> ## Documentation Index
> Fetch the complete documentation index at: https://docs.hitpayapp.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Availability by Market

> 45 markets where HitPay processes payments — cards, local APMs, cross-border QR, and recurring billing

HitPay enables partners to accept payments across **45 markets**. In our three core markets — Singapore, Malaysia, and the Philippines — HitPay holds direct payment licenses and operates its own acquiring stack. In the remaining 42 markets, HitPay uses **Stripe Standard Connect for cards only**; all alternative payment methods (APMs, regional QR rails, recurring) are always HitPay-acquired direct.

## How to read this page

* **Card (online):** who acquires the card transaction. `HitPay direct` = HitPay's own license + acquiring relationship; `Stripe` = Stripe Standard Connect; `Adyen` = HitPay's direct Adyen MID.
* **Card (offline):** card-present support, via HitPay POS, Adyen, or Stripe Terminal.
* **Local APMs:** account-to-account, QR, and wallet rails settling in the partner's **local currency**. Always HitPay-acquired direct.
* **Cross-border APMs:** foreign-wallet QR rails (Borderless QR — 13-scheme stack) settling in the partner's **local currency**. Always HitPay-acquired direct.
* **Recurring:** methods supporting tokenisation + scheduled auto-charge.

> [!NOTE]
>
> **Cards in non-core markets** are acquired via Stripe Standard Connect. All other payment methods on this page — every APM, QR rail, and recurring rail — are acquired direct by HitPay.

## Coverage at a glance

> **45 markets**
>
> Cards, APMs, cross-border QR, and recurring billing across APAC, Europe, Americas, and MENA.

> **3 core markets**
>
> Singapore, Malaysia, Philippines — HitPay holds direct payment licenses and operates its own acquiring stack.

> **13-scheme Borderless QR**
>
> HitPay's cross-border QR stack accepts foreign wallets in every market we support.

## Availability by country

Pick a region, then click any market to see its full capability detail.

**APAC (9)**

> **🇸🇬 Singapore (SG)**
>
> **Core market** · HitPay direct + Stripe + Adyen
>
> | Capability | Detail |
> | - | - |
> | Licence | MAS MPI |
> | Card (online) | HitPay direct + Stripe + Adyen |
> | Card (offline) | Stripe Terminal + Adyen |
> | Local APMs | PayNow, GrabPay, Grab PayLater, ShopeePay, SPayLater, ShopBack PayLater, Atome, Atome QR, WeChat Pay, Alipay, UPI QR, GIRO Direct Debit |
> | Cross-border APMs | DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, GIRO, ShopeePay, GrabPay, TnG, WeChat Pay, ZaloPay |

> **🇲🇾 Malaysia (MY)**
>
> **Core market** · HitPay direct + Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | BNM Merchant Acquirer |
> | Card (online) | HitPay direct + Stripe |
> | Card (offline) | Stripe Terminal |
> | Local APMs | FPX, DuitNow Online Banking, DuitNow QR, Touch 'n Go eWallet, GrabPay, ShopeePay, MAE, Atome, SPayLater, Grab PayLater, WeChat Pay, Alipay |
> | Cross-border APMs | PayNow QR (SG), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ShopeePay, GrabPay, ZaloPay |

> **🇵🇭 Philippines (PH)**
>
> **Core market** · HitPay direct
>
> | Capability | Detail |
> | - | - |
> | Licence | BSP MAL/OPS |
> | Card (online) | HitPay direct |
> | Card (offline) | HitPay POS (HitPay direct, BSP-licensed) |
> | Local APMs | QR Ph, InstaPay, PESONet, GCash, Maya, GrabPay, ShopeePay, SPayLater, BillEase, OTC (Bayad / ECPay / Palawan) |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, ShopeePay, TnG, ZaloPay |

> **🇦🇺 Australia (AU)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | AUSTRAC (HitPay payouts) |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇭🇰 Hong Kong (HK)**
>
> Adyen + Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Adyen + Stripe |
> | Card (offline) | Not on Stripe Terminal |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇮🇳 India (IN)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | Stripe IN approval at >US\$1M/yr |
> | Card (online) | Stripe |
> | Card (offline) | Not on Stripe Terminal |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇯🇵 Japan (JP)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇳🇿 New Zealand (NZ)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇹🇭 Thailand (TH)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | Stripe TH (newly live) |
> | Card (online) | Stripe |
> | Card (offline) | Not on Stripe Terminal |
> | Local APMs | PromptPay |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

**Europe & UK (32)**

> **🇦🇹 Austria (AT)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇧🇪 Belgium (BE)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇧🇬 Bulgaria (BG)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (Tap-to-Pay only) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇭🇷 Croatia (HR)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (Tap-to-Pay only) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇨🇾 Cyprus (CY)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (Tap-to-Pay only) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇨🇿 Czech Republic (CZ)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇩🇰 Denmark (DK)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇪🇪 Estonia (EE)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (Tap-to-Pay only) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇫🇮 Finland (FI)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇫🇷 France (FR)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇩🇪 Germany (DE)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇬🇮 Gibraltar (GI)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (Tap-to-Pay on Android only) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇬🇷 Greece (GR)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Not on Stripe Terminal |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇭🇺 Hungary (HU)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (Tap-to-Pay only) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇮🇪 Ireland (IE)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇮🇹 Italy (IT)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇱🇻 Latvia (LV)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (Tap-to-Pay only) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇱🇮 Liechtenstein (LI)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (Tap-to-Pay only) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇱🇹 Lithuania (LT)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (Tap-to-Pay only) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇱🇺 Luxembourg (LU)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇲🇹 Malta (MT)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (Tap-to-Pay only) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇳🇱 Netherlands (NL)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇳🇴 Norway (NO)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇵🇱 Poland (PL)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇵🇹 Portugal (PT)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇷🇴 Romania (RO)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (Tap-to-Pay only) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇸🇰 Slovakia (SK)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (Tap-to-Pay only) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇸🇮 Slovenia (SI)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (Tap-to-Pay only) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇪🇸 Spain (ES)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇸🇪 Sweden (SE)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇨🇭 Switzerland (CH)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇬🇧 United Kingdom (GB)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

**Americas (3)**

> **🇨🇦 Canada (CA)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇲🇽 Mexico (MX)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Not on Stripe Terminal |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

> **🇺🇸 United States (US)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | FinCEN MSB (HitPay) |
> | Card (online) | Stripe |
> | Card (offline) | Stripe Terminal (GA) |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

**MENA (1)**

> **🇦🇪 United Arab Emirates (AE)**
>
> Stripe
>
> | Capability | Detail |
> | - | - |
> | Licence | — |
> | Card (online) | Stripe |
> | Card (offline) | Not on Stripe Terminal |
> | Local APMs | — |
> | Cross-border APMs | PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay |
> | Recurring | Cards, TnG, ZaloPay, GrabPay, ShopeePay |

## Cross-border APMs (Borderless QR)

HitPay's 13-scheme Borderless QR stack is available in **every market** we support. Foreign wallets scan the local QR; HitPay handles FX and settles to the partner's local currency.

The full stack covers: **PayNow QR (SG), DuitNow QR (MY), TnG (MY), PromptPay (TH), LinePay (TH), QRIS (ID), QR Ph (PH), GCash (PH), BillEase (PH), UPI QR (IN), ZaloPay (VN), VietQR (VN), WeChat Pay.**

In each market, the country's own local QR is excluded from the cross-border set (since it's already the local rail).

## Payout timing

### Core markets (SG, MY, PH)

**Singapore**

| Balance | Payment Methods | Frequency | Payout Done By |
| :- | :- | :-: | :-: |
| **HitPay Balance** | PayNow, GrabPay, ShopeePay, SPayLater, ShopBack Pay, Atome, WeChat Pay, UPI, plus 13-scheme Borderless QR | T + 1 Calendar Day | HitPay |
| **Card Balance** | Cards (Visa, Mastercard, Amex, UnionPay, Apple Pay, Google Pay) | From T + 1 Business Day | Stripe |

> [!NOTE]
>
> Minimum payout: **SGD 1**. See [full payout schedule](/getting-started/payouts) for split-payout rules and bank account setup.

**Malaysia**

| Balance | Payment Methods | Frequency | Payout Done By |
| :- | :- | :-: | :-: |
| **HitPay Balance** | DuitNow, FPX, Touch 'n Go, ShopeePay, SPayLater, GrabPay, Atome, MaybankQR, plus 13-scheme Borderless QR | T + 2 Calendar Days | HitPay |
| **Card Balance** | Cards (Visa, Mastercard, UnionPay, Apple Pay, Google Pay) + FPX | T + 1 Business Day | Stripe |

> [!NOTE]
>
> Minimum payout: **RM 5**. See [full payout schedule](/getting-started/payouts).

**Philippines**

> [!WARNING]
>
> Payouts under **PHP 50,000** use **Instapay** (same day, subject to recipient bank support). Payouts over **PHP 50,000** use **PESONet** (2–3 working days).

| Balance | Payment Methods | Frequency | Payout Done By |
| :- | :- | :-: | :-: |
| **HitPay (Non-Cards)** | QRPH, GCash, Maya, ShopeePay, BillEase, GrabPay, OTC (Bayad/ECPay/Palawan), Unionbank Online, PESONet, plus 13-scheme Borderless QR | T + 1 Calendar Day | HitPay |
| **HitPay (Online Cards)** | Cards (Visa, Mastercard) | T + 7 Calendar Days | HitPay |
| **HitPay (In-Person Cards)** | Cards (Visa, Mastercard) | T + 2 Calendar Days | HitPay |

See [full payout schedule](/getting-started/payouts) for details.

### Stripe Standard Connect markets (42)

For non-core markets, **card payouts follow Stripe's standard payout schedule**, which varies by country. Typical timing is **T+2 to T+7 business days** in local currency.

> **[Stripe's standard payout timing reference](https://docs.stripe.com/payouts#standard-payout-timing)**
>
> Authoritative per-country payout schedule for Stripe Standard Connect accounts. Includes first-payout delays (typically 7–14 days after first successful transaction) and minimum payout amounts.

> [!NOTE]
>
> **HitPay-acquired APMs and Borderless QR** in non-core markets still settle on HitPay's schedule (T+1 to T+2 calendar days), not Stripe's. Only the **Card Balance** in non-core markets follows Stripe's standard timing.

## Recurring billing — coming soon

> [!NOTE]
>
> **LinePay** and **GCash** recurring rails are coming soon to all 45 markets.
>
> Already live globally (any market): **TnG** and **ZaloPay** tokenised recurring.

## Licenses held by HitPay

| Market | Regulator | Licence |
| - | - | - |
| 🇸🇬 Singapore | MAS | Major Payment Institution — `PS20200643` |
| 🇲🇾 Malaysia | BNM | Registered payment instrument issuer / system operator |
| 🇵🇭 Philippines | BSP | MAL/OPS |
| 🇦🇺 Australia | AUSTRAC | Payouts |
| 🇺🇸 United States | FinCEN | MSB |

## Stripe Standard Connect migration

Partners outside Singapore, Malaysia, the Philippines, and Indonesia who were on the legacy Stripe Custom Connect setup must migrate to Stripe Standard Connect by **5 June 2026**. See the [Standard Connect migration guide](/announcements/standard-connect-migration) for steps.


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