6 Best Payment Gateways for Hong Kong Businesses [2025]

Choosing a payment gateway in Hong Kong can be tougher than it looks. Each provider supports different payment methods, offers different fees, and is built for different types of businesses. And if you’re serving both Hong Kong customers and overseas buyers, the decision can be even more complex.

This guide breaks everything down clearly. We compare the most relevant payment gateways in Hong Kong based on local coverage, fees, integrations, settlement speed, and business fit. By the end, you’ll know exactly which gateway suits your customers and what each provider is actually best suited for.

Before we dive into details, here are the top payment gateways to consider.

These are the same factors you should look at when choosing a payment gateway for your own business in Hong Kong, especially if you operate from abroad or serve customers in multiple markets.

These criteria guide how we review each gateway and also give you a simple framework to decide which solution fits your business best.

• Local payment coverage: Support for FPS, PayMe, AlipayHK, WeChat Pay HK, Octopus, and major cards, so you can serve Hong Kong customers without gaps.
• Settlement and payout speed: How quickly funds reach your HKD account and whether extra withdrawal fees apply. This is important if you manage cash flow remotely.
• Fees and transparency: Card rates, wallet fees, FX markups, refund costs, and how clearly each provider presents its pricing.
• Integrations and developer tools: Compatibility with Shopify, WooCommerce, POS systems, local plugins, and API tools. This ensures seamless integration, no matter where your team is based.
• Fit by business model: Retail, F&B, ecommerce, cross-border, marketplace, or enterprise operations. Each requires different payment coverage.

Stripe is a global online payments platform that lets Hong Kong businesses accept credit cards, digital wallets, and multi-currency payments from customers worldwide. It provides the core infrastructure behind online checkout, including:

• Payment gateway: collects and encrypts card/payment data
• Payment processor: routes transactions through card networks and acquiring banks
• Merchant account equivalent: Stripe aggregates merchants under its own system, so you don’t need a separate merchant account

This “all-in-one” model makes Stripe easier to set up than many traditional Hong Kong bank merchant accounts, and it’s particularly useful for businesses selling to customers in multiple countries.

What Stripe Does Well

• Supports key Hong Kong wallets, including AlipayHK, WeChat Pay HK, Apple Pay, Google Pay
• Accepts HKD, USD, and more than 135 currencies for cross-border transactions
• Easy integrations with Shopify, WooCommerce, and custom websites
• Advanced customisation tools for businesses with developers, including APIs and SDKs
• Strong conversion features: fast checkout, one-click payments, AI-based fraud protection
• Clear reporting with real-time payout and performance insights

Things to Consider About Stripe

• Stripe Terminal (in-person card readers) is not available in Hong Kong
• HKD card transaction fees are higher than some local gateways
• Currency conversion adds a 2% fee
• Not ideal for businesses focused mainly on HKD payments, FPS, or local wallets

Stripe Accepted Payment Methods in Hong Kong

Cards:  Visa, Mastercard®, American Express, UnionPay, JCB

Digital Wallets: AlipayHK, WeChat Pay HK, Apple Pay, Google Pay

Bank payments for overseas customers: US bank payments, European bank payments, Malaysian bank payments

Buy Now, Pay Later (BNPL): Afterpay/Clearpay, Klarna (mostly for international buyers)

Stripe Key Fees

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

PayPal is a global payment gateway and digital wallet trusted by customers around the world. It handles payment collection, processing, and settlement entirely within its own system, so businesses don’t need a separate merchant account.

Many shoppers recognise and trust the PayPal brand. Its long-standing buyer protection programme can help improve conversion on cross-border orders, especially when customers are unfamiliar with a merchant’s local payment methods.

What PayPal Does Well

• Strong brand trust that boosts conversions, especially for new or international customers
• Accepts major global cards ( Visa, Mastercard®, American Express, Discover) without needing a PayPal account.
• Supports Apple Pay and Google Pay through one integration.
• No-code setup on Shopify, WooCommerce, BigCommerce, and most ecommerce platforms.
• Built-in Seller Protection (for eligible transactions) and fraud detection tools
• One dashboard to manage cards, PayPal payments, disputes, refunds, payment details, and subscriptions

Things to Consider About PayPal

• No PayMe, FPS, or Octopus; PayPal is not designed for HK-only checkout.
• Higher domestic fees compared with some local gateways.
• FX conversion uses a 3–4% markup over the base exchange rate.
• Customer redirection (if paying as a guest) may slow checkout compared with on-site payment solutions
• Chargeback and dispute fees apply for Hong Kong merchants.

PayPal Accepted Payment Methods in Hong Kong

Cards: Visa, Mastercard®, American Express, Discover

Digital Wallets: Apple Pay, Google Pay, PayPal Wallet

Global Methods (via PayPal): iDEAL, Bancontact, SEPA, ACH, and other country-specific bank redirects

Checkout Links: PayPal.Me links, QR codes, Buy Now buttons (no coding needed)

PayPal Key Fees

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

PayDollar is a Hong Kong-based payment gateway that connects merchants to multiple acquiring banks and supports a wide range of local and Asian payment methods. It provides key checkout infrastructure, including:

• Local acquiring connections: supports FPS, PayMe, Octopus, AlipayHK, and regional wallets
• Multi-method acceptance: cards, QR payments, mobile wallets, and bank transfers across Asia
• Hosted checkout and API integrations: for ecommerce platforms, mobile apps, and in-store setups

Because of its local acquiring and wide wallet coverage, PayDollar suits merchants targeting Hong Kong, Mainland China, and Southeast Asia, where familiar payment methods can improve conversion.

What PayDollar Does Well

• Supports key Hong Kong payment methods, including FPS, PayMe, Octopus, AlipayHK, WeChat Pay, Apple Pay, Google Pay, and major cards.
• Covers 150+ Asian payment methods, helpful for merchants selling to customers in nearby markets.
• Offers multi-currency checkout supporting more than 140 currencies.
• Provides omni-channel acceptance (online, in-store, QR, mobile, AppPay, POS terminals).
• Integrates with major platforms such as Shopify, WooCommerce, and 60+ regional plugins.
• 24/7 local customer support through the Hong Kong team

Things to Consider About PayDollar

• Pricing is not publicly listed; you must request a quote.
• Interface and tools feel more enterprise-style than other payment processors.
• Onboarding may require more guidance for small or new merchants.
• Some advanced regional features are more relevant to larger companies with higher transaction volume.

PayDollar Accepted Payment Methods in Hong Kong

Cards: Visa, Mastercard®, American Express, Diners Club, Discover, JCB, UnionPay

Local wallets: FPS, PayMe, Octopus, AlipayHK, WeChat Pay

Global wallets: Apple Pay, Google Pay, Samsung Pay, PayPal Wallet

Other Hong Kong methods: PPS, BoC Pay+

PayDollar Key Fees

PayDollar does not publicly disclose pricing, as rates vary by payment method, volume, and market. 

You can request a customised quote via the official contact form.

Checkout.com is a payment platform designed for businesses that handle large transaction volumes. It operates as both a payment gateway and a payment processor, allowing merchants to accept card payments, manage authentication, and settle funds across different markets in one payment system.

Its strength is in performance, uptime, fraud prevention, and multi-market support. These capabilities make it a strong choice for fast-growing ecommerce, marketplace, and fintech companies that need more control over checkout and payment performance than a basic gateway can offer.

What Checkout.com Does Well

• Direct card acquiring for Visa, Mastercard®, American Express, and UnionPay
• Supports Apple Pay and Google Pay for fast mobile checkout
• Advanced fraud detection tools, risk scoring, and 3D Secure
• Highly customisable API-based checkout for complex platforms
• Strong uptime and payment performance for high transaction volume

Things to Consider About Checkout.com

• No PayMe, FPS, or Octopus, making it less suitable for businesses that sell only within Hong Kong.
• No built-in setup; integration is more technical than Stripe/PayPal
• Pricing is not published, and quotes vary by volume and business model
• Too advanced for small businesses that only need basic card and wallet checkout
• Requires more technical resources to implement and maintain

Checkout.com Accepted Payment Methods in Hong Kong

Cards: Visa, Mastercard®, American Express, JCB, UnionPay

Digital Wallets: Apple Pay, Google Pay

Other Methods (via partners): AlipayHK, WeChat Pay

Checkout.com Key Fees

Checkout.com does not publish its pricing.

Fees vary by payment method, market, volume, and risk profile.

You can request a tailored quote through the official contact form.

PayMe for Business is HSBC’s HKD-only mobile digital payment solution that links merchants directly to the PayMe consumer wallet network. It supports QR payments, PayCode links, and POS acceptance, with funds settling instantly into your HSBC business account.

Unlike full payment gateways, PayMe doesn’t support cards, global wallets, or cross-border payments. Instead, it focuses on quick, familiar mobile transactions for local shoppers.

What PayMe Does Well

• Quick setup using HSBC Business Internet Banking
• Built for fast HKD mobile payments across Hong Kong
• Supports online, in-store, and remote payments via PayCodes (QR-style payment links)
• Instant settlement into HSBC business accounts with no transfer fees
• Multi-device support so staff can collect payments at events or pop-ups
• Pre-integrated with local ecommerce platforms (Boutir, Storeberry, CheckPlus, etc.)
• Familiar PayMe checkout experience that improves the overall customer experience

Things to Consider About PayMe

• Requires an HSBC Business Internet Banking account
• Only supports PayMe wallet payments (no cards, no global wallets, no multi-currency)
• Not suitable for cross-border payments or overseas customers
• Limited integration options for Shopify, WooCommerce, and international platforms
• Does not support FPS, WeChat Pay, AlipayHK, credit cards, or PayPal
• Rates vary slightly between PayCode app payments and POS/API integrations

PayMe Accepted Payment Methods in Hong Kong

PayMe for Business supports one primary payment method, the PayMe consumer wallet, which customers use for instant HKD mobile payments across Hong Kong.

PayMe Key Fees

PayMe does not publish a full pricing page. Fees shown above are based on the latest information from PayMe for Business’ official site and FAQ page . You should confirm the latest rates during onboarding.

Adyen is a Dutch-headquartered global payments platform that serves as both a payment gateway and a payment processor. In Hong Kong, it works through its local entity and provides one system for online checkout, in-store payments, acquiring, fraud controls, and multi-currency settlement.

The platform is designed for global reach, supporting major worldwide cards and widely used Asian wallets while offering strong authorisation rates and advanced optimisation tools. This makes it especially effective for mid-size and enterprise businesses managing payments in multiple markets.

What Adyen Does Well

• Supports major global cards and popular Asian wallets used in Hong Kong
• Provides direct global acquiring with strong multi-market coverage
• Advanced optimisation tools for higher authorisation rates
• Enterprise-level fraud prevention with risk scoring and machine learning to support secure payment processing
• Unified commerce features for managing online and in-store payments under one platform

Things to Consider About Adyen

• Best suited for mid-size and enterprise merchants rather than small Hong Kong businesses
• Requires technical resources; not a plug-and-play solution
• Pricing uses Interchange++ and may feel complex for beginners
• Minimum monthly invoice applies, depending on business model
• Not ideal for merchants focused mainly on HKD payments or FPS/Octopus

Adyen Accepted Payment Methods in Hong Kong

Cards: Visa, Mastercard®, American Express, UnionPay, JCB

Digital Wallets: AlipayHK, WeChat Pay, Alipay+, Apple Pay, Google Pay, Samsung Pay

Adyen Key Fees

Adyen uses a processing fee + payment-method fee model.

All fees below appear in AUD (A$) on Adyen’s official pricing page.

Pricing varies by method, volume, and business model. There are no setup or closure fees, but a minimum invoice may apply. Confirm the latest rates during onboarding.

The next step is to choose a gateway that supports the way your business sells, today and as you grow. Think about the channels you rely on, the markets you serve, and the payment experience you want your customers to have.

With that in mind, select the service provider that aligns most closely with your business needs and long-term plans.