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Overview

Cross-border payments refer to transactions where the payer and the recipient are in different countries. This functionality enables you to expand your market reach by accepting payments from customers in various countries using their local payment methods. For instance, your business based in Singapore can accept payments from a customer in the Philippines using the QRPH payment method. HitPay also supports virtual account collection in 13 currencies: SGD, AUD, CAD, CHF, CNH/CNY, EUR, GBP, HKD, JPY, NOK, NZD, SEK, USD.

Example of a Singapore Business accepting Philippine pesos

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List of Cross-Border Methods

These cross-border payment methods are available for all onboarded businesses.
Payment MethodPopular InCustomers Pay InMerchants Receive InOnline Payments?In-person Payments? (QR)
PayNowSingaporeSGDSG HitPay Wallet✓✓
QRPHPhilippinesPHPPH HitPay Wallet✓✓
VietQRVietnamVNDVN HitPay Wallet✓✓
PromptPayThailandTHBTH HitPay Wallet✓✓
TrueMoneyThailandTHBTH HitPay Wallet✓✓
LINE PayThailandTHBTH HitPay Wallet✓✕
WeChat PayChinaSGD / MYRSG / MY HitPay Wallet✓✕
PayIDAustraliaAUDAU HitPay Wallet✓✕
QRISIndonesiaIDRID HitPay Wallet✓✓
UPIIndiaSGDSG HitPay Wallet✓✓
DuitNowMalaysiaMYRMY HitPay WalletComing SoonComing Soon
PixBrazilBRLBR HitPay WalletComing SoonComing Soon

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Enabling Cross-Border Payment Methods

To set up cross border payment methods on HitPay, follow these steps:
1

Complete the Onboarding

  • Navigate to Settings > Payment Methods.
  • Click Connect on the desired payment method and enter the required information.
Once your request has been submitted, our partner providers will review your requests within 3-5 business days.
Once you have activated the payment method on HitPay, ensure that you have enabled the payment for your sales channel by following the guide below.
2

Enable the Payment Methods in Sales Channel

  1. Navigate to Plugin Integrations.
  2. Click Add New or edit an existing integration by clicking on the edit icon.
  3. Select the payment methods that you would like to activate for the selected sales channel or integration.
  4. Click Save to save your changes.

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Accepting Cross-Border Payments

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Online Payments

  1. Create payment link with charge currency supported by the cross border payment method (e.g. SGD for PayNow). Customers will pay in this currency.
  2. Customers will see cross border payment method option.
  3. Customer makes payment.
  4. You receive payments in your HitPay wallet.

Example of creating a payment link with a foreign currency to accept cross border payments

Example of changing currency of an open amount payment link to pay in a foreign currency

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In-Person Payments

  1. Go to “Settings” > “Quick Sale Currency”.
  2. Change “Quick Sale Currency” to the charge currency supported by the payment method (e.g. SGD for PayNow). Customers will pay in this currency.
  3. Complete payment transaction.
  4. You receive payments in your HitPay wallet.

How to collect cross border payments using Quick Sale

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Managing Payouts and Cross-Border Wallets

When accepting a cross-border payment method, the amount is directly credited to your HitPay wallet in the same currency. For example, when accepting PHP (using QRPH), the amount is added to your PHP wallet. If your business does not have a wallet balance in that currency, it will be automatically created upon the first incoming payment. You have the option to keep the collected amount in the wallet and use it for “Send Payments,” or you can convert it to your main wallet. The converted amount will be included in your daily payouts.

Managing multiple currencies in your HitPay wallet and converting them for payouts

Please note that there will be a 1.5% markup on the foreign exchange fee when converting the collected amount to your main wallet.

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Integrating via API

See our Cross-Border Payments API docs on how to integrate our payment requests in 3 simple steps.