What do the starting card rates apply to?

For US merchants contracting through HaiPay’s US entity, US-issued card payments start at 2.5% + US$0.30 per transaction, and cards issued outside the US start at 4.0% + US$0.30. Rates are set after a business and risk review. Your quote identifies the applicable charges, including currency conversion where required.

Are cross-border transactions and currency conversion charged separately?

For US merchants contracting through HaiPay’s US entity, a +1.5% surcharge applies to cards issued outside the US. It is already included in the international starting rate of 4.0% + US$0.30 and applies even when no currency conversion is needed. Currency conversion is a separate charge, starting at 0.5% by currency pair when conversion is required. Your quote lists the applicable charges.

How are refunds and chargebacks charged?

Processed refunds cost US$0.30 each, and disputes cost US$20 per dispute. Ask your account manager about original transaction-fee treatment and other refund or dispute terms.

Is there a minimum monthly billing amount?

There is no minimum monthly billing. Other account-specific commercial terms are confirmed in your quote.

How is settlement timing confirmed?

Your settlement schedule is confirmed for your approved account and enabled payment methods. Ask for the applicable timetable, cutoffs, and bank-arrival conditions in writing.

Are there setup or annual fees?

Setup and annual fees are US$0. Your quote lists the other commercial terms that apply to your account, including any deposit requirement.

Do local payment methods use different rates?

Yes. Local payment methods start from 1.2%, such as QRIS in Indonesia. Rates depend on the method and market. FX charges and applicable local taxes are listed separately in your quote.

What do I need to provide to get a formal quote?

Share your company name, your transaction website and a test account. A dedicated account manager will contact you with your quote.

Payment Gateway Pricing

Review card rates, local payment method fees, currency conversion, and settlement charges. Account-specific terms are confirmed after a business and risk review.

Percentage Pricing

US-issued cards from 2.5% + US$0.30

per transaction

Cards issued outside the US from 4.0% + US$0.30 per transaction.

Get started

International card pricing includes the +1.5% non-US issuance surcharge; FX is separate.
USD settlement, with additional settlement currencies available in selected markets.
Settlement timing is confirmed for your account and payment methods.
US$0 setup fee / US$0 annual fee / No minimum monthly billing
Confirm local payment method availability for your entity and customer markets.
24/7 customer support

These starting card rates apply to US merchants contracting through HaiPay’s US entity. Actual rates depend on business and risk review; your quote confirms the applicable terms.

IC++ Pricing Model

Interchange ++

Invoice‑level transparency, ideal for high‑volume enterprises

Contact us

Interchange fees (paid to the cardholder’s issuing bank)
Scheme fees (network clearing costs)
Processing fees stated in your quote.
Request an itemized breakdown of the charges that apply to your account.
US$0 setup fee / US$0 annual fee / No minimum monthly billing
Confirm local payment method availability for your entity and customer markets.
24/7 customer support

Compare blended and IC++ pricing

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.

Compare blended and IC++ pricing
Item	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.

Payment gateway fees at a glance

Published starting rates and common account charges. The card rates below apply to US merchants contracting through HaiPay’s US entity. Your quote confirms account-specific pricing and terms.

Payment gateway fees at a glance
Item	Price	Notes
US-issued card payments	From 2.5% + US$0.30 per transaction	US merchants contracting through HaiPay’s US entity; subject to business and risk review.
Cards issued outside the US	From 4.0% + US$0.30 per transaction	Includes the +1.5% non-US issuance surcharge on the US starting rate. Do not add it again. FX, if needed, is separate.
Local payment methods	From 1.2%, such as QRIS in Indonesia	Rates depend on the method and market. FX and applicable local taxes are listed separately.
Processed refunds	US$0.30 per processed refund	Ask your account manager about original transaction fees and other refund terms.
Disputes	US$20 per dispute	Ask your account manager for the applicable dispute terms.
Currency conversion for US card pricing	From 0.5%, depending on the currency pair	Charged only when currency conversion is required. Other product and market arrangements are specified in your quote.
USD settlement wire	US$15 per wire	Intermediary bank fees are borne by the recipient.
Settlement currency	USD	Additional settlement currencies are available in selected markets.
Settlement timing	Confirmed in your quote	Review the schedule for each enabled payment method. Review settlement timing considerations.
Setup fee	US$0
Annual fee	US$0
Minimum monthly billing	None	Other account-specific commercial terms are confirmed in your quote.
Security deposit	Confirmed in your quote	Any applicable requirement is confirmed for your account.

Fees without a listed amount are confirmed in your signed commercial agreement. This page describes pricing structure and is not a binding offer.

How IC++ pricing works

IC++ separates every cost component, so your statement shows exactly what the card networks charge and what HaiPay charges.

Interchange

Scheme fee

HaiPay processing fee

Your per-transaction cost

Interchange
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.
Scheme fee
Charged by card networks such as Visa and Mastercard for clearing and network services.
HaiPay processing fee
HaiPay's service fee, fixed and itemized in your quote.

A worked example on a US$100 payment

A worked example on a US$100 payment
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

These figures are hypothetical and illustrate an itemized pricing structure. They are not a HaiPay quote. Confirm the pricing model, applicable components, and commercial terms for your account in writing.

Explore pricing for the HaiPay

Explore payment methods by market. Availability and method-specific rates are confirmed for your contracting entity in your quote.

Country & Region

Cards

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

Hong Kong SAR

Visa, Mastercard

Alipay HK, WeChat Pay HK

Macau SAR

Visa, Mastercard

Google Pay, Apple Pay

Taiwan, China

Visa, Mastercard

LINE Pay, JKOPay

6 mainstream banks

Taiwan, China local methods: supported — Offline ATM Transfer, Convenience StoreOffline ATM Transfer; Convenience Store

Japan

Visa, Mastercard

MerPay, d Payment, WebMoney, au PAY, Amazon Pay

VA (all banks)

Japan local methods: supported — Convenience Store, Pay-easyConvenience Store; Pay-easy

South Korea

Visa, Mastercard

Toss Pay, Kakao Pay, Naver Pay

Shinhan, NH, Hana, BC

Southeast Asia

Indonesia

Visa, Mastercard

DANA, OVO

VA (7 mainstream banks)

Indonesia local methods: supported — QRISQRIS

Malaysia

Visa, Mastercard

Touch 'n Go, Boost, GrabPay, MCash, ShopeePay

FPX (30 mainstream banks)

Malaysia local methods: supported — DuitNow QRDuitNow QR

Singapore

Visa, Mastercard

ShopeePay, GrabPay, Singtel Dash, FavePay, DBS PayLah

30 mainstream banks

Singapore local methods: supported — PayNowPayNow

Vietnam

Visa, Mastercard

MoMo

Mainstream banks

Vietnam local methods: supported — VietQRVietQR

Thailand

Visa, Mastercard

TrueMoney

All Thai bank apps

Thailand local methods: supported — PromptPayPromptPay

Philippines

Visa, Mastercard

GCash, Maya, GrabPay

All Philippine banks

Philippines local methods: supported — QR PhQR Ph

South Asia

Pakistan

Visa, Mastercard

Easy Paisa, JazzCash

Bangladesh

Visa, Mastercard

bKash, Nagad

India

Visa, Mastercard

India local methods: supported — UPIUPI

MENA

Saudi Arabia

Visa, Mastercard

STC Pay, Apple Pay

Mada

UAE

Visa, Mastercard

Apple Pay

Qatar

Visa, Mastercard

Apple Pay

NAPS

Kuwait

Visa, Mastercard

Apple Pay

KNET

Bahrain

Visa, Mastercard

Apple Pay

Benefit

Oman

Visa, Mastercard

Apple Pay

Iraq

Visa, Mastercard

Zain Cash

Jordan

Visa, Mastercard

Jordan local methods: supported — CliQCliQ

Africa

Egypt

Visa, Mastercard

Vodafone, Fawry

Egypt local methods: supported — Convenience stores and mobile operator outletsConvenience stores and mobile operator outlets

Nigeria

Visa, Mastercard

OPay

Mainstream banks

Kenya

Visa, Mastercard

M-Pesa

Mainstream banks

Tanzania

Visa, Mastercard

M-Pesa, Tigo Pesa, HaloPesa

Ghana

Visa, Mastercard

MTN MoMo, Vodafone, Airtel Money

South Africa

Visa, Mastercard

Instant EFT

Cameroon

Visa, Mastercard

MTN MoMo, Orange

Europe & Americas

Europe

Visa, Mastercard

Google Pay, Apple Pay

United States

Visa, Mastercard

Google Pay, Apple Pay

Canada

Visa, Mastercard

Google Pay, Apple Pay

Mexico

Visa, Mastercard

SPEI

Mexico local methods: supported — OXXOOXXO

Brazil

Visa, Mastercard

Brazil local methods: supported — PIXPIX

What shapes your payment processing quote

We review the operating details that change the cost and complexity of processing before recommending a pricing model.

Transaction volume
Expected monthly value, transaction count and average order value help define the commercial scope.
Payment method mix
Cards, bank transfers, wallets and other local methods can carry different cost structures.
Card and funding mix
Card type, funding source and other network variables can affect underlying processing costs.
Markets and currencies
Your acceptance markets, settlement currencies and cross-border flows determine the routes required.
Risk profile
Industry, transaction pattern and dispute exposure are reviewed during commercial and compliance assessment.
Settlement and service needs
Settlement setup, reporting, integration and operational support requirements are confirmed in the proposal.

Know what to confirm before you sign

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.

Your quote should state

These commercial terms should be explicit in the proposal and agreement.

Pricing model and applicable transaction fees
Approved payment methods, markets and currencies
Settlement currency and schedule
Account-specific contract terms and any applicable commitments

Items that may be separate

Applicability depends on your configuration and must be confirmed in writing.

Foreign exchange or cross-border costs
Refund, dispute or chargeback handling fees
Method-specific or third-party network charges
Custom integration, setup or support requirements

This page explains pricing structure, not a binding offer. Your signed commercial agreement is the source of truth for rates, scope and applicable fees.

From payment mix to signed pricing

A short discovery process gives both sides the information needed to review the real cost structure.

Share your payment profile
Tell us your markets, methods, currencies, volume range and operating requirements.
Receive a fee breakdown
We recommend a model and set out the applicable commercial components for review.
Confirm terms before launch
Your team reviews the final scope, settlement setup and agreement before implementation.

Review the payment flows behind your quote

Pricing follows the products, markets and payment methods you plan to use. Explore the relevant flow before you speak with our team.

Credit card processing
Review HaiPay's card acceptance flow and the processing capabilities relevant to your quote.
Explore credit cards
Local payment methods
Understand the local payment coverage that may form part of your agreed payment mix.
Explore local payments
Mass payouts
Review payout requirements separately when your commercial scope includes money movement to recipients.
Explore mass payouts
Hosted checkout
See the prebuilt payment page your quote covers when you accept payments without building a checkout.
Explore hosted checkout
Subscription billing
Recurring charges, retries and renewals are priced alongside your card and local method mix.
Explore subscription billing
Payment links
Check the no-code way to collect payments before your full integration goes live.
Explore payment links
Payment API integration
Review the APIs, SDKs and webhooks your engineering team will use to implement the agreed scope.
Explore payment API integration
Virtual Card Issuing
Issue USD virtual cards for advertising and AI subscriptions, or integrate card issuing through an API.
Virtual Card Issuing

Pricing FAQ

For US merchants contracting through HaiPay’s US entity, US-issued card payments start at 2.5% + US$0.30 per transaction, and cards issued outside the US start at 4.0% + US$0.30. Rates are set after a business and risk review. Your quote identifies the applicable charges, including currency conversion where required.
For US merchants contracting through HaiPay’s US entity, a +1.5% surcharge applies to cards issued outside the US. It is already included in the international starting rate of 4.0% + US$0.30 and applies even when no currency conversion is needed. Currency conversion is a separate charge, starting at 0.5% by currency pair when conversion is required. Your quote lists the applicable charges.
Processed refunds cost US$0.30 each, and disputes cost US$20 per dispute. Ask your account manager about original transaction-fee treatment and other refund or dispute terms.
There is no minimum monthly billing. Other account-specific commercial terms are confirmed in your quote.
Your settlement schedule is confirmed for your approved account and enabled payment methods. Ask for the applicable timetable, cutoffs, and bank-arrival conditions in writing.
Setup and annual fees are US$0. Your quote lists the other commercial terms that apply to your account, including any deposit requirement.
Yes. Local payment methods start from 1.2%, such as QRIS in Indonesia. Rates depend on the method and market. FX charges and applicable local taxes are listed separately in your quote.
Share your company name, your transaction website and a test account. A dedicated account manager will contact you with your quote.

Payment Gateway Pricing

Percentage Pricing

IC++ Pricing Model

Compare blended and IC++ pricing

Payment gateway fees at a glance

How IC++ pricing works

Interchange

Scheme fee

HaiPay processing fee

A worked example on a US$100 payment

Explore pricing for the HaiPay

What shapes your payment processing quote

Transaction volume

Payment method mix

Card and funding mix

Markets and currencies

Risk profile

Settlement and service needs

Know what to confirm before you sign

Your quote should state

Items that may be separate

From payment mix to signed pricing

Share your payment profile

Receive a fee breakdown

Confirm terms before launch

Review the payment flows behind your quote

Credit card processing

Local payment methods

Mass payouts

Hosted checkout

Subscription billing

Payment links

Payment API integration

Virtual Card Issuing

Pricing FAQ

What do the starting card rates apply to?

Are cross-border transactions and currency conversion charged separately?

How are refunds and chargebacks charged?

Is there a minimum monthly billing amount?

How is settlement timing confirmed?

Are there setup or annual fees?

Do local payment methods use different rates?

What do I need to provide to get a formal quote?

Ready to sell where your buyers already pay?