Cross-Border Payments
HitPay offers multiple ways to accept payments from international customers. The right product depends on where you’re selling and how you want to price.Supported Payment Methods
These cross-border payment methods are available across HitPay’s products.Cross-Border Solutions
Borderless QR
In-personFixed storefrontCharge in your home currency. Customers scan and pay in their local currency using their home payment app. Best for physical stores serving foreign tourists.
Multi-Currency Products
In-personSelling overseasPrice products in the local currency of the country you’re operating in. Best for merchants at overseas popup booths, markets, and events.
Adaptive Pricing
OnlinePriced in your currencyCharge in your home currency. International customers automatically see and pay in their local currency at checkout. Best for online stores priced in the merchant’s currency.
Multi-Currency Payment Links
OnlinePriced in customer’s currencyCreate payment links denominated in the customer’s currency. Best for merchants who quote prices directly in the buyer’s local currency.
Building a custom integration?
See the Developer Cross-Border Guide to compare Borderless QR API vs Payment Request API.
Which Product Is Right for You?
Refunds
When a charge is made in a currency other than your home currency, the refund works differently from a standard same-currency refund. Example scenario: A Singapore merchant (home currency SGD) accepts a MYR 100.00 payment from a Malaysian customer.What the customer receives
The refund is issued in the charge currency — MYR 100.00 in this example. The customer's payment provider handles the funds in MYR, so they receive exactly what they paid.What balance is debited
The refund is deducted from your home currency wallet. For a Singapore merchant, that means SGD is deducted — not MYR. Because the charge currency (MYR) differs from your home currency (SGD), HitPay converts the refund amount at the live exchange rate at the time of refund — not the rate from when the original charge was made. This can result in a small FX gain or loss depending on how rates have moved between the charge and refund.If your home currency matches the charge currency (e.g., a Singapore merchant charging SGD), no currency conversion is needed and the exact charge amount is deducted from your SGD wallet.
Frequently Asked Questions
What fees apply to cross-border payments?
What fees apply to cross-border payments?
A 1% FX markup is applied on top of the mid-market rate when HitPay handles the currency conversion (Borderless QR and Adaptive Pricing). Standard payment processing fees also apply.For Multi-Currency Products and Multi-Currency Payment Links, you set the price directly in the customer’s currency — no automatic FX conversion is applied by HitPay.Customers are not charged any additional FX fees.
How is the exchange rate determined?
How is the exchange rate determined?
HitPay uses the mid-market exchange rate, plus a 1% markup. The rate is refreshed daily at 6:00 AM SGT and cached for the rest of the day — so all transactions, settlements, and refunds processed within the same day use the same rate.
When do I receive my payout?
When do I receive my payout?
Cross-border payments are credited to your HitPay Balance on a T+1 calendar day basis. The collected amount is automatically converted to your home currency and included in your daily payout.
How do refunds work for cross-border payments?
How do refunds work for cross-border payments?
The refund is issued in the charge currency. The amount deducted from your home currency wallet is converted at the live exchange rate at the time of refund — not the rate from the original transaction. This means you may experience a small FX gain or loss depending on how rates have moved.
How do I enable cross-border payment methods?
How do I enable cross-border payment methods?
Go to Settings > Payment Methods, click Connect on the desired payment method and complete the required information. Partner providers review new requests within 3–5 business days.Once activated, go to Integrations, select your integration, and enable the payment methods for that sales channel.
Do I need additional hardware for in-person cross-border payments?
Do I need additional hardware for in-person cross-border payments?
No. Borderless QR and Multi-Currency Products work with the existing HitPay POS app. No additional hardware is required.