> ## Documentation Index
> Fetch the complete documentation index at: https://docs.hitpayapp.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 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.

<CardGroup cols={2}>
  <Card title="Borderless QR API" icon="qrcode" href="/apis/guide/embedded-qr-code-payments/borderless-qr">
    **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.
  </Card>

  <Card title="Payment Request API" icon="credit-card" href="/apis/guide/online-payments">
    **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.
  </Card>
</CardGroup>

***

## 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](/apis/guide/embedded-qr-code-payments/borderless-qr)       | [Adaptive Pricing](/payments/adaptive-pricing)                                     |

***

## Borderless QR API

This extends the [Embedded QR Code](/apis/guide/embedded-qr-code-payments/domestic-qr) 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:

```bash theme={"system"}
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 →](/apis/guide/embedded-qr-code-payments/borderless-qr)

***

## 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:

```bash theme={"system"}
POST /v1/payment-requests
{
  "amount": 50,
  "currency": "SGD",
  "payment_methods[]": "paynow_online"
}
```

[Full Online Payments API docs →](/apis/guide/online-payments)

***

## Cross-Border Payment Methods

See the [Cross-Border Payments overview](/payments/cross-border-payments) 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.