Local-first payment infrastructure for global digital businesses
Stage
Not given
Startup
Founded
Not given
2025
Based in
US
HK
Pricing model
Freemium
Paid
Pricing
Free plan at $0/month includes instant bank, wallet, and card payments, point purchases and transfers, push to card, push to bank, store, and invoicing. Business plan at $49/month includes everything in Free plus 5 digital bank accounts, merchant account, 1 business, and 2 users. Premium plan at $19
US-issued cards from 2.5% + US$0.30 per transaction; cards issued outside the US from 4.0% + US$0.30 per transaction; local payment methods from 1.2%; US$0 setup fee, US$0 annual fee, no minimum monthly billing.
Key features
Instant ACH payments
Same-day ACH settlement
Real-Time Payments (RTP)
FedNow instant payments
Wire transfers domestic and international
Digital wallet and virtual cards
Cross-border B2B payments
Online store builder and eCommerce
Real-time transaction tracking and alerts
Merchant account and payment processing
Global card acquiring with direct connection to major card networks
Support for 150+ local payment methods including UPI, Pix, MoMo, Alipay and WeChat
Subscription and recurring billing management
Mass payouts to 50+ markets with minimum fee of 0.1 USD
Multi-currency wallet and settlement
USD virtual card issuing for advertising and AI subscriptions
24/7 multilingual customer support
Local payment settlement as fast as T+1 in selected markets
What makes it different
Access all payment rails in one platform
Unified payment infrastructure for real-time settlements
Custom payment identifiers called PayTag for easy transfers
Serves businesses of all sizes and industries
Transparent and secure transaction processing
Local payment methods reach 90% coverage in target markets with localized interfaces
Dispute resolution 50% faster than traditional providers
Fee reduction of 30-50% through transparent pricing and volume-based rates
Capital efficiency improvement of 3-5x with fast local settlement
98% payout success rate with direct connection to local clearing systems
HaiPay