> ## 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.
# Availability by Market
> 45 markets where HitPay processes payments — cards, local APMs, cross-border QR, and recurring billing
HitPay enables partners to accept payments across **45 markets**. In our three core markets — Singapore, Malaysia, and the Philippines — HitPay holds direct payment licenses and operates its own acquiring stack. In the remaining 42 markets, HitPay uses **Stripe Standard Connect for cards only**; all alternative payment methods (APMs, regional QR rails, recurring) are always HitPay-acquired direct.
## How to read this page
* **Card (online):** who acquires the card transaction. `HitPay direct` = HitPay's own license + acquiring relationship; `Stripe` = Stripe Standard Connect; `Adyen` = HitPay's direct Adyen MID.
* **Card (offline):** card-present support, via HitPay POS, Adyen, or Stripe Terminal.
* **Local APMs:** account-to-account, QR, and wallet rails settling in the partner's **local currency**. Always HitPay-acquired direct.
* **Cross-border APMs:** foreign-wallet QR rails (Borderless QR — 13-scheme stack) settling in the partner's **local currency**. Always HitPay-acquired direct.
* **Recurring:** methods supporting tokenisation + scheduled auto-charge.
**Cards in non-core markets** are acquired via Stripe Standard Connect. All other payment methods on this page — every APM, QR rail, and recurring rail — are acquired direct by HitPay.
## Coverage at a glance
Cards, APMs, cross-border QR, and recurring billing across APAC, Europe, Americas, and MENA.
Singapore, Malaysia, Philippines — HitPay holds direct payment licenses and operates its own acquiring stack.
HitPay's cross-border QR stack accepts foreign wallets in every market we support.
## Availability by country
Pick a region, then click any market to see its full capability detail.
**Core market** · HitPay direct + Stripe + Adyen
| Capability | Detail |
| ----------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | MAS MPI |
| Card (online) | HitPay direct + Stripe + Adyen |
| Card (offline) | Stripe Terminal + Adyen |
| Local APMs | PayNow, GrabPay, Grab PayLater, ShopeePay, SPayLater, ShopBack PayLater, Atome, Atome QR, WeChat Pay, Alipay, UPI QR, GIRO Direct Debit |
| Cross-border APMs | DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, GIRO, ShopeePay, GrabPay, TnG, ZaloPay |
**Core market** · HitPay direct + Stripe
| Capability | Detail |
| ----------------- | -------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | BNM Merchant Acquirer |
| Card (online) | HitPay direct + Stripe |
| Card (offline) | Stripe Terminal |
| Local APMs | FPX, DuitNow Online Banking, DuitNow QR, Touch 'n Go eWallet, GrabPay, ShopeePay, Boost, MAE, Atome, SPayLater, Grab PayLater, WeChat Pay, Alipay |
| Cross-border APMs | PayNow QR (SG), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ShopeePay, GrabPay, ZaloPay |
**Core market** · HitPay direct
| Capability | Detail |
| ----------------- | -------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | BSP MAL/OPS |
| Card (online) | HitPay direct |
| Card (offline) | HitPay POS (HitPay direct, BSP-licensed) |
| Local APMs | QR Ph, InstaPay, PESONet, GCash, Maya, GrabPay, ShopeePay, SPayLater, BillEase, OTC (Bayad / ECPay / Palawan) |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, ShopeePay, TnG, ZaloPay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | AUSTRAC (HitPay payouts) |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Adyen + Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Adyen + Stripe |
| Card (offline) | Not on Stripe Terminal |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | Stripe IN approval at >US\$1M/yr |
| Card (online) | Stripe |
| Card (offline) | Not on Stripe Terminal |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | Stripe TH (newly live) |
| Card (online) | Stripe |
| Card (offline) | Not on Stripe Terminal |
| Local APMs | PromptPay |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (Tap-to-Pay only) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (Tap-to-Pay only) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (Tap-to-Pay only) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (Tap-to-Pay only) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (Tap-to-Pay on Android only) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Not on Stripe Terminal |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (Tap-to-Pay only) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (Tap-to-Pay only) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (Tap-to-Pay only) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (Tap-to-Pay only) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (Tap-to-Pay only) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (Tap-to-Pay only) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (Tap-to-Pay only) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (Tap-to-Pay only) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Not on Stripe Terminal |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | FinCEN MSB (HitPay) |
| Card (online) | Stripe |
| Card (offline) | Stripe Terminal (GA) |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
Stripe
| Capability | Detail |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Licence | — |
| Card (online) | Stripe |
| Card (offline) | Not on Stripe Terminal |
| Local APMs | — |
| Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
| Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |
## Cross-border APMs (Borderless QR)
HitPay's 13-scheme Borderless QR stack is available in **every market** we support. Foreign wallets scan the local QR; HitPay handles FX and settles to the partner's local currency.
The full stack covers: **PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay.**
In each market, the country's own local QR is excluded from the cross-border set (since it's already the local rail).
## Payout timing
### Core markets (SG, MY, PH)
| Balance | Payment Methods | Frequency | Payout Done By |
| :----------------- | :-------------------------------------------------------------------------------------------------------- | :---------------------: | :------------: |
| **HitPay Balance** | PayNow, GrabPay, ShopeePay, SPayLater, ShopBack Pay, Atome, WeChat Pay, UPI, plus 13-scheme Borderless QR | T + 1 Calendar Day | HitPay |
| **Card Balance** | Cards (Visa, Mastercard, Amex, UnionPay, Apple Pay, Google Pay) | From T + 1 Business Day | Stripe |
Minimum payout: **SGD 1**. See [full payout schedule](/getting-started/payouts) for split-payout rules and bank account setup.
| Balance | Payment Methods | Frequency | Payout Done By |
| :----------------- | :-------------------------------------------------------------------------------------------------------------- | :-----------------: | :------------: |
| **HitPay Balance** | DuitNow, FPX, Touch 'n Go, ShopeePay, SPayLater, GrabPay, Atome, Boost, MaybankQR, plus 13-scheme Borderless QR | T + 2 Calendar Days | HitPay |
| **Card Balance** | Cards (Visa, Mastercard, UnionPay, Apple Pay, Google Pay) + FPX | T + 3 Business Days | Stripe |
Minimum payout: **RM 5**. See [full payout schedule](/getting-started/payouts).
Payouts under **PHP 50,000** use **Instapay** (same day, subject to recipient bank support). Payouts over **PHP 50,000** use **PESONet** (2–3 working days).
| Balance | Payment Methods | Frequency | Payout Done By |
| :--------------------------- | :---------------------------------------------------------------------------------------------------------------------------------- | :-----------------: | :------------: |
| **HitPay (Non-Cards)** | QRPH, GCash, Maya, ShopeePay, BillEase, GrabPay, OTC (Bayad/ECPay/Palawan), Unionbank Online, PESONet, plus 13-scheme Borderless QR | T + 1 Calendar Day | HitPay |
| **HitPay (Online Cards)** | Cards (Visa, Mastercard) | T + 7 Calendar Days | HitPay |
| **HitPay (In-Person Cards)** | Cards (Visa, Mastercard) | T + 2 Calendar Days | HitPay |
See [full payout schedule](/getting-started/payouts) for details.
### Stripe Standard Connect markets (42)
For non-core markets, **card payouts follow Stripe's standard payout schedule**, which varies by country. Typical timing is **T+2 to T+7 business days** in local currency.
Authoritative per-country payout schedule for Stripe Standard Connect accounts. Includes first-payout delays (typically 7–14 days after first successful transaction) and minimum payout amounts.
**HitPay-acquired APMs and Borderless QR** in non-core markets still settle on HitPay's schedule (T+1 to T+2 calendar days), not Stripe's. Only the **Card Balance** in non-core markets follows Stripe's standard timing.
## Recurring billing — coming soon
**LinePay** and **GCash** recurring rails are coming soon to all 45 markets.
Already live globally (any market): **TnG** and **ZaloPay** tokenised recurring.
## Licenses held by HitPay
| Market | Regulator | Licence |
| ------------------ | --------- | ------------------------------------------------------ |
| 🇸🇬 Singapore | MAS | Major Payment Institution — `PS20200643` |
| 🇲🇾 Malaysia | BNM | Registered payment instrument issuer / system operator |
| 🇵🇭 Philippines | BSP | MAL/OPS |
| 🇦🇺 Australia | AUSTRAC | Payouts |
| 🇺🇸 United States | FinCEN | MSB |
## Stripe Standard Connect migration
Partners outside Singapore, Malaysia, the Philippines, and Indonesia who were on the legacy Stripe Custom Connect setup must migrate to Stripe Standard Connect by **5 June 2026**. See the [Standard Connect migration guide](/announcements/standard-connect-migration) for steps.