HitPay Borderless QR

Accept local QR payments from international customers while receiving payouts in your home currency with automatic currency conversion.

Charge in your home currency. Let customers pay in theirs.

HitPay Borderless QR lets physical stores accept local payment methods from international customers, while you always receive payouts in your home currency with automatic currency conversion.

Get HitPay Borderless QR

Start accepting cross-border payments today

See how it works

Learn the simple payment flow

API Integration

Integrate Borderless QR via API

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Cross-Border Payment Challenges

Physical stores often face limitations when serving international customers:

• Most POS systems only support domestic payment methods
• International credit cards incur high processing fees (3% - 3.5%)
• Customers paying with foreign cards face additional FX fees (2% - 4%)
• Manual currency conversion is error-prone and slows down checkout

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What HitPay Borderless QR Does

HitPay Borderless QR allows merchants to accept local payment methods from international customers while receiving payouts in their home currency.

Key capabilities:

• Accept regional QR payment methods (PayNow, QR Ph, UPI, QRIS, PromptPay, WeChat, VietQR)
• Automatic real-time currency conversion
• Customers pay in their local currency using familiar payment apps
• Merchants receive payouts in their home currency

Designed for physical stores serving international customers—ideal for retail, F&B, and service businesses that regularly serve tourists and cross-border shoppers. No extra hardware or complex onboarding required.

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How It Works

1. Enter price in your home currency

   Merchant enters the price in their home currency as usual

2. Select customer's payment method

   Merchant selects the customer’s country and preferred payment method

3. Automatic currency conversion

   HitPay automatically converts the amount using real-time exchange rates

4. Customer pays, merchant gets paid

   Customer pays in their local currency. Merchant receives payout in their home currency.

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How to Set Up

1. Create a HitPay account

   Sign up for HitPay if you haven’t already.

2. Verify your account

   Complete the account verification process to enable payouts.

3. Enable cross-border payment methods

   Go to Payment Methods in your HitPay dashboard and enable one or more cross-border payment methods (e.g., QR Ph, UPI, QRIS, PromptPay).

4. Download the HitPay POS app

   Get the app on iOS or Android.

5. Start accepting cross-border payments

   Enabled cross-border payment methods will automatically appear in your HitPay POS app.

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Example: A Real-World Cross-Border Payment

Scenario: A Singapore merchant charges SGD 100 to a Philippine tourist.

1. Merchant enters SGD 100 in the HitPay POS app
2. Customer selects QR Ph as their payment method
3. HitPay displays the amount in PHP using real-time exchange rates
4. Customer scans and pays using their Philippine e-wallet
5. Merchant receives payout in SGD

No manual calculations. No currency risk. No confusion.

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Save on Every Transaction

HitPay Borderless QR offers significant savings compared to international card payments for both merchants and customers.

	HitPay Borderless QR	International Card Payments
Customer FX fees	0%	2% - 4%
Merchant processing fees	1.5% payment processing fee	3% - 3.5%

Everyone wins. Customers avoid hidden FX fees while merchants cut processing costs in half.

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Supported Countries & Payment Methods

Country	Payment Method	Currency	Availability
Singapore	PayNow	SGD	Available to all merchants that enable PayNow cross-border method
Malaysia	Touch ‘n Go	MYR	Available to all merchants that enable Touch ‘n Go cross-border method
Philippines	QR Ph, GCash	PHP	Available to all merchants that enable QRPH cross-border method
India	UPI	SGD	Available to all merchants that enable UPI cross-border method (UPI International)
Indonesia	QRIS	IDR	Available to all merchants that enable QRIS cross-border method
Thailand	PromptPay, TrueMoney	THB	Available to all merchants that enable Thailand cross-border method
China	WeChat	SGD / MYR	Only available for Singapore & Malaysian merchants (WeChat International)
Vietnam	VietQR, ZaloPay	VND	Available to all merchants that enable ZaloPay cross-border method

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Frequently Asked Questions

How is the exchange rate determined?

The exchange rate used for cross-border payments is based on the mid-market exchange rate at the time the transaction is processed.

The mid-market exchange rate is the average of the buy and sell rates between two currencies and is commonly used as a benchmark in the foreign exchange market.

What are the fees borne by the customer?

Customers are not charged any additional fees for cross-border payments.

Unlike card payments, there are no foreign exchange (FX) fees passed on to customers.

What are the fees borne by the merchant?

Merchants will be charged a 1.5% payment processing fee for any in-person cross-border QR payment method, plus FX fees (if applicable) based on the merchant’s country of registration / settlement currency.

What is the payout period?

For cross-border payments processed via supported regional payment methods, payouts are credited to your HitPay Balance on a T+1 calendar day basis.

Do I need additional hardware?

No. HitPay Borderless QR works with your existing HitPay POS app. No additional hardware or complex setup required.

Can I use HitPay Borderless QR alongside my existing payment methods?

Yes. HitPay Borderless QR is an additional payment option that works alongside all your existing local payment methods.

How do refunds work for cross-border payments?

When processing a refund, the customer receives the exact amount they originally paid in their local currency. The exchange rate from the original transaction is used—there is no recalculation based on current rates.