Global Payment Infrastructure Built for E‑commerce Platforms

FAQ

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  What is an ecommerce payment gateway?Collapse answer

  An ecommerce payment gateway is the service that captures a shopper's payment details at checkout, encrypts them, and routes the transaction to card networks or local payment rails for authorization. Without one, an online store cannot accept cards, wallets or bank payments.

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  How do I choose a payment gateway for cross-border ecommerce?Expand answer

  Compare five things: market and currency coverage, local payment method depth, authorization success rates in your target regions, total fees (including FX), and settlement speed. For emerging-market sales, local acquiring and local rails matter more than brand familiarity.

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  What is the difference between a payment gateway and a payment processor?Expand answer

  The gateway is the front door — it captures and encrypts checkout data. The processor moves the transaction between acquiring and issuing banks behind the scenes. Modern providers like HaiPay bundle both, so merchants integrate once.

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  Can I build my own payment gateway?Expand answer

  Technically yes, but you would need PCI DSS Level 1 certification, acquiring bank relationships, licensing in each market and permanent fraud engineering. For nearly all merchants the economics favor using a provider and spending engineering on your product instead.

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  Which local payment methods matter most for global ecommerce?Expand answer

  It depends on where you sell: wallets like Alipay and GCash dominate Asia-Pacific, Pix leads Brazil, iDEAL the Netherlands, and cash vouchers still matter in MENA and LatAm. Mapping methods to your top markets — then enabling them in one integration — is the fastest conversion win.

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  How do seller settlements and payouts work on ecommerce platforms?Expand answer

  Platforms collect buyer payments, deduct commissions, then settle the remainder to sellers on a schedule — ideally in the seller's own currency and local rail. HaiPay combines acquiring and global payouts so marketplaces run both flows from one balance.