SKILL.md
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+currencycombination 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-apiMCP tools:getaccountstatusshows which providers are enabled,getsupportedqr_methodsshows 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 | touchngo |
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 | opnpromptpay |
TH | Different from domestic promptpay |
| TrueMoney | opntruemoney_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 | touchngo |
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 getaccountstatus |
| "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.