10 Best Payment Gateways for Hong Kong Businesses [2025]

Choosing the right payment gateway can make or break your business. High fees, limited payment options, and slow processing times can frustrate both you and your customers, leading to a poor user experience and lost sales.

Whether you're launching a new ecommerce business in Hong Kong or expanding your store here, this guide covers the 10 best payment gateways for 2025. We’ll compare pricing, supported payment methods, and compatibility, along with key insights, to help you choose the best option for seamless payments and business growth.

Most suitable for: Ecommerce SMEs to large corporations handling international transactions and requiring customisable online payment solutions.

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:

• Support over 135 currencies: Charge customers in more than 135 currencies and automatically convert payments to your default home currency with multi-currency settlement.
• Flexible UI components: Customisable UI building blocks for designing a secure payment experience at checkout.
• Shareable payment links: Share payment links or QR codes over email, SMS, or any other channel to accept one-time, recurring, or pay-what-you-want payments.
• Pre-built payment forms: Embed Stripe Checkout on your website or direct customers to a Stripe-hosted page to accept one-time payments or subscriptions.

• 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.

Please refer to the Stripe Hong Kong pricing page for the full list of fees, including charges for generating payment invoices and using Stripe Tax.*

Most suitable for: International businesses, sole traders, freelancers, and small online sellers needing a trusted, easy-to-set-up solution with global reach.

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 provides strong data encryption and buyer and seller protection policies. It is a reliable solution for ecommerce businesses, freelancers, and international merchants seeking a secure and convenient payment processing system, regardless of business size.

Key Features:

• Support over 20 currencies: Including HKD, AUD, EUR, GBP, JPY, SGD, THB, TWD, and USD.
• Flexible checkouts: Allow customers to pay without leaving your ecommerce website, supporting multiple payment options, recurring payments, and subscriptions.
• No-code payments: Create links, buttons, or QR codes to share on your website, email, social media, or text messages to get paid.

Connect with ecommerce platforms: Integrate with major ecommerce platforms like Adobe Commerce, BigCommerce, OpenCart, Shopify, and WooCommerce.

• Credit and debit cards, such as Visa, Mastercard®, and American Express
• Mobile wallets, including Apple Pay and Google Pay 
• PayPal wallets
• Other methods, such as iDEAL, MyBank, eps, SoFort, and Trustly

Please refer to PayPal Hong Kong’s merchant fees page for additional fees and pricing details.*

Most suitable for: Ecommerce, retail, SaaS businesses, and platforms and marketplaces that require multi-channel, high-volume international payments.

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

Through Adyen, international merchants can offer local payment methods with a single integration, providing greater flexibility for customers. The platform also offers add-ons to optimise payments, including transaction authentication, machine learning-based optimisation to boost conversion rates, and a "donate at checkout" feature.

Key Features:

• Support local payouts in EUR, GBP, HKD, JPY, SGD, and USD.
• Secure platform: Adyen implements multiple security measures to protect data, including encryption, security audits, and tokenisation.
• Digital payment optimisations: Language localisation, categorised payment options, location-based payments, tokenised credentials, and custom error messages.
• Integration options: Choose a ready-to-use checkout, semi-customizable components, fully customized API, or integrate via 34+ partner platforms.

• 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, PayPal, PayMe and more.

For every transaction, Adyen imposes a fixed processing fee along with a fee determined by the selected payment method. The following details the main fees.*

Most suitable for: Businesses of all sizes with a storefront or targeting the Chinese market, including those selling in Southeast Asia.

Alipay is one of the major payment platforms in Hong Kong and Mainland China. Founded in 2004 by Alibaba Group, they are one of the world's largest mobile payment apps, with over one billion users worldwide. 

For merchants and online shops, Alipay provides the Alipay+ Gateway, a payment solution that supports multiple payment methods, including Alipay e-wallet, AlipayHK, major credit cards, and other popular mobile wallets in the region. With a user-friendly interface, Alipay+ makes it easier for businesses to accept payments from both local and international customers.

Key Features:

• Multi-currency support: Process payments in 25 currencies, including HKD, GBP, USD, SGD, JPY, EUR, THB, IDR, PHP, and CNY.
• Cashier payment: Easily accept payments through Alipay+ partner payment methods, available as a plug-in for web, WAP, and in-app payments or via an SDK for in-app payments with no redirection during checkout.
• In-store payment methods: Accept merchant-presented QR payments (customers scan a QR code) or customer-presented QR payments (merchants scan a QR code from the customer’s mobile app) for greater flexibility.

• Cards: Major credit cards
• Alipay+: Alipay, AlipayHK, BillEase, Boost, BPI, GCash, Kakao Pay, K Plus, NAVER Pay, LINE Pay, TrueMoney, and more
• Digital wallets: GoPay, GrabPay, JKOPay, OVO, PayPay, ShopeePay, and ZaloPay
• Fast Payments: Paynow, PromptPay, and QRIS
• Others: QR Codes, bank transfers, and online banking

The accepted payment methods may vary by region. Please refer to the Alipay Payment Methods page for a full list.*

The pricing and fees can be accessed through your Alipay Merchant Account in the Merchant Portal. 

However, for cross-border payment products, the standard fees for website and app access to Alipay's payment services are as follows:*

Please note that the above price is for reference. The actual costs involve additional applicable fees, such as merchant processing fees, and may vary from these figures.

Quotations will be provided upon successful registration with Alipay.

Most suitable for: Businesses mainly selling in China and Asia Pacific, particularly those catering to WeChat users.

WeChat Pay is another widely used mobile payment platform that enables merchants to accept in-person and online payments from customers through QR code transactions and in-app payments.

It allows customers to pay directly from their WeChat, a popular multipurpose mobile app in Mainland China and Hong Kong. This makes WeChat Pay a valuable payment solution for businesses targeting Chinese consumers and the broader region, enhancing customer experience and convenience. 

Key Features:

• Multi-currency support: Supports payment settlement in 16 currencies, including HKD, GBP, USD, SGD, JPY, EUR, THB, IDR, PHP, and CNY.
• Payment products: Accept payments via Quick Pay QR codes, WeChat Mini Programs, Merchant’s official account, in-app payments, and web payments.
• Marketing products: These include support for building exclusive merchant pages, setting up merchant coupons and reward points, WeChat Pay vouchers, and coupon distribution.

• WeChat app balance
• QR Code for quick payment

Users can top up the WeChat app using their cards or bank transfers.

We cannot find information regarding WeChat Pay fees. Kindly reach out to WeChat through the WeChat Pay Contact Us page for further assistance.*

Most suitable for: Brick-and-mortar merchants and local Hong Kong businesses accepting in-person payments.

Octopus for Business is another popular local payment acceptance solution in Hong Kong, allowing merchants to accept payments from both physical Octopus cards and the Octopus Wallet.

The platform provides POS and mobile payment collection solutions primarily designed for retailers and taxi drivers. It also offers value-added services such as instant payment notifications, data analytics, and a platform for implementing loyalty programmes.

Key Features:

• Octopus Mobile POS: Allows customers or passengers to pay by tapping an Octopus card on the POS or scanning a QR code on the display.
• Instant money transfer: Shop owners can transfer funds from their Octopus Business Account to a pre-registered bank account 24/7.
• Cashier Mode: Receive real-time notifications and access support for transaction records.
• Shop owner features: Supports fund transfers to bank accounts, cashier management, POS setup, and shop management.
• Transaction records: Get instant balance updates via notifications, easily check transaction records and summaries, and export CSV reports through email.

• Octopus Card: Octopus Card users can conveniently top up their cards using Visa card, Mastercard® card, UnionPay card, bank transfer, and cash 
• Octopus Wallet

Octopus for Business has no setup fees and offers a waiver on bank transfer fees for the first six months (terms and conditions apply).* After this period, the fee for the first HKD 10,000 in transactions each month is permanently waived.

The standard bank account transfer fees are as follows:*

Most suitable for: Large enterprises and global businesses needing a customisable, API-driven payment solution.

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

The platform primarily focuses on enterprise-level partnerships, working with large merchants such as Sony, Financial Times, Alibaba, and Patreon. 

Key Features:

• International Checkout: Supports over 150 processing currencies and 20+ settlement currencies.
• Accept payments: Dynamically offers customers their preferred payment methods based on location, currency, or device.
• Easy integration: Choose from a fully custom API or prebuilt interface to fit your business needs.
• Simplify compliance: Built-in PCI compliance ensures businesses are not exposed to customer card data.
• Mobile SDK: Provides customisable UI and payment forms for iOS and Android apps.

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

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

Most suitable for: SMEs operating in Hong Kong and Southeast Asia that require multi-currency and multi-bank payment solutions.

AsiaPay is an all-in-one digital payment service provider based in Hong Kong, primarily catering to businesses operating within this region. 

They offer multi-currency and multi-channel payment solutions, including integrated digital payment processing with advanced functionalities such as fraud detection, tokenisation, data analytics, and more.

Key Features: 

• Multi-currency conversion: Real-time currency conversion based on card type and consumer preference.
• Multi-bank and multi-payment options: Supports up to 150 payment types.
• Flexible payment processing: Supports recurring, batch, and voucher payments.
• Ecommerce platform plugins: Download plugins for platforms like Xero, Invoicera, Amadeus, Sabre, Shopify, Magento, WooCommerce, and Eventsforce.

• Cards: Visa, Mastercard®, UnionPay, JCB, American Express, Diners Club, Discovers, RuPay
• Digital wallets: Alipay, AlipayHK, WeChat Pay, BoC Pay, PayMe, Octopus, GrabPay, LINE Pay, Apply Pay, Samsung Pay, Shopee Pay, and more
• Buy Now, Pay Later: Includes Afterpay, Atome, PayPal, and PayLater by Grab
• Bank account and Internet banking payments
• Crypto payments
• Over-the-counter payments

Following our research, we were unable to locate information regarding AsiaPay's pricing. Please contact AsiaPay directly for quotes.*

Most suitable for: Online sellers looking to accept credit and debit card payments only.

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. 

Eway stands out with 24/7 technical support via phone and fast settlement, with payments 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.

• Cards - Visa, Mastercard®, JCB, American Express, Discover

Most suitable for: Local companies operating in Hong Kong and Macau needing a secure, bank-backed payment gateway for card payments.

JETCO Payment Gateway is a 24/7 cashier solution for ecommerce businesses in Hong Kong and Macau, providing a flexible and easy-to-set-up online storefront. Merchants can customise the payment page with their company name and logo for a branded checkout experience.

To safeguard user data and prevent fraudulent transactions, JETCO Payment Gateway implements strict and advanced security measures, including card number attempt limits, CVV2/CVC2 verification, 3D Secure Protocol, and IP attempt monitoring.

Key Features:

• Supports major currencies: HKD, USD, JPY, MOP, GBP, and CNY (RMB).
• Multi-lingual support: Available in English, Traditional Chinese, Simplified Chinese, and Portuguese.
• Multi-channel support: Supports online, mobile, mail-to-order/telephone-order (MOTO), and recurring payments.
• Operation automation: Features Auto Close Batch, Digital Authorise, Capture and Void, and support for digital enquiries.

• 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.