payment-methods

HitPay Payment Methods Reference

Lookup reference for payment methods available across Southeast Asia, India, Australia, and cross-border markets. Maps countries to methods, API values, currencies, and settlement behavior.

When to Apply

• Developer asks which payment methods are available for a specific country
• Need the correct payment_methods + currency combination for API calls
• Determining whether a method settles in local currency or cross-currency
• Checking if a specific method (e.g., DuitNow, DANA) is available

For live account queries, use the hitpay-api MCP tools: get_account_status shows which providers are enabled, get_supported_qr_methods shows available QR methods.

Country-to-Method Quick Lookup

Country	Recommended QR Methods	Currency
Singapore	PayNow, GrabPay, ShopeePay	SGD
Malaysia	GrabPay, ShopeePay, Touch 'n Go, FPX	MYR
Philippines	QR Ph (InstaPay), ShopeePay, GCash	PHP
Thailand	PromptPay, TrueMoney	THB
Vietnam	VietQR, ZaloPay	VND
Indonesia	QRIS	IDR
India	UPI	INR (settles SGD)
Australia	PayTo	AUD
Korea	KCP methods	KRW
Cross-border (Chinese tourists)	WeChat Pay, Alipay+	CNY (settles SGD)

If the developer doesn't specify a country, ask. The wrong currency will cause the API call to fail.

Payment Method API Values

These are the exact strings to pass in the payment_methods parameter:

Display Name	API Value	Currency	Notes
PayNow	paynow_online	SGD	QR-based
GrabPay	grabpay	SGD, MYR	QR-based
ShopeePay	shopee_pay	SGD, MYR, PHP	QR-based
Touch 'n Go	touch_n_go	MYR	QR-based
FPX	fpx	MYR	Bank transfer (redirect), not QR
PromptPay	promptpay	THB	QR-based (domestic)
TrueMoney	truemoney	THB	QR-based (domestic)
VietQR	vietqr	VND	QR-based
ZaloPay	zalopay	VND	QR-based
QRIS	qris	IDR	QR-based (covers GoPay, OVO, DANA)
QR Ph	qrph	PHP	InstaPay rail
GCash	gcash	PHP	QR-based (domestic)
UPI	upi	SGD	Cross-currency (INR customer, SGD settlement)
WeChat Pay	wechat	SGD	Cross-currency (CNY customer)
Alipay+	alipay	SGD	Cross-currency (CNY customer)
PayTo	payto	AUD	Bank-initiated payment
Cards	card	Any	Visa, MC, Amex — redirect checkout

Borderless QR Methods (Cross-Border)

For cross-border payments, some methods use different API codes than domestic. Using the domestic code for a cross-border call will fail.

Display Name	Borderless API Value	Country	Notes
PayNow	paynow_online	SG	Same as domestic
GCash	gcash_qr	PH	Different from domestic gcash
QR Ph	qrph_netbank	PH	Same as domestic
PromptPay	opn_prompt_pay	TH	Different from domestic promptpay
TrueMoney	opn_true_money_qr	TH	Different from domestic truemoney
QRIS (iFPay)	ifpay_qris	ID	Different from domestic qris
QRIS (DOKU)	doku_qris	ID	Different from domestic qris
Touch 'n Go	touch_n_go	MY	Same as domestic
ShopeePay	shopee_pay	Multi	Same as domestic

Key rule: For borderless, set currency to the merchant's currency (e.g., SGD), not the customer's. The response includes borderless_fx with conversion details.

Cross-Currency Settlement

Method	Customer Pays	Merchant Receives	FX Applied
WeChat Pay	CNY	SGD	At transaction time
Alipay+	CNY	SGD	At transaction time
UPI	INR	SGD	At transaction time
Borderless QR	Foreign currency	Merchant's currency	At transaction time
All others	Local currency	Same (local)	No FX

Rule: For cross-currency methods, always set currency to the settlement currency (SGD), not the customer's local currency.

Known Unavailable Methods

These are commonly requested but not available as separate methods on HitPay:

Requested Method	Country	Alternative
DuitNow	Malaysia	GrabPay, ShopeePay, Touch 'n Go
DANA	Indonesia	QRIS (covers DANA wallets)
OVO	Indonesia	QRIS (covers OVO)
GoPay	Indonesia	QRIS (covers GoPay)
LINE Pay	Thailand	PromptPay, TrueMoney
Momo	Vietnam	VietQR, ZaloPay
Boost	Malaysia	GrabPay, ShopeePay, Touch 'n Go
PayPay	Japan	Not available

Common Errors

Error	Cause	Fix
"Payment method not available"	Provider not enabled	Enable in HitPay dashboard, check get_account_status
"Invalid currency"	Currency doesn't match method	Use the correct currency from the tables above
"Amount too low"	Below minimum threshold	Minimum is usually 1.00 in local currency
Provider in pending[]	KYC not complete	Complete verification in HitPay dashboard

Detailed Provider Maps

See references/provider-currency-map.md for the full provider-to-method mapping with settlement details for each market.