7 Best Payment Gateways for Hong Kong Businesses [2025]

A payment gateway isn’t just a checkout tool, but it’s how your business gets paid. Selecting the right one impacts how quickly money reaches your account, the fees you incur, and the level of confidence customers have when purchasing from you. 

If you choose the wrong payment gateway, you risk incurring higher costs, delays, and abandoned carts, which can negatively impact your bottom line. 

This guide breaks down the best payment gateways for Hong Kong businesses, detailing what each does best, the payment methods they support, and how their fees and features compare. Whether you run a local shop or a growing ecommerce brand, this will help you find the gateway that truly fits your business.

Launched in Hong Kong in 2017, Stripe has become one of the world’s most recognised payment processors, trusted by online businesses, ecommerce platforms, and service providers. It offers an all-in-one payment solution that lets you manage both online and in-store transactions from one account. 

In Hong Kong, Stripe collaborates with local acquiring partners to facilitate secure payment processing and multi-currency transactions. You can connect your Shopify or WooCommerce store, accept card and wallet payments, and even manage billing and tax through built-in tools. With PCI DSS compliance, AI-based fraud detection, and real-time reporting, Stripe is built for businesses that handle both local and cross-border payments.

Stripe Key Features

• Accept payments in HKD, USD, and multiple currencies to simplify cross-border transactions.
• Support local payment options like FPS, AlipayHK, and WeChat Pay, plus global wallets such as Apple Pay and Google Pay.
• Accept credit and debit cards, including Visa, Mastercard®, UnionPay, American Express, and JCB.
• Use pre-built checkout tools or APIs to integrate easily with your ecommerce platform or online store.
• Protect your business with AI-powered fraud detection and 3D Secure authentication.
• Track payments and payouts in real time with transparent reporting.

Stripe Accepted Payment Methods in Hong Kong

• Cards: Visa, Mastercard®, American Express, JCB, UnionPay
• Wallets: Alipay, WeChat Pay, Apple Pay, Google Pay
• Bank-based (international): iDEAL, Bancontact, SEPA Direct Debit, FPX, Bacs Direct Debit, ACH
• Buy now, pay later: Afterpay / Clearpay, Klarna (availability may vary)

*Note that bank-based and BNPL options are generally for cross-border or overseas transactions, not local Hong Kong payments.

Stripe Key Fees

Below are Stripe’s typical transaction fees for card payments and local digital wallets in Hong Kong.

For a full breakdown, visit Stripe’s official pricing page.

PayPal has long been one of the most recognised names in online payments, trusted by businesses and shoppers around the world. In Hong Kong, it helps ecommerce sellers and freelancers accept card and wallet payments from customers, even if they don’t have a PayPal account.

Its Complete Payments service provides secure checkout with built-in buyer and seller protection. For businesses that sell internationally or work with clients across borders, PayPal offers a simple way to accept multiple currencies and manage transactions through one platform.

PayPal Key Features

• Accept global payment methods including major credit and debit cards (Visa, Mastercard®Mastercard®, American Express, JCB) and digital wallets (PayPal, Apple Pay, Google Pay).
• Choose between Standard Checkout (simple setup) or Advanced Checkout (customisable card and wallet checkout with APIs).
• Use no-code tools like Payment Links, Buttons, and QR Codes to accept payments on social media, email, or chat.
• Manage recurring payments and professional invoices directly from your PayPal business dashboard.
• Integrate with top ecommerce platforms such as Shopify, WooCommerce, Magento, OpenCart, and Shopline for seamless integration.
• Protect your business with built-in fraud detection, 3D Secure, and Seller Protection for safer transactions.

PayPal Accepted Payment Methods in Hong Kong

• Cards: Visa, Mastercard®, American Express
• Wallets: PayPal Wallet, Apple Pay, Google Pay
• Bank transfers and other local methods (APMs): Supported for global buyers through PayPal’s network (availability varies)

💡 “APM” means Alternative Payment Methods. These are options other than cards, such as local bank transfers or regional wallets used by overseas customers.

PayPal Key Fees

PayPal charges different rates depending on your checkout setup and whether customers are local or overseas.

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

Headquartered in the Netherlands in 2006, Adyen is a global payment gateway with 28 offices worldwide, including Hong Kong. The platform processes over €970 billion annually and provides businesses with end-to-end payment processing through its own acquiring network.

In Hong Kong, Adyen supports local acquiring, regional wallets such as AlipayHK, WeChat Pay, and PayMe, and multi-currency settlement. It also provides unified reporting and risk management tools for cross-border transactions.

Adyen Key Features

• Manage online, in-app, and POS payments through one system with shared data and real-time reporting.
• Benefit from transparent Interchange ++ pricing, letting you see the actual card, network, and Adyen fees for each transaction.
• Settle in HKD, USD, EUR, GBP, JPY, or SGD using linked multi-currency bank accounts.
• Accept credit cards, digital wallets, and BNPL options through one API or pre-built ecommerce plugins.
• Improve authorisation rates with AI-based fraud detection, 3D Secure 2, and smart payment routing.
• Integrate easily using developer SDKs or no-code plugins for Shopify, WooCommerce, Magento, and BigCommerce.

Adyen Accepted Payment Methods in Hong Kong

• Cards: Visa, Mastercard®, UnionPay, American Express, JCB, Diners, Discover
• Digital wallets: Alipay, AlipayHK, Alipay+, WeChat Pay, PayMe, Apple Pay, Google Pay, Samsung Pay, PayPal (separate contract required)
• Buy Now, Pay Later: Affirm, Afterpay, Klarna
• Bank transfer methods: ACH and Pay-by-Bank. (mainly used by overseas customers; availability varies by market)

Adyen Key Fees

Adyen charges a fixed processing fee plus a payment-method fee.

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

Developed by Ant International, the global arm of Ant Group (the operator of Alipay), Alipay+ is a unified cross-border payment gateway that connects Hong Kong merchants to more than 30 e-wallets and BNPL apps across Asia and Europe, reaching 1.7 billion users through one integration.

The platform supports online and in-store QR payments with automatic currency conversion at competitive exchange rates and settlement in multiple currencies. It allows merchants to manage different wallet transactions through a single integration.

Alipay+ Key Features

• Accept online, in-app, and in-store payments through one integration that supports multiple wallets and BNPL apps.
• Process transactions in multiple currencies with real-time conversion and settlement in HKD, USD, or other currencies.
• Offer instant discounts and loyalty rewards tied to specific wallets at checkout.
• Detect and prevent fraud with Alipay+’s built-in AI-based risk tools to ensure secure payments.
• Integrate with ecommerce sites or mobile apps using plug-ins or SDKs.
• Access customers across Asia and Europe who prefer digital wallets instead of cards.

Alipay+ Accepted Payment Methods in Hong Kong

• Cards: Visa, Mastercard®, UnionPay, JCB
• Digital wallets & apps: Alipay, AlipayHK, WeChat Pay, GCash, GrabPay, Touch’n Go, Kakao Pay, LINE Pay, ShopeePay, and more
• Buy Now, Pay Later (BNPL): Kredivo, Akulaku PayLater, and BillEase (availability varies by market).
• Bank-based Payments: Supports regional transfers such as PayNow (Singapore), PromptPay (Thailand), and FPX (Malaysia).

Alipay+ does not publish a standard fee schedule for Hong Kong merchants. Pricing is determined based on business type, transaction volume, and integration method.

The following reference rates are based on legacy Alipay cross-border transactions:

Merchants can apply through the Alipay+ Global Merchant Onboarding Form to access the merchant portal, settlement tools, and dedicated customer support.

WeChat Pay (Global) is Tencent’s digital payment and mobile wallet platform used by more than 800 million consumers worldwide. It supports online, in-app, and in-store QR payments and provides cross-border tools that enable secure, compliant integrations for international merchants.

In Hong Kong, merchants can integrate directly with WeChat Pay or work with licensed local providers in other regions. Settlements can be made in HKD, USD, and other major currencies. The platform also includes built-in marketing features such as coupons, reward points, and FX-rate campaigns that help attract Mainland Chinese shoppers. Through these functions, Hong Kong businesses can accept payments from Chinese consumers and manage transactions within the WeChat ecosystem.

WeChat Pay Key Features

• Accept QR, in-app, and Mini Program payments through a single integration.
• Support multi-currency transactions and settlement in HKD, CNY, USD, EUR, or JPY.
• Use built-in marketing tools like coupons, loyalty campaigns, and FX offers to attract Chinese shoppers.
• Enable direct checkout within WeChat Mini Programs for a smoother payment experience.
• Access marketing dashboards and POS materials without extra development work.

WeChat Pay Accepted Payment Methods

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

WeChat Pay Key Fees

WeChat Pay does not publish a standard merchant fee schedule. Pricing varies by business type, transaction volume, and whether integration is handled directly or through an authorised partner.

Merchants in Hong Kong can apply through the WeChat Pay Merchant Platform, while those in other regions may need to connect via licensed partners that confirm rates after review.
Businesses can start by applying through the WeChat Pay Merchant Platform or by contacting a local partner.

Founded in 2000 and headquartered in Hong Kong, AsiaPay is a regional payment gateway that helps merchants accept and manage payments across Asia-Pacific. It supports multiple payment types, including cards, bank transfers, digital wallets, and buy-now-pay-later options, all through one integrated platform.

Operating under the PayDollar, PesoPay, and Siampay brands, AsiaPay supports over 150 payment types and 140 currencies with local offices in 17 markets. Its payment system combines payment acceptance with fraud prevention, tokenisation, and real-time multi-currency processing to help businesses manage secure transactions across different regions.

AsiaPay Pay Key Features

• Accept over 150 payment types and 140 currencies across cards, bank transfers, digital wallets, and BNPL services.
• Support multi-lingual, real-time payment pages with instant currency conversion.
• Protect transactions with fraud detection, tokenisation, and 3D Secure authentication.
• Offer flexible checkout options, including web, mobile, SmartPOS, QR code, and payment links.
• Access tools for recurring billing, batch payments, and real-time reporting.
• Get 24/7 technical and risk support through AsiaPay’s local offices across Asia-Pacific.

AsiaPay Accepted Payment Methods in Hong Kong

• 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, Zip, Afterpay
• Bank Transfers and Internet Banking: FPS PayMe, PayNow, PPS, HSBC, Hang Seng Bank
• Crypto: Bitcoin, Ethereum, USDT, USDC (via supported gateways)

AsiaPay Key Fees

AsiaPay does not publicly disclose pricing, as rates vary by payment method, volume, and market. 
Businesses can request a customised quote via the official contact form.

2Checkout is a global digital commerce and payments platform that became part of Verifone in 2020. It helps businesses sell products and services online worldwide through a single, cloud-based system that supports recurring billing, tax management, and cross-border payment compliance.

With over 14 billion transactions processed annually across 200 markets, 2Checkout enables merchants to accept payments, manage subscriptions, and automate renewals through its unified monetisation platform. Its background in software and digital product sales makes it particularly relevant for SaaS and ecommerce businesses seeking to simplify payment operations and expand globally.

2Checkout Key Features

• Accept online payments in over 200 countries with 45+ payment methods, 100+ currencies, and 30+ languages supported.
• Offer flexible checkout options, including hosted or inline carts designed to boost conversions and support mobile users.
• Manage recurring billing and renewals easily with built-in subscription tools and revenue recovery features.
• Stay secure and compliant with top-level global standards for data protection and online payments.
• Automate global tax, invoicing, and reporting to simplify international operations.
• Expand reach with integrated affiliate and reseller management tools for multi-channel growth.

2Checkout Accepted Payment Methods in Hong Kong

• Cards: Visa, Mastercard®, American Express, Discover, JCB, Diners Club
• Digital Wallets: PayPal, Apple Pay, Google Pay
• Local and Online Banking: UnionPay, Alipay, WeChat Pay, bank transfers

2Checkout Key Fees

2Checkout offers flexible pricing through its three main plans: 2Sell, 2Subscribe, and 2Monetize. Each designed for different business models. 

All plans follow a pay-as-you-go structure with no setup or hidden fees.

All fees apply per successful transaction. Rates for local payment methods such as Alipay or UnionPay may vary depending on your plan and payment type.
For a detailed breakdown of plans and inclusions, visit the official 2Checkout pricing page .

Choosing the right payment gateway is essential for accepting payments securely and keeping checkout smooth for your customers while ensuring a positive overall customer experience. In Hong Kong, most shoppers use a mix of cards, FPS, and e-wallets such as AlipayHK, WeChat Pay, and PayMe.

When comparing providers, focus on how well they support these payment methods alongside international options to help you reach overseas buyers.

The best payment gateway should align with how your customers prefer to pay and where they are located.

• If you primarily serve Hong Kong shoppers, prioritise gateways that support FPS, PayMe, Octopus Wallet, and local cards. Platforms such as AsiaPay and Alipay+ are particularly strong in this area, offering wide wallet coverage and regional integrations.
• If your business caters to international clients, look for multi-currency and global card acceptance through providers such as Stripe, Adyen, or PayPal. These support major cards like Visa and Mastercard®, as well as wallets including Apple Pay and Google Pay.

Payment fees vary by provider, so compare beyond the base rate.

• PayPal uses flat rates (3.9% + HKD 2.35 for domestic transactions) but applies FX markups of around 3%, which can increase costs for cross-border payments.
• Adyen’s Interchange++ model breaks down each component fee, providing transparency that benefits high-volume merchants.
• Stripe and AsiaPay fall between the two. Stripe publishes clear rates, while AsiaPay provides custom quotes tailored to market and industry. 

For smaller ecommerce stores or freelancers, flat-rate pricing from Stripe or PayPal may offer simpler cost forecasting.

Your technical resources should guide your choice of gateway.

• No-code options such as PayPal’s payment links or QR codes, or Alipay+’s wallet integration, let small businesses go live quickly without extra development.
• Developer-friendly gateways ike Stripe and Adyen provide APIs and SDKs to build customised checkout flows across web, app, and POS systems. Stripe is known for reliable documentation, while Adyen’s unified platform supports multi-channel enterprises.

Security should be a top priority when selecting a payment gateway. All major providers, including Stripe, PayPal, Adyen, AsiaPay, and 2Checkout, are PCI DSS compliant, although the level of protection varies.

• Stripe and Adyen use AI-driven fraud detection and tokenisation to help reduce chargebacks.
• AsiaPay offers 3D Secure authentication and local risk monitoring through its regional offices.
• PayPal includes Seller Protection to help small businesses avoid losses from disputed transactions.

Fast settlement is important for maintaining steady cash flow, especially for SMEs.

• Local providers such as AsiaPay or Alipay+ can settle in HKD via FPS, allowing businesses to access funds almost immediately.
• Global gateways such as PayPal and 2Checkout typically take one to three business days, particularly for FX conversions or cross-border transfers.
• Adyen offers flexibility with settlements in HKD, USD, EUR, GBP, or SGD, ideal for international merchants.

Choosing the right payment gateway in Hong Kong helps your business run smoothly and improves the checkout experience. Focus on how well each provider supports your preferred payment methods, integrates with your platform, and matches your customer base.

For local payments, options like AsiaPay, Alipay+, and WeChat Pay work best, while Stripe, PayPal, and Adyen are ideal for international sales. Compare fees, payout speed, and support before deciding. The best gateway is the one that balances cost, convenience, and customer trust.