10 Best Payment Gateways for Hong Kong Businesses [2025]

Choosing the right payment gateway in Hong Kong can make a big difference to how your business runs. Whether you sell online, run a service-based business, or something in between, how you accept payments affects everything from cash flow to customer experience.

From global platforms like Stripe and PayPal to local providers offering FPS and digital wallet support, the challenge isn’t accepting payments. It’s choosing the gateway that fits how your business operates.

In this guide, we break down 10 of the top payment gateways for Hong Kong businesses in 2025. You’ll find key details on fees, wallet compatibility, payout timelines, and ecommerce integrations, so you can compare your options and choose with confidence.

Stripe is a leading multinational financial services and SaaS company widely used by online sellers worldwide. The platform is supported in over 40 countries, including Hong Kong, Singapore, the United Kingdom, Australia, and most of Europe. 

Launched in Hong Kong in 2017, Stripe offers a customisable payment gateway with integrations for Alipay and WeChat Pay, along with access to other online payment methods, making it a flexible option for businesses targeting both local and international customers. It is currently used by almost 2,000 websites in Hong Kong alone, ranging from SMEs to large corporations.

Key Features:

• Multi-currency support: Accept payments in 135+ currencies with auto-conversion and multi-currency settlement.
• One-click checkout with Link: Improve conversion for repeat customers with saved payment details and frictionless checkout.
• Pre-built payment forms & links: Accept payments instantly with no-code tools like Stripe Checkout and Payment Links.
• Customisable UI elements: Build branded checkout experiences using secure, developer-friendly components.
• Radar fraud protection: Stripe’s built-in AI fraud detection helps reduce chargebacks and false declines.

• Cards: Visa, Mastercard®, JCB, American Express, Union Pay, Maestro, Link
• Wallets: Alipay, WeChat Pay, Apply Pay, and Google Pay
• Bank-Based*: Bank debits, transfers, redirects, and real-time payments via methods such as Bancontact, EPS, iDEAL, and SEPA Direct Debit
• Buy now, pay later: Klarna

*Note that the above are the supported payment methods for Stripe Hong Kong, which may differ in other regions.

While most businesses will only pay per transaction, Stripe offers additional features that may incur extra fees. Here's a quick breakdown of the less common costs:

For a full breakdown of Stripe’s standard and optional fees in Hong Kong, see Stripe’s official pricing page.

PayPal is a popular online payment solution that enables ecommerce businesses worldwide, including those in Hong Kong, to accept a wide range of payment methods, even if the buyer doesn’t have a PayPal account. 

The PayPal Complete Payments service in Hong Kong offers secure online checkout with strong buyer and seller protection. It's a reliable option for international merchants, freelancers, and ecommerce businesses seeking a trusted, easy-to-set-up payment gateway with global reach.

Key Features:

• Multi-currency support: Accept payments in 20+ currencies, including HKD, USD, EUR, JPY, SGD, and more.
• Flexible checkout: Let customers pay directly on your site using cards, wallets, subscriptions, or PayPal balance.
• No-code payment tools: Share links, QR codes, or buttons via email, social media, or your website.
• Platform integrations: Easily connect PayPal with Shopify, WooCommerce, OpenCart, Adobe Commerce, and more.
• Recurring billing & invoicing: Automate payments with subscription tools and professional invoices.

• Cards: Visa, Mastercard®, American Express
• Wallets: PayPal Wallet, Apple Pay, Google Pay, Samsung Pay
• Buy now, pay later: Pay in 3 / Pay in 4 (availability depends on merchant setup and buyer location)

Always refer to PayPal HK’s official merchant fees for the most up-to-date and detailed pricing.

Adyen is a global payment gateway company established in the Netherlands in 2006 and has since expanded to numerous countries, including Hong Kong.

Through a single integration, Adyen enables businesses to accept online payments, optimise performance with built-in fraud tools, and settle in multiple currencies. It supports a wide range of local and international payment methods, allowing businesses to localise the checkout experience while scaling internationally.

The platform also offers a variety of add-ons, such as transaction authentication, machine learning-based optimisation to improve authorisation rates, and a “donate at checkout” feature.

Key Features

• All-in-one payment platform: Accept online, in-app, and in-person payments through one platform with a single integration.
• Flexible payouts in major currencies: Settle in HKD, USD, EUR, GBP, JPY, or SGD, and choose when to get paid.
• Secure checkout design: Card data never touches your servers, helping reduce PCI burden and keep transactions safe.
• Higher conversion rates: Improve success with localised checkout, saved payment details, and no redirect flows.
• Easy to integrate: Pick from prebuilt checkout (Drop-in), customisable parts (Components), or full API. Adyen also works with 30+ platform plugins.

• Cards: Major credit and debit cards, including Visa, Mastercard®, American Express (AMEX), Discover, Diners Club, JCB, and UnionPay.
• Digital wallets: Alipay, Alipay+, AlipayHK, WeChat Pay, Apple Pay, Google Pay™, Samsung Pay, PayMe, PayPal*

*PayPal is supported only with a direct contract and additional management fee.

For a complete breakdown, visit Adyen’s pricing page.

Alipay+ is a global payment and marketing solution developed by Ant International, the same group behind Alipay, one of the major payment platforms in Hong Kong and Mainland China. While Alipay serves individual consumers, Alipay+ is built for merchants, offering a streamlined way to accept cross-border payments from a wide range of mobile wallets, BNPL apps, and banking apps.

In Hong Kong, it supports both online and in-store payments through a single integration, along with multi-currency settlement, real-time currency conversion, and checkout marketing tools to help businesses attract and retain customers.

Key Features:

• One-time integration: Accept both online and in-store payments with a single setup across mobile wallets, bank apps, and BNPL services.
• Multi-currency support: Process payments in 25+ currencies with real-time conversion and settlement in your preferred currency.
• Flexible checkout options: Choose plug-in for web and mobile, or SDK for in-app checkout with no redirection and multilingual support.
• QR code payments: Accept merchant-presented or customer-presented QR code payments.
• Checkout marketing tools: Offer real-time discounts and promo codes linked to specific payment methods.

Alipay+ supports a wide range of popular payment methods in Hong Kong, including:

• Cards: Visa, Mastercard®, UnionPay, JCB
• Digital wallets & BNPL apps: Alipay, AlipayHK, WeChat Pay, GCash, GrabPay, Touch’n Go, Kakao Pay, LINE Pay, ShopeePay, and more
• QR & bank transfers: PayMe, PayNow, PromptPay, QRIS, FPX

Some methods may be available only through specific acquirers or require additional setup. For a full and updated list, visit the Alipay+ payment methods page.

Alipay+ does not publicly disclose a standard fee structure for Hong Kong merchants. Instead, pricing is customised based on your business type, transaction volume, and integration method.

While Alipay+ uses a tailored pricing model, the following table shows reference rates from legacy Alipay cross-border transactions to help set expectations:

To get started, submit the Alipay+ Global Merchant Onboarding Form. This gives you access to the Merchant Portal and services like online checkout, in-store QR payments, and cross-border settlement tools.

WeChat Pay is a widely used mobile payment platform in Mainland China and Hong Kong that helps businesses accept payments both online and in-store. It's built into the WeChat app, making it easy for Chinese consumers to pay directly from their phones.

For Hong Kong businesses, WeChat Pay is particularly effective for reaching Chinese customers and travellers. It also offers marketing tools, loyalty features, and multi-currency settlement to support cross-border payments.

Key Features:

• Multi-currency support: Accept and settle payments in over 25 currencies, including HKD, USD, EUR, SGD, JPY, and CNY.
• Flexible payment options: Support Quick Pay, merchant QR code payments, Mini Program checkout, in-app payments, and web payments.
• Built-in marketing tools: Create merchant pages, distribute coupons and vouchers, run loyalty point campaigns, and access exclusive FX rate offers.
• No-code tools: Use marketing dashboards and POS materials without extra development.

• WeChat Wallet Balance (Mainland Chinese users)
• Linked Bank Accounts or Cards (Chinese-issued cards only)
• QR Code Payments (Quick Pay & Scan-to-Pay)
• In-App & Web Payments via WeChat Pay interface

WeChat Pay does not publicly disclose standard merchant fees. Instead, pricing is tailored based on your business model, transaction volume, and whether you integrate directly or through an institutional partner.

• For Hong Kong and UK businesses: You may apply directly via the WeChat Pay Merchant Platform. Fees will be disclosed after review.
• For businesses in other regions: Fees are determined by a local authorised partner institution.

Merchants must complete the onboarding process to receive confirmed pricing.

You can begin through the WeChat Pay Merchant Platform, contact a local partner, or email wxpayglobal@tencent.com for business enquiries.

Octopus App for Business is a local payment platform built for Hong Kong retailers, market stalls, and taxi drivers. It allows merchants to accept in-person payments via Octopus cards or Octopus Wallet, using just a smartphone or the free Octopus Mobile POS device.

With no setup costs and support for real-time transfers through FPS, it's designed to simplify in-store transactions. While primarily offline-focused, Octopus also offers QR code and payment link features to support online sales, plus built-in tools for tracking, cashier control, and simple loyalty campaigns.

Key Features:

• Octopus Mobile POS: Accept payments by card tap or QR code scan. Free POS device (HKD 228 value) available for eligible merchants.
• Instant money transfer: Funds can be transferred 24/7 to pre-registered bank accounts via FPS.
• Cashier & Shop Owner Modes: Real-time payment alerts, cashier management, bank transfers, and store settings all within the app.
• Easy onboarding: Apply directly via mobile app with no hardware changes or POS system upgrades needed.
• Transaction records: Get instant balance updates via notifications, easily check transaction records and summaries, and export CSV reports through email.
• QR payment for online stores: Generate payment QR codes or links for simple online collection, supporting hybrid business models.

• Octopus Card: Octopus Card users can conveniently top up their cards using Visa card, Mastercard® card, UnionPay card, bank transfer, and cash 
• Octopus Wallet
• QR Code Payments (via Octopus App for Business)
• Payment Links (for online stores and remote checkout)

*Eligible merchants include new retail merchants and taxi drivers who successfully open a Business Account. To qualify, retail merchants must upload a recent storefront photo showing the shop name (taken within one month). Offer valid while stocks last. Terms and conditions apply.

Checkout.com is a global payment gateway platform offering a one-stop solution for accepting and processing payments, detecting fraud, handling refunds, and managing payouts.

The platform primarily focuses on enterprise-level partnerships, working with large merchants such as Sony, Financial Times, Alibaba, and Patreon.  It supports a wide range of payment methods and currencies through a unified API, with built-in tools for PCI compliance, risk management, and local acquiring.

Key Features:

• International Checkout: Supports over 150 processing currencies and 20+ settlement currencies, helping businesses expand globally.
• Easy integration: Choose from a fully custom API or prebuilt interface to fit your business needs.
• Simplify compliance: Built-in PCI-DSS Level 1 compliance helps protect customer data and reduce liability risks.
• Mobile SDK: Enables in-app payments with customisable UI, tokenisation, and 3D Secure support for iOS and Android.

• Cards: Visa, Mastercard®, American Express, Diners Club, JCB, UnionPay
• Digital wallets: Alipay, WeChat Pay, Apple Pay, Google Pay, Octopus, Dana, GCash, Kakao Pay, Touch 'n Go, TrueMoney

Checkout.com offers tailored, quote-based pricing based on business needs.10 They generally do not charge setup or monthly fees and offer free payment processing for registered charities in some countries.

AsiaPay is a digital payment service provider headquartered in Hong Kong. The company delivers integrated, multi-currency and multi-channel payment solutions for businesses across Asia-Pacific.

It supports SMEs and enterprises with features like fraud detection, tokenisation, recurring billing, and real-time reporting. AsiaPay enables businesses to accept payments through cards, e-wallets, BNPL, bank transfers, crypto, and over-the-counter options. 

Its 99.9%+ uptime and 24/7 regional support make it a reliable partner for growing businesses in the region.

Key Features: 

• Multi-currency and multi-bank support: Accept payments in 144+ currencies through 150+ payment types and regional acquiring banks
• All-in-one processing for recurring, batch, and vouchers: Manage subscriptions, bulk payouts, and voucher payments on one platform.
• Fraud detection and tokenisation: Reduce chargebacks and enhance card data security with real-time anti-fraud filters, tokenisation, and PCI-DSS compliant infrastructure.
• Ecommerce-ready plugins: Instantly connect with Shopify, WooCommerce, Magento, Amadeus, Sabre, Xero, and other leading platforms without advanced coding.
• Omnichannel payment enablement: Let customers pay through various channels, including websites, mobile apps, POS terminals, QR codes, and even social media or mini-programs.

• Cards: Visa, Mastercard®, UnionPay, JCB, American Express, Diners Club, Discover, RuPay
• Digital wallets: Alipay, AlipayHK, WeChat Pay, BoC Pay, PayMe by HSBC, Octopus Wallet, Apple Pay, Google Pay, Samsung Pay, GrabPay, LINE Pay, ShopeePay
• Buy Now, Pay Later: Atome, Grab PayLater
• Bank Transfers and Internet Banking: FPS (Faster Payment System)

AsiaPay does not publicly disclose its pricing on the website. Interested businesses must fill out a contact form to request a quote tailored to their needs.

Eway is a payment gateway service provider that allows businesses to accept online payments made from credit and debit cards. Originally founded in Australia, the platform has been operating in Hong Kong since 2009 and is one of the most widely used payment gateways in the jurisdiction. 

It stands out for its 24/7 technical support, strong security standards, and fast settlement, with payments typically deposited within 1–3 business days.

Key Features:

• Accept card payments: Process payments via credit and debit cards from customers.
• Multi-channel customer support: Get assistance via phone, live chat, and email.
• Integrate software and add-ons: Connect with 50+ shopping cart and software solutions, including Magento, WooCommerce, OpenCart, VirtueMart, PrestaShop, and more.
• Merchant tools: Track transactions, generate custom reports, and manage transactions through the MyEway portal.
• Recurring billing and saved cards: Set up automatic payments and allow returning customers to save their card details for faster checkout.
• Manual and mobile payments: Accept payments over the phone or on-the-go using Eway’s secure tools.

• Cards: Visa, Mastercard®, JCB, American Express, Discover, Diners

JETCO Payment Gateway is a secure card-only payment solution for ecommerce businesses in Hong Kong and Macau. It supports Visa, Mastercard®, and UnionPay payments, offering 24/7 availability and fast setup with no programming required.

Merchants can customise the payment page with their company name and logo, while built-in security tools like 3D Secure, CVV verification, IP monitoring, and attempt limits help protect against fraud.

Key Features:

• Secure card acceptance: Accept Visa, Mastercard®, and UnionPay with CVV2/CVC2, 3D Secure, and CUPSecure protection.
• Multi-currency support: Settle payments in HKD, USD, JPY, MOP, GBP, and CNY (RMB).
• Multi-lingual checkout: Offer payment pages in English, Traditional/Simplified Chinese, and Portuguese.
• Flexible payment channels: Accept payments online, via mobile, MOTO (mail/phone orders), and recurring billing.
• Built-in fraud prevention: Protect transactions with IP blocking, card attempt limits, and SSL encryption.
• Branded and easy setup: Customise your checkout with logo and name. No coding required.

• Cards: Visa, Mastercard®, UnionPay

JETCO does not provide pricing information on its website. To set up online payment acceptance via JETCO Payment Gateway, you can visit the following banks in Hong Kong:

• Bank of China (Hong Kong) Limited
• The Bank of East Asia
• Chong Hing Bank Limited
• Shanghai Commercial Bank Limited

Choosing the right payment gateway is essential for seamless transactions for both you and your customers. It ensures you get paid securely and efficiently while customers enjoy a smooth checkout experience that increases conversion rates.

Here are some factors to consider when choosing the payment gateway provider for your ecommerce business:

1. Supported Payment Methods: Ensure the payment gateway supports the payment methods your customers prefer, such as credit/debit cards, digital wallets (check if it accepts the most relevant ones like Alipay and WeChat Pay), and bank transfers.
2. Transaction Fees and Pricing Structure: Compare processing fees, chargeback fees, and potential hidden costs. Some providers use flat-rate pricing, while others follow tiered or interchange-plus pricing models.
3. Integration and Ease of Use: The gateway should integrate seamlessly with your ecommerce platform and provide API access for customisation. If you don’t have technical resources, look for providers with prebuilt plugins and an easy setup.
4. Security and Compliance: Look for PCI DSS compliance, encryption protocols, and fraud detection tools to ensure customer data is protected and transactions are secure.

Payout Speed and Settlement Options: Check how quickly funds are settled. Some providers offer instant or next-day payouts, while others take several business days. Faster settlement times are crucial for businesses relying on steady cash flow.

Choosing the right payment gateway in Hong Kong is key to a better checkout experience and efficient operations, whether you run a storefront or an ecommerce business. From global options like PayPal, Stripe, and Adyen to local solutions like Octopus for Business and JETCO, carefully evaluate payment methods, fees, integration, and payout speed to find the right fit for your business.