Frequently Asked Questions

HaiPay is a global payment infrastructure platform that enables businesses to accept payments from customers worldwide. We support 100+ payment methods across 50+ countries, with features including smart routing, fraud protection, and real-time analytics.

Getting started is simple. Create an account, complete the KYB (Know Your Business) verification process, integrate using our API or hosted checkout, and start accepting payments. Our onboarding team is available to guide you through each step.

HaiPay currently supports payment processing in 50+ countries across Asia-Pacific, Europe, North America, and Latin America. We are continuously expanding our coverage. Contact our sales team for the latest list of supported regions.

Standard KYB verification typically takes 1–3 business days. For businesses in regulated industries or high-risk categories, the review may take up to 5–7 business days. You will receive email updates at each stage of the process.

HaiPay supports 100+ payment methods including major credit and debit cards (Visa, Mastercard, Amex), e-wallets (Alipay, WeChat Pay, GrabPay, GCash, PayPay), bank transfers, and locally preferred payment methods specific to each market.

We support settlement in 50+ currencies. You can accept payments in local currencies and settle in your preferred currency. Our competitive FX rates are updated in real time, with full pricing transparency and no hidden conversion fees.

Standard payout settlement is T+1 to T+3 business days depending on your region and bank. For eligible merchants, we offer same-day or next-day settlement options. Settlement timelines are clearly displayed in your dashboard.

Yes. HaiPay Subscription supports automated recurring billing with flexible billing cycles (daily, weekly, monthly, annually, or custom). You can manage plans, trial periods, proration, and billing retries directly through the API or dashboard.

HaiPay offers three integration methods: (1) Hosted Checkout — a pre-built, customizable checkout page; (2) API Integration — full control over the payment flow via RESTful APIs; (3) Payment Links — no-code shareable links for quick payment collection.

Yes. Our comprehensive API documentation covers authentication, endpoints, request/response formats, webhooks, error codes, and code samples in multiple languages (cURL, Node.js, Python, PHP, Java). Access the docs from your merchant dashboard.

Absolutely. HaiPay provides a full sandbox environment that mirrors production. You can test payments, webhooks, refunds, and subscription scenarios without processing real transactions. Sandbox credentials are available immediately after account registration.

Yes. Our hosted checkout supports custom branding (logo, colors, fonts), custom domain, and pre-filled customer data. For API or embedded checkout integrations, you have full control over the UI/UX to match your product design.

Yes. HaiPay is certified as a PCI DSS Level 1 Service Provider — the highest level of payment security certification. Cardholder data is fully tokenized and never stored on your servers, significantly reducing your compliance burden.

HaiPay uses an AI-powered risk engine that analyzes hundreds of signals in real time to detect and block fraudulent transactions. Features include 3D Secure 2.0 support, velocity checks, device fingerprinting, and customizable rule sets.

All data is encrypted at rest (AES-256) and in transit (TLS 1.2+). We maintain strict data residency options and comply with applicable data protection regulations including GDPR. Access controls and audit logs are available to all merchants.

HaiPay offers transparent, competitive transaction-based pricing. Rates vary by payment method, region, and transaction volume. There are no hidden fees — you see the exact cost per transaction. Contact our sales team for a customized quote based on your business needs.

HaiPay does not charge setup fees. Monthly fees depend on your plan. We offer a pay-as-you-go model with no minimums for standard merchants, and volume-based pricing for enterprise customers. Contact us to discuss the right plan for your business.

When accepting payments in a currency different from your settlement currency, a currency conversion fee applies on top of the base transaction fee. Our FX rates are based on mid-market rates with a transparent markup, shown clearly in your pricing agreement.