150+ methods
PCI Certification
Cross-Border Payment Solutions for Global Digital Businesses
One cross-border payment platform for local pay-ins across 34 markets and payouts to 50+ countries — built for high-frequency, small-amount flows.
150+
Local payment methods
USD
Settlement; more currencies in selected markets
50+
Payout countries
98%
Payout success rate
PCI DSS · GDPR · ISO 27001 · 10,000+ clients · 10M+ daily orders
What are cross-border payment solutions?
Cross-border payment solutions let a business accept payments from customers in other countries and pay out to recipients abroad through a single integration — the payment facilitator model. They combine local payment methods, card acquiring, currency conversion, risk screening and settlement — replacing the separate bank and processor contracts that international trade would otherwise require.
Rails and method coverage
Whether the provider reaches target markets through local payment rails rather than cards and wire transfers only.
Fee transparency
How conversion, settlement, and dispute costs are disclosed before committing.
Compliance handling
How much KYC, AML, and local regulatory work the provider absorbs on behalf of the business.
Conclusion: These three criteria separate providers that merely move money from those that lower the real cost of selling internationally.
Key Pain Points in Cross‑Border Payments
Pain Points
Specific performance
Impact on revenue
Payment Conversion Bottleneck
Only credit cards are supported, leaving users without available payment options
Directly loses over 20% of potential orders
Fragmented Fund Flow
Collections across multiple markets are fragmented, and reconciliation relies on manual work
Low operational efficiency with a high error rate
Platform Commission Deduction
Apple App Store and Google Play charge a 15%–30% commission
A guaranteed loss of 15%–30% of revenue
Local Payments as the Entry Ticket to Emerging Markets
Integrating the top three local payment methods can increase conversion rates by 40%–60%
A necessary choice to improve payment success rates
How cross‑border payments work
Money moves in three hops. Each one runs on local rails instead of correspondent banking.
Step 1
Collect locally
Buyers pay with the method they already use at home.
QRIS · PromptPay · Pix · PayNow · UPIStep 2
Convert
Outbound FX from 1% to 2.5%, by market. Settlement in USD.
Settlement schedule in your quoteStep 3
Pay out locally
To bank accounts and e-wallets across 50+ countries.
Real-time arrival
Overseas Merchant Payment Strategy
Layer 2
Market‑Specific Required Options
Southeast Asia
Middle East
Europe
Africa
Latin America
Layer 1
Essential Global Options
International Cards:
Global Wallets:
Covers mature markets such as North America, Europe, and Japan — the global payment foundation
Global coverage — 34 markets
Every market we acquire in, and exactly which rails work there. Where something is not supported we say so — an honest matrix is more useful than an all-green one.
Swipe or scroll to compare methods. Keyboard: ← →.
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
Hong Kong SAR cards: supported — Visa, MastercardVisa, Mastercard
Hong Kong SAR wallets: supported — Alipay HK, WeChat Pay HKAlipay HK, WeChat Pay HK
Hong Kong SAR bank transfers: not supported
Hong Kong SAR local methods: not supported
Macau SAR
Macau SAR cards: supported — Visa, MastercardVisa, Mastercard
Macau SAR wallets: supported — Google Pay, Apple PayGoogle Pay, Apple Pay
Macau SAR bank transfers: not supported
Macau SAR local methods: not supported
Taiwan, China
Taiwan, China cards: supported — Visa, MastercardVisa, Mastercard
Taiwan, China wallets: supported — LINE Pay, JKOPayLINE Pay, JKOPay
Taiwan, China bank transfers: supported — 6 mainstream banks6 mainstream banks
Taiwan, China local methods: supported — Offline ATM Transfer, Convenience StoreOffline ATM Transfer; Convenience Store
Japan
Japan cards: supported — Visa, MastercardVisa, Mastercard
Japan wallets: supported — MerPay, d Payment, WebMoney, au PAY, Amazon PayMerPay, d Payment, WebMoney, au PAY, Amazon Pay
Japan bank transfers: supported — VA (all banks)VA (all banks)
Japan local methods: supported — Convenience Store, Pay-easyConvenience Store; Pay-easy
South Korea
South Korea cards: supported — Visa, MastercardVisa, Mastercard
South Korea wallets: supported — Toss Pay, Kakao Pay, Naver PayToss Pay, Kakao Pay, Naver Pay
South Korea bank transfers: supported — Shinhan, NH, Hana, BCShinhan, NH, Hana, BC
South Korea local methods: not supported
Southeast Asia
Indonesia
Indonesia cards: supported — Visa, MastercardVisa, Mastercard
Indonesia wallets: supported — DANA, OVODANA, OVO
Indonesia bank transfers: supported — VA (7 mainstream banks)VA (7 mainstream banks)
Indonesia local methods: supported — QRISQRIS
Malaysia
Malaysia cards: supported — Visa, MastercardVisa, Mastercard
Malaysia wallets: supported — Touch 'n Go, Boost, GrabPay, MCash, ShopeePayTouch 'n Go, Boost, GrabPay, MCash, ShopeePay
Malaysia bank transfers: supported — FPX (30 mainstream banks)FPX (30 mainstream banks)
Malaysia local methods: supported — DuitNow QRDuitNow QR
Singapore
Singapore cards: supported — Visa, MastercardVisa, Mastercard
Singapore wallets: supported — ShopeePay, GrabPay, Singtel Dash, FavePay, DBS PayLahShopeePay, GrabPay, Singtel Dash, FavePay, DBS PayLah
Singapore bank transfers: supported — 30 mainstream banks30 mainstream banks
Singapore local methods: supported — PayNowPayNow
Vietnam
Vietnam cards: supported — Visa, MastercardVisa, Mastercard
Vietnam wallets: supported — MoMoMoMo
Vietnam bank transfers: supported — Mainstream banksMainstream banks
Vietnam local methods: supported — VietQRVietQR
Thailand
Thailand cards: supported — Visa, MastercardVisa, Mastercard
Thailand wallets: supported — TrueMoneyTrueMoney
Thailand bank transfers: supported — All Thai bank appsAll Thai bank apps
Thailand local methods: supported — PromptPayPromptPay
Philippines
Philippines cards: supported — Visa, MastercardVisa, Mastercard
Philippines wallets: supported — GCash, Maya, GrabPayGCash, Maya, GrabPay
Philippines bank transfers: supported — All Philippine banksAll Philippine banks
Philippines local methods: supported — QR PhQR Ph
South Asia
Pakistan
Pakistan cards: supported — Visa, MastercardVisa, Mastercard
Pakistan wallets: supported — Easy Paisa, JazzCashEasy Paisa, JazzCash
Pakistan bank transfers: not supported
Pakistan local methods: not supported
Bangladesh
Bangladesh cards: supported — Visa, MastercardVisa, Mastercard
Bangladesh wallets: supported — bKash, NagadbKash, Nagad
Bangladesh bank transfers: not supported
Bangladesh local methods: not supported
India
India cards: supported — Visa, MastercardVisa, Mastercard
India wallets: not supported
India bank transfers: not supported
India local methods: supported — UPIUPI
MENA
Saudi Arabia
Saudi Arabia cards: supported — Visa, MastercardVisa, Mastercard
Saudi Arabia wallets: supported — STC Pay, Apple PaySTC Pay, Apple Pay
Saudi Arabia bank transfers: supported — MadaMada
Saudi Arabia local methods: not supported
UAE
UAE cards: supported — Visa, MastercardVisa, Mastercard
UAE wallets: supported — Apple PayApple Pay
UAE bank transfers: not supported
UAE local methods: not supported
Qatar
Qatar cards: supported — Visa, MastercardVisa, Mastercard
Qatar wallets: supported — Apple PayApple Pay
Qatar bank transfers: supported — NAPSNAPS
Qatar local methods: not supported
Kuwait
Kuwait cards: supported — Visa, MastercardVisa, Mastercard
Kuwait wallets: supported — Apple PayApple Pay
Kuwait bank transfers: supported — KNETKNET
Kuwait local methods: not supported
Bahrain
Bahrain cards: supported — Visa, MastercardVisa, Mastercard
Bahrain wallets: supported — Apple PayApple Pay
Bahrain bank transfers: supported — BenefitBenefit
Bahrain local methods: not supported
Oman
Oman cards: supported — Visa, MastercardVisa, Mastercard
Oman wallets: supported — Apple PayApple Pay
Oman bank transfers: not supported
Oman local methods: not supported
Iraq
Iraq cards: supported — Visa, MastercardVisa, Mastercard
Iraq wallets: supported — Zain CashZain Cash
Iraq bank transfers: not supported
Iraq local methods: not supported
Jordan
Jordan cards: supported — Visa, MastercardVisa, Mastercard
Jordan wallets: not supported
Jordan bank transfers: not supported
Jordan local methods: supported — CliQCliQ
Africa
Egypt
Egypt cards: supported — Visa, MastercardVisa, Mastercard
Egypt wallets: supported — Vodafone, FawryVodafone, Fawry
Egypt bank transfers: not supported
Egypt local methods: supported — Convenience stores and mobile operator outletsConvenience stores and mobile operator outlets
Nigeria
Nigeria cards: supported — Visa, MastercardVisa, Mastercard
Nigeria wallets: supported — OPayOPay
Nigeria bank transfers: supported — Mainstream banksMainstream banks
Nigeria local methods: not supported
Kenya
Kenya cards: supported — Visa, MastercardVisa, Mastercard
Kenya wallets: supported — M-PesaM-Pesa
Kenya bank transfers: supported — Mainstream banksMainstream banks
Kenya local methods: not supported
Tanzania
Tanzania cards: supported — Visa, MastercardVisa, Mastercard
Tanzania wallets: supported — M-Pesa, Tigo Pesa, HaloPesaM-Pesa, Tigo Pesa, HaloPesa
Tanzania bank transfers: not supported
Tanzania local methods: not supported
Ghana
Ghana cards: supported — Visa, MastercardVisa, Mastercard
Ghana wallets: supported — MTN MoMo, Vodafone, Airtel MoneyMTN MoMo, Vodafone, Airtel Money
Ghana bank transfers: not supported
Ghana local methods: not supported
South Africa
South Africa cards: supported — Visa, MastercardVisa, Mastercard
South Africa wallets: not supported
South Africa bank transfers: supported — Instant EFTInstant EFT
South Africa local methods: not supported
Cameroon
Cameroon cards: supported — Visa, MastercardVisa, Mastercard
Cameroon wallets: supported — MTN MoMo, OrangeMTN MoMo, Orange
Cameroon bank transfers: not supported
Cameroon local methods: not supported
Europe & Americas
Europe
Europe cards: supported — Visa, MastercardVisa, Mastercard
Europe wallets: supported — Google Pay, Apple PayGoogle Pay, Apple Pay
Europe bank transfers: not supported
Europe local methods: not supported
United States
United States cards: supported — Visa, MastercardVisa, Mastercard
United States wallets: supported — Google Pay, Apple PayGoogle Pay, Apple Pay
United States bank transfers: not supported
United States local methods: not supported
Canada
Canada cards: supported — Visa, MastercardVisa, Mastercard
Canada wallets: supported — Google Pay, Apple PayGoogle Pay, Apple Pay
Canada bank transfers: not supported
Canada local methods: not supported
Mexico
Mexico cards: supported — Visa, MastercardVisa, Mastercard
Mexico wallets: not supported
Mexico bank transfers: supported — SPEISPEI
Mexico local methods: supported — OXXOOXXO
Brazil
Brazil cards: supported — Visa, MastercardVisa, Mastercard
Brazil wallets: not supported
Brazil bank transfers: not supported
Brazil local methods: supported — PIXPIX
✓ supported ｜ — not supported ｜ Cards: supported in all 34 markets
Paying out is the other half
50+
Countries & Regions
Real-time
Typical arrival time
98%
Payout success rate
$0.1
Minimum payout
1,000+
Payouts per batch
100%
Segregated client funds
4 core capabilities
From collection to payout, from FX to settlement — one account, one integration.
Local Payments
Accept the methods buyers already use, across 34 markets on local rails.
- 150+ methods
- 34 markets
- Live in 7 days
- +40% conversion
Card acquiring
Visa, Mastercard, Google Pay and Apple Pay, on blended or IC++ pricing. US merchants contracting through HaiPay’s US entity: US-issued cards from 2.5% + US$0.30; cards issued outside the US from 4.0% + US$0.30, after a business and risk review.
- US cards from 2.5% + $0.30
- IC++ available
- USD settlement
Cross‑Border Payouts
Pay suppliers, creators and workers into banks and wallets worldwide.
- 50+ countries
- Real-time arrival
- 98% success
- From $0.1
FX & Rate Management
Convert and settle in USD at local market rates, priced per market.
- Outbound FX 1%–2.5%
- USD settlement
- Schedule per quote
What you actually pay
Review a sample IC++ cost breakdown, then check the payment-method, FX and account terms that apply to your business.
An illustrative US$100 IC++ payment
1.80% Interchange, costing US$1.80.
0.20% Card networks charge, costing US$0.20.
0.50% HaiPay processing fee, costing US$0.50.
This IC++ illustration is not HaiPay’s blended rate or a merchant quote. Interchange and scheme fees vary; processing, fixed per-transaction and other applicable charges are confirmed in your quote.
Illustrative percentage components: 2.50% · US$2.50, before other applicable charges
Other possible costs
Setup fee
The initial fee for activating HaiPay services.
US$0
HaiPay does not charge any setup cost.
Annual fee
Annual fee for payment acceptance.
US$0
US$0 annual fee; confirm any account-specific monthly charges in your quote.
Card processing (blended)
Starting rate for US-issued cards, for US merchants contracting through HaiPay’s US entity.
From 2.5% + US$0.30
Cards issued outside the US: from 4.0% + US$0.30. Business and risk review applies.
Local payment methods
Fees for local payment methods such as e‑wallets or bank transfers.
From 1.2%
QRIS in Indonesia. FX and applicable local taxes are listed separately in your quote.
Processed refund
US$0.30 per processed refund.
US$0.30
Outbound FX
Fees for converting funds between currencies.
1%–2.5%
Varying by market and FX corridor.
USD settlement transfer
US$15 per USD settlement wire; intermediary bank fees are borne by the recipient.
US$15
Settlement timeline
Settlement schedule and bank-arrival arrangements depend on the account and payment method.
Confirmed in your quote
Minimum monthly billing
No minimum monthly billing for payment acceptance.
None
This does not mean all account fees are waived.
Disputes & risk deposits
US$20 per dispute. Any required risk deposit is confirmed in your quote.
US$20 per dispute
Compliance & Risk control
Merchant onboarding (KYC)
Entity, ownership, and business‑model checks before an account goes live.
Sanctions screening
Real‑time screening of parties against global sanctions lists.
AML monitoring
Ongoing transaction monitoring against money‑laundering typologies.
3‑D Secure & Risk engine
3DS authentication plus machine‑learning scoring on every transaction.
GDPR Data Protection
ISO Certification
Proven in market
Three results from merchants who switched on local methods. Figures as published on our local payments page.
A leading e‑commerce merchant in Brazil saw checkout conversion rise from 42% to 89% after switching to Pix, with repurchase rate increasing by 60%.
89%Checkout Conversion Rate(↑47%)
+60%Repurchase Rate
Tailored Solutions for Different Industries
Deeply integrated into industry workflows to solve real payment and payout challenges
Game Publishing
Global game acquiring and incentive distribution
Social & Voice Chat Platforms
Global local collection and payout; creator/host salary disbursement
Forex & Financial Platforms
Fiat on/off‑ramp; local payment rails for emerging markets
Cross‑Border E‑commerce
Direct acquiring and collection for independent stores
Content Platforms
Creator In‑App Transactions subscriptions; Merchant In‑App Transactions subscriptions
Flexible Workforce
Mass payouts to global freelancers
Global Payment Product Matrix
Every product behind the flows above.
Local Payment
Supports major local payment methods worldwide to meet regional acquiring needs.
Credit Card Payment
Connected to global card schemes and acquirers, suitable for e‑commerce, content platforms, and more.
Subscription Payment
Supports CIT/MIT models for recurring billing in membership, content subscription, and SaaS scenarios.
Global Payout
Cross‑border payout capabilities for businesses, platforms, and freelancers, supporting mass payroll and multi‑currency disbursement.
Virtual Card Issuing
Issue USD virtual cards for advertising and AI subscriptions, or integrate card issuing through an API.
FAQ
A cross-border payment platform lets one business accept money from buyers abroad and send money to recipients abroad through a single integration, handling local payment methods, currency conversion, risk screening and settlement in one place — instead of a separate bank or processor contract per market.
A cross-border payment moves in three hops: the buyer pays with a local payment method in their own market; the provider converts the currency and settles the funds, typically in USD; and the money is paid out through local rails to a bank account or wallet in the recipient's country. Replacing correspondent banking with local rails at both ends is what turns multi-day transfers into real-time ones.
The main risks are currency risk — exchange rates can move between charge and settlement — fraud and chargebacks on card payments, compliance risk where KYC, AML and sanctions rules differ by market, and settlement risk when funds pass through multiple intermediaries. Providers manage these with rate locking, 3-D Secure and risk screening, sanctions-list checks, and fully segregated client funds.
For merchants the recurring problems are conversion loss when only cards are offered — buyers in many markets pay by e-wallet, bank transfer or QR — fragmented fund flows across markets and accounts, platform commissions cutting into margin, and the cost and slowness of correspondent banking, where every intermediary adds fees and days. A single cross-border payment platform exists to remove exactly these frictions.
Compare local payment rails with card and wire options for your target markets. Local payment methods start from 1.2%, such as QRIS in Indonesia; method rates, FX and applicable local taxes are listed separately in your quote. Review the full cost of collection, conversion, refunds, disputes and settlement transfers before choosing a route.
Cards are the baseline, but in most markets the methods buyers actually use are local: e-wallets and QR schemes such as QRIS in Indonesia, PromptPay in Thailand and Pix in Brazil, real-time bank transfers in Europe, and UPI in India. The right mix is market-specific — check a provider's country-level coverage matrix rather than a global method count.
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