> ## 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. # Overview > Sell to international customers with the right HitPay product for your use case. # Cross-Border Payments HitPay offers multiple ways to accept payments from international customers. The right product depends on where you're selling and how you want to price. *** ## Supported Payment Methods These cross-border payment methods are available across HitPay's products. | Payment Method | Popular In | Customers Pay In | Online | In-Person (QR) | | :- | :- | :- | :-: | :-: | | [PayNow](/payment-methods/paynow) | Singapore | SGD | ✓ | ✓ | | [UPI](/payment-methods/upi) | India | SGD | ✓ | ✓ | | [WeChat Pay](/payment-methods/wechatpay) | China | SGD / MYR | ✓ | ✓ | | [Touch 'n Go](/payment-methods/touchngo) | Malaysia | MYR | ✓ | ✕ | | [DuitNow](/payment-methods/duitnow) | Malaysia | MYR | ✓ | ✓ | | [QRPH](/payment-methods/qrph) | Philippines | PHP | ✓ | ✓ | | [VietQR / ZaloPay](/payment-methods/vietqrzalopay) | Vietnam | VND | ✓ | ✓ | | [PromptPay](/payment-methods/promptpay) | Thailand | THB | ✓ | ✓ | | [TrueMoney](/payment-methods/truemoney) | Thailand | THB | ✓ | ✓ | | [LINE Pay](/payment-methods/linepay) | Thailand | THB | ✓ | ✓ | | [QRIS](/payment-methods/qris) | Indonesia | IDR | ✓ | ✓ | | [PayCo](/payment-methods/korean-payment-methods) | South Korea | KRW | ✓ | ✕ | | [KakaoPay](/payment-methods/korean-payment-methods) | South Korea | KRW | ✓ | ✕ | | [NaverPay](/payment-methods/korean-payment-methods) | South Korea | KRW | ✓ | ✕ | *** ## Cross-Border Solutions > **[Borderless QR](/pos/borderless-qr)** > > In-personFixed storefront > > Charge in your home currency. Customers scan and pay in their local currency using their home payment app. Best for physical stores serving foreign tourists. > **[Multi-Currency Products](/pos/multi-currency-products)** > > In-personSelling overseas > > Price products in the local currency of the country you're operating in. Best for merchants at overseas popup booths, markets, and events. > **[Adaptive Pricing](/payments/adaptive-pricing)** > > OnlinePriced in your currency > > Charge in your home currency. International customers automatically see and pay in their local currency at checkout. Best for online stores priced in the merchant's currency. > **[Multi-Currency Payment Links](/payments/checkout-customisation)** > > OnlinePriced in customer's currency > > Create payment links denominated in the customer's currency. Best for merchants who quote prices directly in the buyer's local currency. > **[Building a custom integration?](/apis/guide/cross-border-payments)** > > See the Developer Cross-Border Guide to compare Borderless QR API vs Payment Request API. *** ## Which Product Is Right for You? | | Borderless QR | Multi-Currency Products | Adaptive Pricing | Multi-Currency Payment Links | | - | - | - | - | - | | **Channel** | In-person (POS) | In-person (POS) | Online | Online | | **Who's it for** | Fixed storefront serving tourists | Merchant traveling overseas | Online store, priced in home currency | Online store, priced in customer's currency | | **You charge in** | Your home currency | The foreign currency | Your home currency | Customer's currency | | **Customer pays in** | Their local currency | Their local currency | Their local currency | Their local currency | | **FX handled by** | HitPay (automatic) | You set the price | HitPay (automatic) | You set the price | | **Payout currency** | Your home currency | Your home currency | Your home currency | Your home currency | *** ## Refunds *** ## Frequently Asked Questions > **What fees apply to cross-border payments?** > > A **1% FX markup** is applied on top of the mid-market rate when HitPay handles the currency conversion (Borderless QR and Adaptive Pricing). Standard payment processing fees also apply. > > For Multi-Currency Products and Multi-Currency Payment Links, you set the price directly in the customer's currency — no automatic FX conversion is applied by HitPay. > > Customers are not charged any additional FX fees. > **How is the exchange rate determined?** > > HitPay uses the **mid-market exchange rate**, plus a 1% markup. The rate is refreshed daily at **6:00 AM SGT** and cached for the rest of the day — so all transactions, settlements, and refunds processed within the same day use the same rate. > **When do I receive my payout?** > > Cross-border payments are credited to your HitPay Balance on a **T+1 calendar day** basis. The collected amount is automatically converted to your home currency and included in your daily payout. > **How do refunds work for cross-border payments?** > > The refund is issued in the charge currency. The amount deducted from your home currency wallet is converted at the **live exchange rate at the time of refund** — not the rate from the original transaction. This means you may experience a small FX gain or loss depending on how rates have moved. > **How do I enable cross-border payment methods?** > > Go to **Settings > Payment Methods**, click **Connect** on the desired payment method and complete the required information. Partner providers review new requests within 3–5 business days. > > Once activated, go to **Integrations**, select your integration, and enable the payment methods for that sales channel. > **Do I need additional hardware for in-person cross-border payments?** > > No. Borderless QR and Multi-Currency Products work with the existing HitPay POS app. No additional hardware is required. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.