Top 10 Payment Gateways Fueling Online Brands in Hong Kong

A payment gateway is a core part of e-commerce operations. It allows your online store to connect with banks and payment networks for a secure and efficient payment process.

Hong Kong’s digital-first economy thrives on strong and reliable infrastructure. The right gateway enhances business performance by building customer trust, supporting multi-currency payments, and improving the checkout experience.

This guide outlines the key features to consider when choosing a provider and presents ten of the most widely used payment gateways in Hong Kong, along with a few specialised options for specific business needs.

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Not all payment gateways are created equal. The right platform should align with your operations, empower your growth goals, and minimise disruptions throughout the customer journey. By focusing on features that directly affect efficiency, cost, and scalability, you can make more informed decisions.

Here are five key qualities to prioritise when selecting a payment gateway for your e-commerce business in Hong Kong :

• Multi-Currency Support – Lets you accept payments in multiple currencies to better serve international customers.
• Integration with E-commerce Platforms – Look for native or supported integrations with platforms like Shopify or WooCommerce to reduce setup time and technical effort.
• Transaction Fees and Cost Structure – Compare fee models to understand the total cost of using the gateway, particularly as your sales volume grows.
• Settlement Time and Payout Frequency – Choose providers with fast, predictable payout schedules to maintain healthy cash flow and enable reinvestment.
• Security and Compliance – Select a gateway that complies with the Payment Card Industry Data Security Standard (PCI DSS) and includes strong fraud protection to safeguard both your business and your customers.

Choosing the right payment gateway starts with knowing the top players in the market. Below are ten of the most widely used platforms in Hong Kong, each offering distinct strengths for different types of e-commerce operations.

Stripe – A global gateway known for its clean API, fast setup, and seamless e-commerce integrations. Handles 135+ currencies, ideal for cross-border selling.

• Developer-friendly and flexible setup with broad global reach.
• Requires technical resources for full customisation and advanced features.
• Recommended For : Tech-savvy e-commerce businesses with international customers.

PayPal – A widely trusted payment platform offering quick setup and a familiar checkout experience. Facilitates both local and international payments.

• Instant brand trust and wide user adoption for higher conversion rates.
• Higher transaction fees, especially for cross-border payments.
• Recommended For : SMEs seeking a low-friction, globally recognised solution.

Adyen – An enterprise-grade platform for processing online, in-app, and in-store payments. Offers compatibility with 150+ currencies with strong fraud tools.

• Unified global platform with advanced risk management.
• More suitable for larger businesses with higher volume.
• Recommended For – Established e-commerce brands with global operations.

Alipay – A popular digital wallet in Hong Kong and Mainland China, offering QR-based payments within the Ant Group ecosystem.

• Direct access to a massive user base in Hong Kong and Greater China.
• Limited card compatibility and primarily serves users within the Alipay ecosystem.
• Recommended For : Businesses targeting local and Chinese consumers.

AsiaPay – A Hong Kong-based provider offering regional coverage, credit card processing, and mobile wallet integration across Asia.

• Local expertise with strong multi-channel support across Asian markets.
• The interface is functional but less polished than newer global platforms.
• Recommended For : Businesses needing regional coverage and localisation.

WeChat Pay – Integrated into China’s dominant messaging app, this wallet allows QR code-based payments and cross-border commerce.

• Strong trust and adoption among Mainland Chinese users.
• Limited appeal outside the WeChat ecosystem.
• Recommended For : Retailers serving Chinese customers and tourists.

eWay – A trusted payment solution in the Asia-Pacific, with plug-and-play e-commerce integrations and compatibility for digital wallets.

• Easy integration with robust presence in the region.
• Fewer advanced tools compared to Stripe or Adyen.
• Recommended For : SMBs looking for simplicity and a dependable solution.

Checkout.com – A modern, API-driven platform with high scalability, customisation, and real-time analytics for global payments.

• Flexible setup with strong performance insights and multi-currency support.
• Requires developer resources to unlock full potential.
• Recommended For : Scaling e-commerce brands seeking custom solutions.

2Checkout (now Verifone) – A global platform powering digital commerce in 200+ markets, with built-in tools for recurring billing and subscriptions.

• Global reach with recurring payment features for digital goods.
• Outdated UI and limited local infrastructure in Hong Kong.
• Recommended For : Businesses selling digital products or SaaS globally.

JETCO Pay – A local payment solution backed by Hong Kong banks, enabling QR-based mobile payments directly from user bank accounts.

• Well suited for mobile-first, local transactions.
• Limited functionality for international payments and e-commerce integrations.
• Recommended For : Merchants serving the domestic Hong Kong market.

A quick comparison of how these top payment gateways stack up in terms of transaction fees, currency support, and mobile wallet compatibility.

There’s no one-size-fits-all solution. The right payment gateway depends on your business model, target market, and operational priorities.

• Business Size – Startups may benefit from easy setup and predictable pricing, while enterprises often need advanced features, customisation, and scalability.
• Type of Products or Services – Selling subscriptions or digital goods? Prioritise recurring billing. Physical products? Focus on checkout speed and payment flexibility.
• Domestic vs. International Audience – Local brands may favour HKD-based wallets like PayMe or Octopus. Cross-border sellers should look for strong multi-currency and global card support.
• Ease of Integration and Customer Experience – Seamless platform integration and smooth checkout flows reduce friction, boost conversions, and save on development time.

Finding the right payment gateway is just one piece of the puzzle when building a successful e-commerce business in Hong Kong. It supports customer trust, reduces friction at checkout, and helps your store scale across borders.

Backed by a strong network of Hong Kong banks and trusted FinTech partners, AsiaBC helps you access the tools and services that align with your business goals and payment needs.

Whether you’re just launching or expanding your reach, we’re here to help you move forward with confidence. Get in touch via WhatsApp +852 9578 0528 or email at business@asiabc.com.hk.