As a leading financial hub in Asia, Hong Kong offers a wide range of payment gateways for online, cross-border, and multi-currency transactions. In 2026, Hong Kong payment gateways go beyond basic card processing, offering faster settlement, API integration, and support for global customers.

Are you looking for different options to collect and send payments through a payment gateway? We’ve put together a list of the 11 best Hong Kong payment gateways that businesses can use in 2026.

What is a Payment Gateway?

A payment gateway is like a middleman that connects businesses and customers, allowing businesses to accept online payments securely.

A payment gateway encrypts sensitive information, such as credit card numbers and other payment details, to ensure transactions are processed safely and securely.

It’s important for business owners to offer a variety of payment options to their customers to remain competitive in the market. With a range of options, customers have more flexibility in doing business with you, increasing the chances of a sale.

11 Best Hong Kong Payment Gateways

1. Stripe

Stripe is one of the most widely used Hong Kong payment gateways by businesses operating locally and internationally. It is especially popular among startups and SMEs in Hong Kong due to its flexible APIs, customisable checkout options, and strong security standards.

Best for:

Startups and SMEs that sell online, serve international customers, and require API-driven payment solutions.

Main Features

• Multi-currency processing (135+ currencies).
• Accepts all major credit and debit cards.
• Access to 100+ payment methods.
• Customisable checkout and payment links.
• Built-in fraud prevention tools

Fees

Transaction Type	Fee Structure (in HKD)
Online Cards and Digital Wallets	2.9% + HKD 2.34 per transaction
Manually Entered Cards	3.4% + HKD 2.34 per transaction
International Cards	4.4% + HKD 2.34 per transaction
ACH Direct Debit	0.8% (HKD 39 max) per transaction
In-person payments (Stripe Terminal)	2.7% + HKD 0.39 per transaction
Tap to Pay	HKD 0.78 per authorisation
Currency Conversion	1% per transaction

Pros

• Flexible API and easy integration.
• Strong security and fraud protection.
• Supports multiple currencies and payment methods.
• Customisable checkout options.
• Real-time notifications and speedy deposits.
• Efficiency in credit card refunds and chargebacks.

Cons

• Limited data input options for external payments.
• Inability to provide discounted rates at lower thresholds.
• Complex reporting and reconciliation glitches.

2. PayPal

PayPal is a payment processing solution used by millions of e-commerce businesses, including those in Hong Kong, to facilitate transactions. Its global brand recognition and buyer protection features make it a familiar and trusted option for both merchants and customers in Hong Kong.

Best for:

Businesses that prioritise brand trust, fast setup, and international customer acceptance without complex technical integration.

Main Features

• Supports 25+ currencies with global payment acceptance.
• Accepts debit and credit card payments.
• Built-in online checkout and hosted payment pages.
• Invoicing and payment request tools.
• PayPal Pay Later.
• POS support for in-store payments.

Fees

Pros

• Easy setup and user-friendly interface.
• Familiarity with clients/customers.
• Swift integration with websites.
• Compatibility with plug-ins, shopping platforms, and apps.
• Robust financial reporting in-app.

Cons

• Higher fees compared to standard merchant accounts.
• Account suspension due to T&C violations.
• Delayed fund of 2 business days.
• Difficulties reaching customer service.

3. Braintree

Braintree is an online payment gateway that allows businesses to accept payments on websites and mobile apps. It is commonly included among Hong Kong payment gateways used by e-commerce and mobile-first businesses that require flexible integrations and advanced payment flows.

As part of the PayPal ecosystem, Braintree benefits from PayPal’s global reach while sharing some of its platform limitations.

Best for:

Mobile-first and app-based businesses that need in-app payments and developer-friendly integrations.

Main Features

• Braintree Marketplace.
• ACH payment processing.
• Credit and debit card processing.
• Invoicing & billing.
• Built-in fraud protection and tokenisation.
• Third-party integration, such as digital wallet and PayPal.

Fees

Transaction Fees

Payment Type	Transaction Fee
Credit/Debit Cards & Digital Wallets	2.59% + HKD 0.49 per transaction
Venmo (U.S. only)	3.49% + HKD 0.49 per transaction
ACH Payments	0.75% per transaction (maximum Fee HKD 5, discounts for enterprise businesses)

Braintree Gateway Fees

Fee Type	Amount (in HKD)
Monthly Fee	HKD 0
Transaction Fee	0.75% (Discounts for enterprise businesses)

Third-Party Merchant Account Fees

Fee Type	Amount (in HKD)
Monthly Fee	HKD 49
Transaction Fee	HKD 0.10 per transaction (Additional fees may apply based on the merchant account provider)

Disclaimer: Fees may change and vary based on transaction volume, business type, and merchant account provider. Always check the Braintree’s website for the most up-to-date pricing.

Pros

• Comprehensive payment type support.
• Excellent developer tools.
• Predictable flat-rate pricing.
• Multicurrency options.
• Extensive integrations available.

Cons

• Costly gateway-only option.
• Not for high-risk industries.
• Account setup may take longer than other Hong Kong payment gateways.
• Reports of closed accounts and held funds.

4. Adyen

Adyen is a global payment company that allows businesses to accept, process, and settle payments in multiple currencies. They offer a contemporary, complete infrastructure that links directly to Visa, Mastercard, and globally preferred payment methods of consumers, Adyen ensures smooth transactions across online, mobile, and in-store platforms.

Best for:

Enterprise-level and high-volume businesses that need global acquiring, omnichannel payments, and advanced payment optimisation.

Main Features

• Unified commerce.
• Merchant accounts.
• Integrate digital payment solutions.
• Point of Sale (POS) solutions.
• Global acquiring.
• Advanced risk management.
• Revenue optimisation.

Fees

Payment Method	Transaction Fee Structure
Visa, Mastercard, Maestro	USD 0.13 + Interchange++* (rates vary by region)
American Express	Global: 3.95% North America: 3.3% + USD 0.10 Australia: 3.30% + AUD 0.10 Plus USD 0.13 processing fees
JCB	USD 0.13 + 3.75% or Interchange++
Discover and Diners	USD 0.13 + 3.95%
UnionPay, Alipay, WeChat Pay	USD 0.13 + 3%
Google Pay, Apple Pay, Samsung Pay	USD 0.13 + card-based pricing
ACH Direct Debit	USD 0.13 + 0.27

Pros

• Multiple merchant accounts and comprehensive payment processing control.
• Supports sub-merchants and marketplace models.
• Highly customisable user interface (UI) and checkout platform in Adyen payment gateway.
• Support for international payments in 37 countries and 37 currencies.
• Unified commerce for enhanced omnichannel payment solutions.
• Wide range of PCI compliant and fully customisable point of sale (POS) solutions.

Cons

• Minimum monthly invoice.
• Application requirement for opening a merchant account.
• Complex and predictive pricing system.

5. Alipay

Alipay is one of the largest 3rd party mobile and online payment platforms. Among Hong Kong payment gateways, Alipay is especially popular with businesses that serve customers from mainland China, offering a fast and familiar checkout experience for cross-border and local payments.

Best for:

Businesses that target Chinese customers, tourists, or partners and want to accept QR-based mobile payments.

Main Features

• Multiple major currencies support.
• QR code and scan-to-pay functionality.
• In-store payment capabilities.
• Auto debit with pre-authorisation and auto-renewing user access tokens.
• Payment marketing and Alipay+ rewards.
• Compatibility with various devices.
• API and SDK availability.

Fees

Fee Type	Transaction Fee
Merchant Transaction Fee	0.55% of transaction value
Withdrawal Fee	0.1% on withdrawals over RMB 20,000
Overseas Card Payment Fee	3% per transaction (waived for transactions under RMB 200)

Pros

• Great for local payments in mainland China.
• Extensive partner merchant network.
• User-friendly interface.
• Advanced security and fraud protection.
• Ideal for QR-based in-store payments.

Cons

• Requires users to have the Alipay app.
• Less widely used outside China.
• Not compatible with non-Chinese mobile numbers.
• Limited functionality beyond Hong Kong and mainland China.
• Sending money overseas is not easy with Alipay.
• Additional fees may apply for card-based transactions.

6. WeChat Pay

WeChat Pay is a hugely popular mobile payment method in China and is owned by the Chinese tech giant Tencent. It offers a secure and seamless payment process through WeChat’s in-app payment feature, making it convenient for businesses that serve Chinese customers.

Best for:

Businesses in Hong Kong that target mainland Chinese customers and want to accept in-app and QR-based mobile payments.

Main Features

• QR code payments for online and in-store use.
• Multi-platform integration.
• Support for marketing and loyalty initiatives.
• Access to customer insights.
• Robust security.
• Streamlined operations.
• Real-time customer engagement.

Fees

Fee Type	Details
Transaction Fees	WeChat Pay uses a percentage-based transaction fee model, with rates varying by industry, transaction volume, and merchant agreement.
Maintenance Fees	Merchants may incur monthly or annual maintenance fees related to system usage and account management.
Settlement and Withdrawal Fees	Fees may apply when transferring funds to a business account, depending on withdrawal amount and frequency.
Integration and Technical Fees	Additional costs may apply for advanced integrations, such as POS systems or custom technical implementations.

Pros

• Effortless inclusion within the WeChat application.
• Comprehensive WeChat environment.
• Social functionalities such as the transfer of digital red envelopes.
• Convenience for current WeChat users.

Cons

• Requires customers to have a WeChat account.
• Restricted assistance for users outside China.
• Slightly smaller partner merchant network compared to Alipay.

7. AsiaPay

AsiaPay is a Hong Kong–based payment service provider offering flexible electronic payment solutions for banks, enterprises, charities, and merchants. Among Hong Kong payment gateways, AsiaPay is known for its strong local banking connections and wide coverage of payment methods across Asia and international markets.

Best for:

Businesses that need multi-bank support, regional payment methods, and both online and offline payment acceptance.

Main Features

• Support for multiple banks, processors, and payment methods.
• Credit and debit card payment.
• POS terminal support.
• Flexible payment solutions .
• Payment links.
• QR code payment support.
• Recurring and scheduled payments.

Fees

AsiaPay utilises a pricing model comprising a setup fee, monthly fee, transaction fee, and percentage. For comprehensive pricing details, reach out to the company directly.

Pros

• eCommerce Platform Plugins.
• Streamlined payment processing.
• Fraud detection and prevention.
• Competitive rates.

Cons

• Pricing details require direct consultation.
• No free trial.

8. Eway

Based in Australia, Eway is another popular payment gateway used by businesses in Hong Kong since 2009. It offers a range of features and tools for businesses to manage online transactions, including recurring billing, fraud protection, and easy integration.

Best for:

Small to mid-sized businesses looking for an easy-to-use payment gateway with low fees and recurring billing support.

Main Features

• Quick and easy to set up.
• Low transaction fees.
• Credit and debit card payment acceptance.
• Powered by the Rapid API.
• Flexibility at checkout.

Fees

Fee Type	Transaction Fee
Transaction Fees (including GST)	1.5% of purchase value + HKD 1.25 for both domestic and international cards
Set-up Fees	HKD 0.00
Monthly Fees	HKD 0.00

Pros

• Easily accept credit cards, debit cards, and digital wallets.
• Streamlined procedures for quick and easy refunds.
• Wide range of e-commerce integrations.
• Utilise advanced online security and cutting-edge payment tech.
• Accept pre-authorised recurring payments for convenience.
• Clear reporting and transaction management tools.

Cons

• Technical glitches due to a high daily capacity may occur.

9. JETCO Pay

JETCO Pay is a Hong Kong-based payment gateway that supports various payment methods, including credit cards, mobile wallets, and various online banking options. Its wide range of payment options makes it a preferred choice for businesses operating in Hong Kong. JETCO Pay also offers a secure and efficient payment process, making it a popular option for local businesses.

Best for:

Hong Kong–based businesses that prioritise local payment methods, domestic customers, and local support.

Main Features

• Multiple payment options.
• Local customer support.
• Supports selected currencies (HKD, USD, JPY, MOP, GBP, and CNY(RMB)).
• Branding and checkout customisation.

Fees

For comprehensive JETCO Pay pricing details, reach out to the company directly.

Pros

• Strong local presence and reputation in Hong Kong.
• User-friendly interface.
• Secure transaction processing.

Cons

• Limited pricing information.

10. Octopus App for Business

Octopus is a well-established payment platform in Hong Kong, first introduced in 1997 as a contactless smart card used for public transportation and now widely used across retail, online payments, and donations.

Best for:

Businesses in Hong Kong that primarily serve local customers and want fast, contactless, and FPS-enabled payment acceptance.

Main Features

• Faster Payment Service (FPS).
• Multiple payment options.
• Fast transaction process.
• Integration with different shopping platforms.
• Mobile app for convenient payments.
• QR code payments.
• All-in-one taxi payment for locals and tourists.

Fees

Type of Business Industry	Transaction Amount
Non-transport businesses	1.5% of the transaction amount (minimum HKD 1)
Transport businesses	1% of the transaction amount (minimum HKD 1)

Pros

• Strong brand recognition and trust in Hong Kong.
• User-friendly platform.
• Accommodates complex payment collection.
• Suitable for high-frequency, low-value transactions.

Cons

• May not be suitable for businesses without a local customer base.
• Limited support for international transactions.

11. Airwallex

Airwallex is a financial technology platform that provides payment acceptance, multi-currency accounts, and international payout capabilities. Among Hong Kong payment gateways, it is commonly used by businesses that operate across borders and need to manage payments and currencies through a single platform.

Best for:

Hong Kong businesses that require card payment acceptance for international sales, along with FX support for e-commerce and digital-first operations.

Main Features

• Transfer funds in 60+ currencies.
• Card payment acceptance for online transactions.
• Support for major international card networks.
• Multi-currency settlement and FX conversion.
• API integrations for payment processing.

Fees

Airwallex offers customised pricing based on transaction volume, payment methods, and regions served. Businesses need to contact Airwallex directly for current pricing details.

Pros

• Strong card payment acceptance for international customers.
• Competitive FX rates.
• Modern dashboard and reporting.
• Suitable for online and e-commerce businesses.

Cons

• Pricing varies depending on the business plan and services used.
• Some features are only available on specific plans.

DSGPay: Your Global Alternative to a Hong Kong Payment Gateway

Looking for the right way to accept and manage payments for your business? Choosing the best payment solution depends on your business model, transaction needs, and how you want to serve customers, especially if you’re working with clients across borders.

Traditional Hong Kong payment gateways may suit some businesses, but if you’re looking for something more flexible, DSGPay offers a powerful alternative.

DSGPay is built for businesses that want:

• Named Virtual Accounts: Set up virtual accounts in your company’s name to build trust and simplify cross-border transactions.
• Hold and manage 30+ currencies: Operate in HKD, USD, EUR, GBP, AUD, CNY, and more from one platform.
• 100% online onboarding: Complete the onboarding process without in-person visits.
• Competitive exchange rates: Access favourable FX rates to reduce transaction costs.
• Seamless API integration: Automate collections, payouts, and reconciliation with flexible APIs.
• Fast and secure payments: Enable efficient and secure local and international transfers.
• Trusted and regulated: Operates under a Hong Kong Money Service Operator (MSO) licence, supporting compliant cross-border payment infrastructure.

Whether you’re paying vendors, collecting from clients, or managing business funds in multiple currencies, DSGPay simplifies the entire process with one flexible platform.

If your business is growing beyond borders, it may be time to move beyond traditional gateways. DSGPay is here to help.