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. Not sure which fits your mix? Run your numbers in the fee calculator — it compares both models on your own ticket size, volume and international share.
| 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 | Outbound FX fee from 1% to 2.5%, by market | Standard rate per market; see the market guides. Your quote confirms the rate that applies to you. |
| Settlement | Settlement transfer(USD) US$15 per transfer | Applies when settling in USD to your account |
Settlement timeline Typically T+5 (calendar days) | Confirmed in your quote based on entity, volume and transaction quality. Local payment methods settle faster in several markets — see the full tier list by market. | |
| 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.
Pricing by region and payment method — clear, transparent, and predictable
Country & RegionCards
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.
Local methods
Name local rails such as PayNow, virtual accounts, OTC cash, and QR schemes.
Northeast Asia
Taiwan, China local methods: supported — Offline ATM Transfer, Convenience StoreOffline ATM Transfer; Convenience Store
Japan local methods: supported — Convenience Store, Pay-easyConvenience Store; Pay-easy
Southeast Asia
Indonesia local methods: supported — QRISQRIS
Malaysia local methods: supported — DuitNow QRDuitNow QR
Singapore local methods: supported — PayNowPayNow
Vietnam local methods: supported — VietQRVietQR
Thailand local methods: supported — PromptPayPromptPay
Philippines local methods: supported — QR PhQR Ph
South Asia
India local methods: supported — UPIUPI
MENA
Jordan local methods: supported — CliQCliQ
Africa
Egypt local methods: supported — Convenience stores and mobile operator outletsConvenience stores and mobile operator outlets
Europe & Americas
Mexico local methods: supported — OXXOOXXO
Brazil local methods: supported — PIXPIX
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 cards
Understand the local payment coverage that may form part of your agreed payment mix.
Explore local payments
Review payout requirements separately when your commercial scope includes money movement to recipients.
Explore mass payouts
See the prebuilt payment page your quote covers when you accept payments without building a checkout.
Explore hosted checkout
Recurring charges, retries and renewals are priced alongside your card and local method mix.
Explore subscription billing
Check the no-code way to collect payments before your full integration goes live.
Explore payment links
Review the APIs, SDKs and webhooks your engineering team will use to implement the agreed scope.
Explore payment API integrationThe 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.
They may be, depending on your contracting entity's region and settlement currency. Applicable rates are listed in your quote.
Refunds you initiate are charged at US$0.30 per refund. Chargebacks and other refund types are confirmed in your quote — contact your account manager for details.
Yes. IC++ pricing requires a minimum monthly processing volume of US$1,000.
Not automatically. Your settlement timeline is confirmed in your quote based on your contracting entity, processing volume and transaction quality.
There are no monthly or setup fees. A minimum monthly processing volume of US$1,000 applies. A security deposit depends on transaction quality and business model, and is listed in your quote if applicable.
Yes. Rates vary by market — from 0.8% — depending on your contracting entity, volume and transaction quality, and are confirmed in your quote.
Share your company name, your transaction website and a test account. A dedicated account manager will contact you with your quote.
Tell us your markets, methods and volume. We map the payment stack and come back with a written quote.
