear billing descriptors, explicit subscription consent, and renewal notifications help reduce dispute rates on recurring charges.

Can I bill AI products based on usage?

Yes. HaiPay supports usage‑based billing metered by API calls or token consumption, hybrid plans that combine a base fee with overage, prepaid credits wallets, and outcome‑based pricing — designed for AI products whose costs scale with usage.

Subscription Billing & Recurring Payments

Redefining the Payment Experience

By combining AI recognition with behavioral engineering, we elevate conversion rates to industry‑leading levels.

One‑Click Subscription Experience

Users complete their first subscription within 3 seconds, boosting conversion rates by 45% and significantly reducing bounce rates.

+45% Conversion Lift

Intelligent Card Number Recognition

Automatically fills and corrects card details, reducing input errors by 85% for smoother payments.

−85% Error Rate

Real‑Time Multi‑Currency Display

Supports 140+ currencies and displays local prices in real time, increasing international conversion rates by 60%.

+60% International Conversion Lift

Haipay Core Payout Advantages

Flexible Billing Capabilities

Fixed Recurring Billing
Automatic weekly, monthly, or annual billing cycles.
Usage‑Based Billing
Elastic billing based on API calls or token consumption for AI workloads.
Tiered / Hybrid Billing
Base subscription plus overage usage fees.
Free Trials & Promotions
Supports flexible promotions such as “50% off for the first 3 months” or “$1 first‑week trial.”

Revenue Assurance & Risk Control

Smart Retries
AI‑driven retry logic selects optimal network windows to maximize successful charges.
Automatic Card Updates
Card details are automatically refreshed via tokenization, ensuring uninterrupted billing even after card replacement.
Risk Control Engine
Supports direct top‑ups into e‑wallets in major currencies (USD, HKD, EUR, etc.) with flexible methods.

Subscription Lifecycle Management

01 Trial Period Management

Manages all trial experiences, ensuring users can safely explore product value before committing to a paid plan.

Core CapabilitiesFree trials, paid trials, usage‑limited trials

Configuration OptionsAuto‑conversion / manual confirmation, expiration reminders

02 Subscription Change

Allows customers to upgrade, downgrade, or switch plans seamlessly without disrupting service.

Core CapabilitiesUpgrade / downgrade handling, prorated billing.

Configuration OptionsImmediate or next‑cycle effect, prorated billing.

03 Automatic Renewal

Automates recurring billing and reduces involuntary churn through intelligent retry logic.

Core CapabilitiesIntelligent retry mechanism.

Configuration OptionsRetry count, retry interval, notification strategy.

04 Cancellation Process

Provides a transparent and flexible cancellation experience while offering retention opportunities.

Core CapabilitiesImmediate cancellation / end‑of‑cycle cancellation.

Configuration OptionsRetention offers, reason collection.

05 Refund Processing

Handles complex refund scenarios across global markets with accurate financial reconciliation.

Core CapabilitiesFull, partial, or prorated refunds.

Configuration OptionsRefund to original payment method, FX gain/loss handling.

Smart Retries Feature: Uses machine learning to determine optimal retry timing, reducing churn caused by failed payments by 30–45%.

Key challenges - andthe solutions that drove impact.

	Pain Points	Solutions	Benefits
SaaS Software	Low renewal rate	Smart Retry Engine Detects expired cards/insufficient balance and retries across time windows to improve success rate by 35%+	Higher renewal success rate
	High payment failure rate	Global Card Network Support Full Visa/Mastercard/JCB coverage with automatic optimal routing	Lower payment failure rate
	Diverse global payment habits	Flexible Billing Models Supports usage-based, per‑seat, and tiered pricing	Better alignment with global user payment behaviors
Short‑Drama	Low willingness to pay	Tiered Subscription Model 7‑day free trial → discounted first month → standard plan	Higher payment conversion
	Low subscription renewal	MITT Subscription Model Merchant‑initiated billing to reduce user cancellations	Improved renewal rate
	High chargeback rate	Regional Pricing Optimization Adjust pricing based on local purchasing power	Reduced chargeback risk
AI Product	AI drives SaaS pricing from fixed subscription to hybrid models	Hybrid Subscription Hybrid Subscription	More flexible and transparent pricing
	Usage fluctuates heavily; fixed plans cannot reflect real costs	Usage‑Based Billing Charged by API calls or tokens	Better alignment with actual usage; reduced cost uncertainty
	Users demand high billing transparency	Credits & Outcome‑Based Billing Cross‑product credits; charged by documents processed or reports generated	Higher user satisfaction and retention

Monetizing video or micro series? See our content platform monetization solutions.

World map illustrating global card network coverage.

Full Card Network Coverage,
Reaching Every User Worldwide

Full Card Network Coverage, Reaching Every User Worldwide

140+supported currencies

5major card schemes supported

Real‑time local currency settlement
Eliminates FX uncertainty and improves user experience.

Backed by global credit card acquiring.

Global Subscription Payment Capability Comparison

Core Dimensions	Legacy Gateway	Our Network	Business Impact
Billing Models	Supports only fixed billing cycles (monthly / yearly).	Full‑scenario billing Supports fixed, usage‑based (Token/API), tiered, dynamic hybrid billing, and custom enterprise contracts.	Perfectly adapts to the evolving monetization models of AI and SaaS.
Tax & Compliance	Provides only raw billing records; enterprises must integrate third‑party tax software to calculate tax.	Automated global taxation Real‑time VAT/Sales Tax calculation across 130+ countries/regions, with automatic local e‑invoicing.	Reduces legal and finance workload and mitigates cross‑border tax compliance risks.
Multi‑Entity Routing	Unified checkout experience with support for local issuing banks and local‑currency payments in cross‑border transactions.	Localized smart routing Automatically selects the highest‑success‑rate local channel and settles via the optimal local entity.	Improves payment success rates by 5–12% and reduces cross‑border fees.
Dunning & Recovery	Basic failed‑payment handling with simple retry logic.	AI‑driven recovery Direct card‑network account updater (VAU) + AI‑predicted optimal retry timing.	Recovers up to 35% of failed payments, directly increasing NRR (Net Revenue Retention).
Reliability & SLA	99.9% availability with no dedicated customer infrastructure support.	99.999% enterprise‑grade concurrency Financial‑grade TPS guarantees with 24/7 expert support.	Ensures high stability for global AI model calls and commercial workloads.

Integration Methods

Hosted Checkout Integration
A full set of payment methods available through the hosted checkout, enabling integration with minimal development effort and offering users more payment options.
Supports displaying specific payment methods directly on the merchant page, enabling users to complete payments seamlessly via the hosted checkout.
Frontend Components
A dedicated integration mode for card payments and Apple Pay, allowing users to enter payment information directly on the merchant's checkout page for a smooth, one-click payment experience.
API Integration
A fully customizable integration that gives merchants complete control over the payment page and user flow.

One Line.
Global Ready.

We provide SDKs in multiple languages and a complete Webhook system. Whether your architecture is monolithic or microservices‑based, HaiPay integrates seamlessly.

Supports Python, Node.js, Go, Java, PHP
Full-featured sandbox testing environment
Real‑time Webhook notifications for order status updates

checkout_session.py

import requests

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

payload = {
    "country": "USA",
    "referer": "https://test.com",
    "amount": "0.5",
    "callBackUrl": "https://www.google.com",
    "inBankCode": "CREDIT_CARD",
    "subject": "Test subscription",
    "subscriptionOrderId": "1736739758574",
    "recurringIntervalCount": 1,
    "sign": "JeJR4N40eKncoohebUN31aNqPqpBxR799rmMutqrSmMaBn0Sjmqbskl4Wiitmatvvx6tqvuwkOYtk6ryrYj7YqJxDeNfDqthWzOxv2ixkKY0YDoWEAra9sWc4CnXBBssP0VIKg0jSTMNzdvmvuNBa7sLEQj5YjgswUnCGtYCmsz154JHSSRpdeYDLL+Nt5b96pzQn8WyRr6b/9SSCrLCWSdt22gJmY5sQh7cc9OcJfAGb5E1XflTq5Va78cV+fw9hHhaZmFzKncg4wxrdaatxg9tCElMJpL1OuWO7XLfcfqgA/8Y/qRCWmNf11Ji3ZSrr7rU4+V7Egrfu1Fcr5DTlw==",
    "partnerUserId": "H20241231",
    "payType": "SUBSCRIPTION",
    "phone": "0845632145871",
    "appId": 1724,
    "name": "howard",
    "notifyUrl": "https://www.google.com",
    "currency": "USD",
    "email": "howard@gmail.com",
    "recurringInterval": "D"
}
headers = {"Content-Type": "application/json"}

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

print(response.text)

Transparent pricingwith no hidden fees

Pricing plans designed for scaling subscription businesses

Percentage Pricing

Simple and clear, ideal for small and medium merchants

2.5% + $0.30

per transaction

Flat rate with no additional fees
Secure settlement with multi‑currency support (140+)
Funds settled in T+5 (calendar days), confirmed in your quote

IC++ Pricing Model

Invoice‑level transparency, ideal for high‑volume enterprises

Interchange ++

Interchange fees (charged by card networks)
Scheme fees (network clearing costs)
Ultra‑low service fees (our processing fee)
Fully transparent billing — pay only for actual costs

See full payment gateway pricing

Subscription Billing FAQ

A subscription payment gateway is a payment system that securely stores customer payment credentials and automatically charges them on a recurring schedule. Unlike a standard gateway built for one‑time checkout, it handles tokenized card storage, merchant‑initiated transactions, billing‑cycle management, failed‑payment retries, and subscription lifecycle events such as upgrades and cancellations.

One‑Click Subscriptions,
Unlimited Growth