Cross-Border Payments

Choose the right API for your cross-border integration — Borderless QR for custom POS, or Payment Requests for adaptive online checkout.

Overview

HitPay exposes two API-level mechanisms for cross-border payments. Both allow merchants to charge in their home currency while customers pay in their local currency — but they serve different integration scenarios.

Borderless QR API

For custom POS / in-person flows

Extend your embedded QR integration to accept cross-border payments. The API returns qr_amount, qr_currency, and fx_rate so you can display the conversion to the customer before they scan.

Payment Request API

For custom online checkout

Create payment requests in your home currency. Adaptive pricing automatically presents the converted local currency amount to the customer at checkout.

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Which API Should I Use?

	Borderless QR API	Payment Request API (Adaptive Pricing)
Channel	In-person / custom POS	Online checkout
Mechanic	Merchant charges home currency; API converts and returns local-currency QR	Merchant charges home currency; checkout displays local-currency price to customer
Customer action	Scans QR code using local payment app	Pays at checkout using local payment method
Response extras	qr_amount, qr_currency, fx_rate	Adaptive pricing shown at checkout
Target integrator	Developer building custom POS or kiosk	Developer building custom online checkout
Reference docs	Borderless QR	Adaptive Pricing

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Borderless QR API

This extends the Embedded QR Code integration. Once your base embedded QR setup is in place, you can accept cross-border payments with no additional onboarding.

Use the payment_methods[] parameter to specify cross-border payment methods:

POST /v1/payment-requests
{
  "amount": 100,
  "currency": "SGD",
  "payment_methods[]": "qrph"
}

The API response includes the converted values:

• qr_amount — amount in the customer’s local currency
• qr_currency — customer’s currency code
• fx_rate — exchange rate applied

Full Borderless QR API docs →

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Payment Request API (Adaptive Pricing)

Create a standard payment request in your home currency. When adaptive pricing is enabled, international customers automatically see the converted price in their local currency at checkout.

Use the payment_methods[] parameter to enable cross-border payment methods:

POST /v1/payment-requests
{
  "amount": 50,
  "currency": "SGD",
  "payment_methods[]": "paynow_online"
}

Full Online Payments API docs →

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Cross-Border Payment Methods

See the Cross-Border Payments overview for the full list of supported payment methods and their availability for online vs in-person flows.

To enable cross-border methods on your account, go to Settings > Payment Methods in your HitPay dashboard.